EPF kya hota hai?
EPF (Employee Provident Fund) ek mandatory retirement savings scheme hai jo EPFO (Employees' Provident Fund Organisation) manage karta hai. Agar aapki company 20+ employees ki hai aur aapki basic salary ₹15,000+ hai — EPF mandatory hai.
Contribution breakdown
| Contribution | Rate | Kahan jaata hai |
|---|---|---|
| Employee | 12% of basic+DA | 100% EPF account mein |
| Employer | 12% of basic+DA | 3.67% EPF + 8.33% EPS (pension) |
| Current interest | 8.25% p.a. | Tax free (5 saal baad withdrawal) |
VPF option
VPF (Voluntary Provident Fund) mein aap apna EPF contribution 12% se zyada kar sakte hain — same 8.25% interest milti hai. Tax benefit bhi milta hai Section 80C ke under (₹1.5 lakh limit mein).
EPF withdrawal rules
- Retirement (58 years): Full withdrawal
- Job change: Transfer karna best practice hai (UAN se)
- Unemployment: 75% after 1 month, 100% after 2 months
- Medical emergency: Full withdrawal allowed
- Home purchase: Partial withdrawal (5 saal service ke baad)
EPF balance kaise check karein?
EPFO portal (epfindia.gov.in), UMANG app, ya missed call 011-22901406 par (registered mobile se). UAN aur Aadhaar linked hona chahiye.
Job change par EPF kya karein?
Naye employer ko UAN number dein — woh transfer process shuru karenge. Nikalna avoid karein — 5 saal se pehle withdrawal par tax lagta hai.