If you're a high-saver relying partly on EPF/VPF to build a large, tax-free retirement corpus, there's a rule that quietly changes the math. The Rule, in Brief Since FY 2021-22, interest on an employee's own contribution to EPF/VPF is tax-free only up to Rs.2.5 lakh per financial year. Contribute more than that in a year, and the interest earned on the excess is taxable in your hands as "Income from Other Sources," with TDS deducted at source. This only applies to the employe
