Personal Loans Emi Calculator?

Expert Advice on how to bring down EMI

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Tax Saving Tricks: You don't want to miss

EPF is mandatory for salaried employees working for a company having 20 or more employees. You contribute 12% of your basic salary plus dearness allowance (DA) to EPF (employers contribute an equal amount). You also have the flexibility to put additional contribution up to 100% of basic plus DA towards VPF (Voluntary Provident Fund). Your employer will not match your voluntary contribution in most cases. VPF is directly linked to EPF account. EPF/VPF, which gave 9.5%pa last financial year, may give 8.6%pa this year which is a damper. There is no choice for those who have to contribute towards EPF, but you can decide if you want to venture the VPF route. If your portfolio has lot of exposure to equity instruments, putting your money in conservative instrument like VPF still makes sense as unlike PPF the contribution can be over Rs1 lakh (depending on your basic and DA but 80C limit is still Rs1 lakh) and interest earned on it over all the years is also tax-free! But you should be prepared

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