VPF (Voluntary Provident Fund)
✓ Last verified 14 Sep 2026
The short version
VPF lets an employee voluntarily contribute more than the standard mandatory EPF percentage, earning the same interest rate as EPF - a way to boost retirement savings through an already-familiar, government-backed channel.
Beyond the standard mandatory EPF contribution percentage, an employee can voluntarily contribute more of their salary through VPF, earning the same rate as regular EPF - without needing employer matching on the extra amount. It's a simple option for anyone wanting to increase retirement savings without researching a new investment vehicle, since it uses the same familiar EPF infrastructure and (subject to certain interest-taxability rules on contributions beyond a threshold) similar tax treatment.
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