Voluntary Provident Fund (VPF) lets one add extra money to their existing Employee Provident Fund (EPF) account - up to 100% of basic + DA through their company's payroll. It earns same 8.25% interest (FY 2024-25) as EPF, higher than many FDs, says Moneycontrol report. Interest stays tax-free if total EPF + VPF contributions are up to ₹2.5 lakh yearly.