e the returns remain generally competitive, one never knows if the interest rate will continue to be
3. Employer's Role:
Unlike fixed deposits or PPF, contributions in the VPF have to be processed by an employer. That means if the employer is not cooperative or unable to process the contribution, then the whole process could get delayed and even become a complicated issue for the employee.
4. Returns May Vary:
The returns on VPF are at the same rates as those on EPF, which are determined by the government. While the returns remain generally competitive, one never knows if the interest rate will continue to be high in the future.