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    Epf

    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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    • Withdrawing EPF gets simpler from 2026. Here’s what that actually means

      What’s actually changing, and how it affects when you can take your money out.

    • EPF details: Why that small mistake can come back to haunt you

      Most people don’t notice EPF errors until the money gets stuck.

    • EPF withdrawals are finally getting easier. Here’s what changed in 2026 and why it matters

      After years of glitches, rejections and employer follow-ups, the provident fund system is quietly becoming more user-friendly. But whether it works for you still depends on one thing: your data.

    • What happens to your EPF if you keep changing jobs? The truth about UAN, KYC, and delays

      Job switches don’t break your EPF, but poor follow-through often does.

    • Why having more than one UAN can quietly mess up your EPF, and how to fix it

      Multiple job changes can leave you with two UANs without you even realising it. It doesn’t just look messy on paper—it can slow transfers, complicate withdrawals, and leave old EPF balances forgotten.

    • Changing jobs often? Here’s what happens to your EPF each time

      Your money does not reset with every new employer, but UAN, KYC mismatches and exit date delays can quietly lock your EPF in limbo.

    • EPF error: How to delink a wrong PF member ID from your UAN

      A wrong PF member ID linked to your UAN can derail your service history and create problems for transfers and withdrawals, but it can be corrected if you combine proper documentation, employer support and follow-up with EPFO.

    • Is your EPF enough for retirement? Why you need more than PF as a salaried worker

      A reality check using 2024–25 data on EPF returns, inflation and medical costs, and why adding PPF, NPS and voluntary investments is now critical for retirement security.

    • EPF vs NPS: Making the right choice to maximise your retirement corpus

      A practical look at how the two biggest long-term savings tools behave over decades — and why the better option depends on how much stability or growth you want in your retirement plan.

    • Is your EPF paperwork in shape? A simple checklist to check it yourself

      A few quick online checks can tell you whether your EPF money is safe, growing properly, and ready when you need it.

    • 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.

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