PPF and EPF is a saving for future purposes. One can avail loan on them also. The loan can be used as any other personal loan. PPF loan can be availed for any purpose but EPF loan can be taken only for 9 specified purposes like – marriage, education, medical treatment, purchase of the home, home loan payment, alteration of house, calamity, lockout, withdrawal before retirement. But the best part of EPF is that one needs not to return the loan.