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    Employee Provident Fund is a retirement savings scheme for employees of the organized sector provided by the government. It is managed under the aegis of Employees' Provident Fund Organisation (EPFO) and is the main scheme under the Employees' Provident Funds and Miscellaneous Provisions Act, 1952. All establishments that have 20 or more people can be covered under the EPF scheme and some that have less than 20 also can also be covered, subject to certain conditions and exemptions. Only employees of companies registered under the EPF Act can invest in the EPF. It is mandatory for any employee whose pay is less than or equal to Rs 15,000 a month to join the EPF scheme, according to the rules. If any employee’s salary is more than Rs 15,000 and they wish to join the scheme, they can do so with the agreement of their employer and permission of the Assistant PF commissioner. As part of the scheme, both the employer and the employee contribute an equal amount- 12% of the employee’s basic salary and dearness allowance towards the EPF account. The amount is automatically deposited in the account when the salary gets credited. When the employee retires, they can withdraw the entire amount- self and employers’ contribution- that has been accumulated in the account with interest. For the current financial year, the interest rate on the EPF account has been fixed at 8.50%. More

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    • Smart ways to split contributions across SIPs, EPF and NPS

      Together, these three tools can build long-term wealth, but the trick is knowing how much to put where at each stage of life.

    • Will variable pay and bonus be included in salary for EPF calculation under new labour codes?

      Under the new wage rules, companies must ensure that wages form at least 50% of CTC, which could pull various allowances including certain bonuses into the PF-eligible bucket.

    • Can your SIPs and EPF really make you a ₹10 crore investor in 15 years?

      Not quite if you earn ₹1 lakh a month — but with steady growth, smart step-ups, and a longer runway, you can still build serious wealth.

    • How to withdraw EPF for buying a house or repaying a home loan

      Using your retirement corpus to fast-track your home purchase or close a loan can make sense in some cases – but only if you understand the rules, limits and risks properly.

    • Tap into your EPF wisely: Your simple guide to using it for a home

      Your EPF can be your secret helping hand when you are ready to buy a home or repay a loan.

    • Smart saving secrets: How to make the most of your SIP, EPF, and NPS contributions

      Building wealth isn’t just about earning more—it’s about investing smartly through SIPs, EPF, and NPS to maximise long-term growth and financial security.

    • EPF withdrawal stuck? Here’s how to fix delays and partial payments quickly

      A few simple checks and follow-ups can help you resolve EPF withdrawal delays without stress.

    • Retiring soon? Here’s what happens if you keep your EPF account active after retirement

      Before you decide to let your EPF balance sit after retirement, know how it affects your interest, taxation, and withdrawal rules.

    • Don’t cash out your EPF: Why today’s relief can wreck tomorrow’s retirement

      Withdrawing early from your EPF might feel like a relief today, but you could be handing away years of retirement security.

    • EPF corpus grows nearly fivefold in a decade, tops Rs 24.7 lakh crore

      Formalisation, higher wages, and new member additions drive record growth

    • How to update your mobile number and email on all financial platforms in 2025

      Update your banks, investments, and insurance with your mobile number and email by changing them in advance.

    • Broader engineering sectors had started to witness slowdown in formal hiring since FY24

      EPFO data shows slowdown in hiring trends in engineering, expert services, and IT-linked fields despite strong GDP growth

    • EPF: How to locate your UAN – a step-by-step guide

      Your Universal Account Number (UAN) is the secret to availing all EPF services online, whether to check balances, withdraw or transfer.

    • How technical glitches can erase 15 years of your EPF service overnight

      Such errors, even if inadvertent, by employer-managed exempted PF trusts can have devastating consequences for employees.

    • Are You Eligible for Provident Fund? Know the Rules for Private and Government Jobs

      Employee Provident Fund (EPF) or Provident Fund, It’s one of the most popular forms of long-term retirement savings, wherein the employee and the employer contribute an equal amount towards savings. But who are eligible for the Provident Fund in Private and Government Jobs, can you get loan from EPF, how PF calculate, PF contribution, whether you're just starting your career or planning your retirement, understanding PF rules is crucial. Watch the video for more information on PF.

    • Need money from your EPF account Here's how you can apply for partial withdrawal

      Step-by-step guide to allow you to withdraw your Employees' Provident Fund cash for important life events.

    • EPF nomination: Why overlooking this simple process may have your family scrambling

      Failing to update your EPF nomination may pose legal obstacles for your family in a crisis, holding up access to your hard-earned funds.

    • EPF interest rate likely to be lowered from the current 8.25%, says report

      The interest rate on the retirement savings of several crores of EPFO members is expected to be lowered amid falling stock markets and bond yields

    • India’s formal employment had a mixed showing in November

      Higher-paying formal employment rose in November, recovering from a seven-month low in November

    • How to automatically transfer your EPF account from old to new job

      Switching jobs is an exciting time filled with new opportunities, but it can also come with a few logistical headaches—like figuring out how to transfer your Employees' Provident Fund (EPF) from your old job to your new one.

    • Maximize your retirement income: How NPS and EPF together offer tax benefits and regular pension

      When planning for retirement, you may want to consider combining the National Pension System (NPS) and the Employees' Provident Fund (EPF). Together, these schemes can act like a Unified Pension Scheme, providing regular income post-retirement. While the EPF offers a stable and fixed rate of return, NPS adds the potential for higher returns. When combined, they allow you to balance risk and reward, providing you with a well-rounded strategy for retirement.

    • Employees’ Provident Fund: Learn what corrections can be made to your UAN profiles and which documents are accepted

      Employees can now update or correct personal details like name, date of birth, gender, and more in order to claim their Employees’ Provident Fund. These set of standard operating procedures will not only make things easier for employees when it is their turn to claim their Provident Fund, it will also make it more secure and prevent fraud and impersonation.

    • Formal job creation slows in April, says MoSPI

      The overall job addition to EPF was 72 percent higher

    • How 8.25% EPF interest rate has one more goody in its bag

      If you have been voluntarily making a higher contribution to your employees’ provident fund, additional investments will also fetch the interest rate of 8.25 percent just declared by the EPFO.

    • EPFO Interest Rates: Govt approves 8.15% interest rate on EPF deposits

      EPFO Interest rates FY 2023-24: The Central Board of Trustees (CBT) of the EPFO on March 28 set an 8.15 percent interest rate on provident fund for this fiscal.

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