EPF, PPF & NPS — Engineered for Maximum Retirement Wealth
Turn statutory deductions into an optimised wealth engine. We go beyond account opening — actively managing VPF contributions, consolidating UANs, structuring PPF extension windows, and maximising exclusive NPS tax deductions banks never explain.
EPF Advisory
Turn Statutory Salary Deductions into an Optimized Wealth EngineTurn Statutory Salary Deductions into an Optimized Wealth Engine
Most salaried professionals treat the EPF as an automatic payroll deduction they rarely check. Banks provide zero help with employer compliance or portal glitches. We turn your EPF into an active wealth asset — optimizing voluntary contributions (VPF) for higher guaranteed returns, resolving employer transfer bottlenecks, and helping you avoid common tax trap thresholds on interest.
Voluntary PF (VPF) Maximisation
Scale your contributions beyond the mandatory 12% to lock in attractive, government-backed interest yields.
UAN Consolidation
End-to-end support merging fragmented member IDs across job switches into one clean Universal Account Number.
Tax Trap Navigation
Clear strategies to keep annual employee contributions optimised within statutory tax-free interest ceilings.
✅ Claim Settlement & Withdrawal Desk
Direct assistance handling Form 19, 10C, and 31 filings for medical, housing, or retirement withdrawals — without endless portal rejections.
PPF Planning
15-Year Sovereign Security with Complete EEE Tax Freedom15-Year Sovereign Security with Complete EEE Tax Freedom
Banks open your PPF account and forget you, leaving you to manage deposit deadlines and extension windows alone. We treat your PPF as the risk-free anchor of your net worth — ensuring timely annual deposits, optimising compounding schedules before the 5th of every month, and structuring 5-year block extensions so your money compounds uninterrupted.
100% Sovereign Safety
Direct government-backed capital guarantee with zero equity market volatility or credit default risk.
True EEE Tax Advantage
Tax deduction at investment (Section 80C), tax-exempt yearly interest accumulation, and 100% tax-free maturity payouts.
Deposit Timing Strategy
Automated planning to deposit funds before the 5th of each month, capturing a full month's extra interest compounding.
✅ Maturity & Extension Management
Timely advisory on 5-year extension blocks (with or without fresh contributions) to keep funds earning tax-free returns indefinitely.
NPS Allocation
Low-Cost, Market-Linked Compounding with Exclusive Tax DeductionsLow-Cost, Market-Linked Compounding with Exclusive Tax Deductions
Banks frequently push expensive commercial pension policies with high distributor commissions. We guide you through the National Pension System — the lowest-cost retirement product in India — customizing your exposure across equities, corporate debt, and government bonds to beat inflation while maximising exclusive tax exemptions.
Exclusive ₹50,000 Tax Deduction
Claim an additional deduction under Section 80CCD(1B) over and above the standard ₹1.5 lakh 80C limit.
Active vs. Auto Choice Structuring
Custom asset allocation balancing equity (up to 75% under Active Choice) for wealth compounding with high-grade debt for capital preservation.
Ultra-Low Fund Management Cost
Institutional fund management fees capped under 0.09% — leaving significantly more capital invested for your retirement.
✅ Tier I & Tier II Architecture
Combine a locked retirement account (Tier I) with a flexible, no lock-in investment account (Tier II) that acts as a low-cost mutual fund alternative.
Who Can Apply?
Review the criteria below for each service. Our advisors will guide you through every requirement — free, no obligation.
Simple Process
Guided by our advisors
EPF Eligibility
Target Profile
Salaried employees working in establishments registered with EPFO (minimum 20 employees).
Wage Baseline
Mandatory for basic pay up to ₹15,000/month; voluntary and widely standard for higher salary brackets.
Contribution Benchmark
12% of Basic + Dearness Allowance (matched by employer); VPF allows up to 100% of basic pay.
Documentation
Linked UAN, Aadhaar, PAN card, and verified active bank account details.
Regulatory Governance
Employees' Provident Funds and Miscellaneous Provisions Act, 1952 (Administered by EPFO).
PPF Eligibility
Target Profile
Any Indian resident individual (salaried, self-employed, freelancer, or professional); accounts can be opened for minor children by legal guardians.
Non-Eligibility
Non-Resident Indians (NRIs) and HUFs cannot open new PPF accounts.
Deposit Limits
Minimum ₹500 per financial year; maximum ₹1,50,000 per financial year.
Tenure
Mandatory 15-year initial tenure, extendable indefinitely in 5-year blocks.
Documentation
Standard KYC — Aadhaar, PAN card, passport size photographs, and savings bank linkage.
Regulatory Governance
Public Provident Fund Scheme, 2019 (Ministry of Finance / Government Savings Promotion Act, 1873).
NPS Eligibility
Age Profile
Any Indian citizen (resident or non-resident) aged 18 to 70 years at the time of joining.
Account Models
Individual subscribers (All Citizens Model), corporate employees, or government sector entrants.
Tier I Minimum
Opening deposit ₹500; minimum annual contribution ₹1,000.
Tier II Minimum
Opening deposit ₹1,000 (requires an active Tier I account).
Documentation
PRAN registration requiring PAN, Aadhaar, bank proof, and nominee details.
Regulatory Governance
Pension Fund Regulatory and Development Authority (PFRDA) Act, 2013.
Eligibility criteria may vary based on individual profile, location, and applicable regulations. All approvals are subject to internal credit assessment.
OUR PROVIDENT FUND ADVANTAGE
Sovereign Guarantee
EPF and PPF instruments carry direct government backing — providing capital safety no private product can match.
Maximum Tax Capture
Integrated 80C, 80CCD(1B), and EEE planning across EPF, PPF, and NPS to capture every available deduction simultaneously.
Active Portfolio Management
We don't just open accounts — we monitor contribution timings, extension windows, and allocation shifts to keep your corpus growing optimally.
Ready to get started with Provident Fund?
Our certified planners will design a personalised strategy — free, no obligation.