VPF Calculator — EPF Me Extra Jama Karne Ka Faayda
EPF me 12% to katta hi hai. VPF ka matlab hai — apni marzi se usse zyada daalna, usi byaj par. Neeche apna Basic+DA aur extra percentage daaliye, farak saamne aa jayega.
VPF hai kya aur kaise shuru hota hai
EPF me har mahine aapki Basic+DA ka 12% katta hai, aur utna hi company deti hai. VPF (Voluntary Provident Fund) ka matlab hai ki aap apni taraf se 12% se zyada daal sakte hain — 100% tak.
Do zaroori baatein:
- Byaj wahi milta hai jo EPF par. Yahi VPF ki sabse badi taakat hai — sarkar dwara tay dar, jo aam taur par FD se kaafi upar rehti hai.
- Company aapke extra hisse par kuch nahi deti. Wo apna 12% hi degi. VPF poora aapka apna paisa hai.
Farak kitna padta hai
Basic+DA ₹40,000 mahina, 8.25% byaj, 20 saal:
| Aap kitna daal rahe | 20 saal baad (anuman) |
|---|---|
| Sirf EPF (12%) | lagbhag ₹29 lakh |
| EPF + 5% VPF | lagbhag ₹41 lakh |
| EPF + 10% VPF | lagbhag ₹53 lakh |
| EPF + 20% VPF | lagbhag ₹77 lakh |
10% VPF matlab har mahine ₹4,000 extra — aur 20 saal me lagbhag ₹24 lakh ka farak. Ye farak isliye itna bada hai kyunki EPF ka byaj achha hai aur poore samay compound hota rehta hai.
Aur sabse achhi baat — ye paisa aapke haath me aata hi nahi. Salary se pehle hi kat jaata hai, isliye kharch hone ka sawaal hi nahi uthta. Bachat ka sabse aasaan tarika yahi hai.
Tax ka naya niyam — ye zaroor jaan lijiye
Kuch saal pehle tak PF ka poora byaj tax-free tha. Ab niyam badal chuka hai, aur ye VPF walon ke liye sabse zaroori baat hai.
Ab ye hai: ek saal me employee ka kul PF contribution (EPF + VPF milakar) ek tay seema se upar chala jaye, to us seema se upar wale hisse par mila byaj tax me aata hai. Ye seema alag hoti hai un logon ke liye jinki company PF me contribution deti hai aur jinki nahi deti.
Aur ye bhi dhyaan rakhiye — VPF ka apna 80C faayda purane tax regime me hi milta hai. Naye regime me 80C ki chhoot nahi hai, isliye wahan VPF sirf ek achha byaj wala nivesh reh jaata hai.
Niyam har budget me badalte hain. Apne case ka pakka jawab EPFO ki site ya CA se hi lijiye — hum CA nahi hain.
VPF ya PPF — kaunsa behtar
| Baat | VPF | PPF |
|---|---|---|
| Byaj | EPF wala (aksar thoda zyada) | Sarkar dwara tay |
| Saal ki seema | Salary ka 100% tak | ₹1.5 lakh |
| Lock-in | Naukri chhodne tak | 15 saal |
| Kaun kar sakta hai | Sirf salary wale | Koi bhi |
| Beech me nikaasi | Kuch sthitiyon me advance | 7ve saal se aanshik |
Seedha faisla:
- Salary wale hain aur 80C ki jagah bharni hai — pehle PPF ki 1.5 lakh limit, phir VPF. Kyunki PPF ka byaj poori tarah tax-free rehta hai.
- 80C bhar gaya par aur bachana hai — VPF sabse aasaan aur surakshit rasta hai. Yahi VPF ki asli jagah hai.
- Naukri badalne ka iraada hai — VPF ka paisa PF ke saath transfer ho jaata hai, par UAN se transfer zaroor karwaiye, warna paisa bikhra reh jaata hai.
- Karobari ya freelance hain — VPF ka vikalp hai hi nahi, PPF hi rasta hai.
EPF ka poora hisaab EPF Calculator me aur PPF ka PPF Calculator me hai.
Aksar pooche jaane wale sawaal
VPF me kitna daal sakte hain?
Basic+DA ka 100% tak. Company apna 12% hi degi — VPF poora aapka apna hissa hota hai, par byaj EPF wala hi milta hai.
VPF ka byaj tax-free hai?
Poori tarah nahi. Ek saal me employee ka kul PF contribution tay seema se upar jaye to us se upar wale hisse ka byaj tax me aata hai. Zyadatar aam salary walon ka 10-15% VPF us seema ke andar hi rehta hai.
VPF kaise shuru karein?
Apne HR ya payroll ko batana hota hai ki kitna percent kaatna hai. Koi naya khaata nahi khulta — wahi EPF khaata aur wahi UAN chalta hai.
VPF ya PPF — pehle kaunsa?
Pehle PPF ki 1.5 lakh limit bhariye kyunki uska byaj poori tarah tax-free rehta hai. Uske baad aur bachana ho to VPF sabse aasaan rasta hai.