Top 6 Ways to Invest your EPF Fund Smartly

After retirement, you will receive a huge PF or EPF fund that you would like to use wisely for meeting your future goals. You can now check and withdraw the provident fund online through the EPFO portal. Also, it would be a smart decision if you invest your PF money in an instrument that is risk-free and offers sufficient returns. Here are the best 6 ways to invest your EPF fund wisely:

EPF Fund

Real estate 

Investing in real estate can be a good option because the value of real estate grows at a great pace. Also, it would be better if you buy a shop or house from the EPF funds because you can rent them and earn regular income after retirement. 

Multi cap mutual funds 

You can invest a part of your PF funds in multi-cap mutual funds. It will enable you to invest in companies that are either small or large. Large companies will provide stability to your investment and small companies will grow your funds swiftly. Therefore, you can achieve a balanced growth for your EPF corpus through multi-cap mutual funds.


Pradhan Mantri Vay Vandana Yojna, i.e., PMVVY is a government-backed scheme that allows you to earn a monthly pension after retirement. Therefore, you can allocate some of your EPF funds to this instrument as well. 

Post office schemes 

Investing in post office small savings schemes like NSC, PPF, POMIS, etc. can also prove to be a smart decision because they can offer both stability and a high growth rate to your EPF corpus. 


Senior Citizen Savings Scheme is a tailor-made investment option for senior citizens and it also provides a decent growth rate to your investment capital. However, it is only applicable to those who are at least 60 years old. The periodic interest generated by your deposited amount will be paid to you on a quarterly basis. Therefore, SCSS will help you manage your post-retirement expenses with ease. 

Fixed deposits 

You can think of consolidating your EPF corpus in fixed deposits because they provide much better flexibility and convenience when it comes to withdrawal and investment norms as compared to the above-mentioned instruments. 

However, as the FD rates in India are not as high as before, you can divert your EPF corpus in a high-paying corporate FD such as Bajaj Finance Fixed Deposit. Bajaj Finance FD accelerates your investment at interest rates of up to 6.75%. You also get the liberty of picking an investment tenor that suits your future financial plans and requirements as this FD scheme comes with a flexible tenor range spanning from 12 to 60 months. The main advantages of investing in Bajaj Finance FD are listed below:

Higher FD rate to senior citizens 

If you are a senior citizen, your EPF corpus will grow at a 0.25% higher FD interest rate than others. If you are non a senior citizen, you can also accelerate your savings at a 0.10% higher FD rate by investing through its online FD form. 

Laddering deposits 

You can ladder your deposits much more conveniently with Bajaj Finance FD because it comes with a multi-deposit facility. This feature lets you choose a unique tenor and fixed deposit type for each of your deposited amounts and also allows you to pay for all the deposits via one cheque. 

By laddering deposits, you will be able to balance the difference created by changing FD rates and due to different lock-in periods, you also get multiple liquidity points that can be used to manage your interim financial goals and needs. 

Safe option 

Bajaj Finance FD has received the best credit ratings from CRISIL and ICRA that are India’s leading credit rating agencies. Therefore, you need not bother about losing your EPF Fund when you invest it in Bajaj Finance FD.

Author Bio:

Top 6 Ways to Invest your EPF Fund Smartly 1

Gaurav Khanna is an experienced financial advisor, digital marketer, and writer who is well known for his ability to predict market trends. Check out his blog at Highlight Story.