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- Salary up to Rs 25,000: EPFO reveals how you can enrol for EPF, EPS and ELDI schemes
The government recently raised the wage ceiling for the Employees' Provident Fund to Rs 25,000, allowing ...More
The government recently raised the wage ceiling for the Employees' Provident Fund to Rs 25,000, allowing a broader range of workers to access the EPF, EPS, and EDLI schemes. This increase means that employees earning up to the new limit can secure essential social security benefits. ...Less
- EPFO WhatsApp channel: Can you access EPF, EPS and EDLI services? How to join
EPFO has introduced a new WhatsApp channel to keep subscribers informed about its schemes and services, a ...More
EPFO has introduced a new WhatsApp channel to keep subscribers informed about its schemes and services, attracting around two lakh users so far. The channel provides insights into the Employees’ Provident Fund, Employees’ Pension Scheme, and Employees’ Deposit Linked Insurance. ...Less
- EPS-95 pension row: Retirees challenge 2007 EPF amendment over lower pension; Karnataka HC rules against them
The Karnataka High Court ruled against retired employees challenging amendments to the Employees' Pension ...More
The Karnataka High Court ruled against retired employees challenging amendments to the Employees' Pension Scheme, 1995. The court found the government's power to amend the scheme was legitimate and did not violate vested rights. Retired employees argued that their pension entitlements were reduced by the 2007 amendments. The EPFO clarified that the amendments corrected existing anomalies and did not take away benefits. ...Less
- EPS-95 higher pension: Pensioners’ body appeals to President as retirees struggle to get higher pension
The National Confederation of Pensioners’ Associations has requested intervention from President Droupadi ...More
The National Confederation of Pensioners’ Associations has requested intervention from President Droupadi Murmu regarding higher EPS pension issues. They demand the withdrawal of a problematic EPFO circular that affects eligibility for pensions based on internal trust rules. In addition, they seek to halt unnecessary litigation and ensure uniform treatment for all retirees. The NCPA calls for waiving punitive interest related to administrative delays on pension claims. ...Less
- No EPF, no pension: How Indian freelancers can build a retirement corpus in 2026-27; NPS, PPF, ELSS and the regime choice
No EPF, no pension. Learn how Indian freelancers can save tax and build a retirement corpus in 2026-27 us ...More
No EPF, no pension. Learn how Indian freelancers can save tax and build a retirement corpus in 2026-27 using NPS, PPF, ELSS and the right tax regime. ...Less
- EPS-95: Private sector employees win higher pension case in Bombay High Court despite PF Trust wage ceiling limit cap; know why
EPS-95: Private sector employees wins case for higher pension as Bombay HC rules higher pension can be gi ...More
EPS-95: Private sector employees wins case for higher pension as Bombay HC rules higher pension can be given even if PF trust rules capped the contributions at statutory wage ceiling limit ...Less
- EPFO extends ECR deadline to October 31, 2026: Employers to get 16 more days to file employees’ EPF, EPS and EDLI data
The EPFO has extended the September 2026 ECR filing deadline for employers from October 15 to October 31, ...More
The EPFO has extended the September 2026 ECR filing deadline for employers from October 15 to October 31, following the increase in the PF wage ceiling from Rs 15,000 to Rs 25,000. Employers must calculate contributions using the applicable wage ceilings. Meanwhile, eligible establishments can apply under the EPFO Amnesty Scheme 2026 for retrospective regularisation of exempt PF trusts by December 28, 2026. ...Less
- No additional EPS contribution by government on higher wage ceiling of Rs 25,000; know what it means for your pension
EPS pension: In a recent notification, the central government confirmed that the Employees' Pension Schem ...More
EPS pension: In a recent notification, the central government confirmed that the Employees' Pension Scheme contribution will remain at the current cap of Rs 15,000, despite announcing a new wage ceiling of Rs 25,000. This choice reflects findings from earlier actuarial evaluations pointing to a potential funding shortfall. Additionally, the government has promised supplementary budgetary support to ensure current pension payouts, although sustainability concerns have been voiced in Parliament. ...Less
- ETMarkets Smart Talk| A ₹25,000 monthly SIP can grow to ₹2.17 crore in 15 years—with a 10% annual step-up: Jeet Marwadi
In an interview with Kshitij Anand of ETMarkets, Jeet Marwadi, Founder and Managing Director of 1 Finance ...More
In an interview with Kshitij Anand of ETMarkets, Jeet Marwadi, Founder and Managing Director of 1 Finance, explains why reviewing loans, insurance, expenses and savings decisions can be just as important as investment selection—and why investors should seek financial advice early in their wealth journey. ...Less
- ‘Increase maximum EDLI benefit to Rs 10.50 lakh’: Why this BJP MP wants government to take immediate action
In a bid for better financial security, BJP MP Ajit Gopchade has urged Prime Minister Narendra Modi to en ...More
In a bid for better financial security, BJP MP Ajit Gopchade has urged Prime Minister Narendra Modi to enhance the Employees' Deposit Linked Insurance (EDLI) coverage. Citing the recent increase in the EPF wage ceiling from Rs 15,000 to Rs 25,000 as a pivotal reason, Gopchade proposes that the minimum cover be elevated to Rs 10.50 lakh. ...Less
- 8th Pay Commission: Level 1 salary at Rs 47,160, Rs 54,000 or Rs 69,000? Check Level 1-5 estimates at different fitment factors
8th Pay Commission latest news: On October 22-23, 2026, Mumbai will host consultation meetings for the 8t ...More
8th Pay Commission latest news: On October 22-23, 2026, Mumbai will host consultation meetings for the 8th Pay Commission, where employee and pensioner associations will strongly advocate for enhanced fitment factors relative to previous standards. The agenda includes vital discussions on salary adjustments, pension increases, and allowances for government employees. Proposed factors range from 2.62 to 4.38, with 3.833 being widely favored, pending the government’s budgetary framework. ...Less
- Higher EPF wage ceiling expands social security for millions; but EPS legacy issues need to be fixed
The recent adjustment to the Employees' Provident Fund wage ceiling significantly widens eligibility for ...More
The recent adjustment to the Employees' Provident Fund wage ceiling significantly widens eligibility for benefits, raising the contribution limit from Rs. 15,000 to Rs. 25,000. This revision aims to enhance social security, but it might pose complexities for pension contributions. Employees should verify the accuracy of their EPS records to prevent issues, as the swift rollout of the new ceiling could lead to unforeseen challenges. ...Less
- EPF wage ceiling hike: How it impacts employee & employer's contributions to EPF, EPS and take-home pay
While the higher ceiling does have an impact on immediate net cash take-home of the employee due to incre ...More
While the higher ceiling does have an impact on immediate net cash take-home of the employee due to increased contribution, it will certainly support building of future corpus for retirement and higher pension by way of contribution to the provident fund and pension scheme. ...Less
- EPS pension eligibility: Is EPS membership mandatory for you if your wages are Rs 25,000+? Check status
The government has raised the wage limit for the Employees' Provident Fund from Rs 15,000 to Rs 25,000 mo ...More
The government has raised the wage limit for the Employees' Provident Fund from Rs 15,000 to Rs 25,000 monthly. This adjustment mandates that employees earning under Rs 25,000 join the EPF and EPS schemes. Existing EPS members above this wage threshold will maintain their status, while new entrants won’t be obliged to enroll. This reform seeks to enhance social security benefits for workers and their families. ...Less
- WhatsApp scam alert: How replying ‘No’ to fake bank debit message can empty your bank account
Hyderabad reported incidents of WhatsApp message fraud causing victims to lose significant amounts of mon ...More
Hyderabad reported incidents of WhatsApp message fraud causing victims to lose significant amounts of money. A chartered accountant lost lakhs after responding to a fraudulent message regarding a bank transaction. Similarly, two retired principals lost Rs 64 lakh due to scams in which one of them was misled into updating their KYC information. Authorities advise against responding to such messages and recommend contacting official channels. ...Less
- Railway employees to get Rs 17,591 annual bonus: But why other central government employees get just Rs 6,908
Indian Railway annual bonus: The central government has announced a Productivity Linked Bonus for non-gaz ...More
Indian Railway annual bonus: The central government has announced a Productivity Linked Bonus for non-gazetted Railway employees for FY 2025-26. Railway employees will receive a bonus calculated at 78 days' basic wages, amounting to Rs 17,951. In contrast, other central government employees receive a significantly lower bonus calculated at 30 days' wages. Various employee associations have demanded an increase in the bonus wage ceiling due to rising inflation. ...Less
- Massive Cartoon Network breach leads to decades of classic animation files leaking days after Skydance merger: Know what has leaked
A significant data breach has leaked over 200 GB of internal files from Cartoon Network's production. Sho ...More
A significant data breach has leaked over 200 GB of internal files from Cartoon Network's production. Shows such as Adventure Time and The Powerpuff Girls are among the affected content. The leak, traced to an anonymous X account, includes storyboards and character model sheets. Disney experienced a similar breach in 2024, where internal documents were exposed online. Warner Bros. and Paramount have not yet confirmed this recent leak. ...Less
- NPS investment in startups: AINPSEF writes to PM Modi seeking probe and asks for dissolution of NPS Trust
Manjeet Singh Patel has alleged serious financial irregularities concerning the National Pension System T ...More
Manjeet Singh Patel has alleged serious financial irregularities concerning the National Pension System Trust. He has requested a high-level audit by the Comptroller and Auditor General of India. Patel asserts that many employees' NPS investments have turned negative due to poor market performance. He demands the implementation of a guaranteed minimum return on employee contributions. ...Less
- VRS offer in hand? Check these tax rules before you accept the package
Contemplating a Voluntary Retirement Scheme (VRS)? Prior to making your decision, it’s crucial to analyze ...More
Contemplating a Voluntary Retirement Scheme (VRS)? Prior to making your decision, it’s crucial to analyze the overall financial implications, including taxation aspects and the treatment of different package components. Be clear on the eligibility for tax breaks and ensure that your financial security after retirement is adequately planned. ...Less
- EPF & EPS rules under new wage ceiling: Earning Rs 20,000 and not EPS member? Know how your employer’s PF contribution will change from October 2026
Employees earning up to Rs 25,000 will see changes in their EPF contributions due to mandatory EPS member ...More
Employees earning up to Rs 25,000 will see changes in their EPF contributions due to mandatory EPS membership. Employer contributions will now be split between EPF and EPS according to the new rules. ...Less
- Higher EPS pension: Pensioners seek PM Modi’s intervention over EPFO's stance on higher pension cases
EPS pension: In a recent letter to Prime Minister Modi, the National Confederation of Pensioner Associati ...More
EPS pension: In a recent letter to Prime Minister Modi, the National Confederation of Pensioner Associations highlighted critical issues within the Employees' Pension Scheme. They contest the ongoing discriminatory practices by the Employees' Provident Fund Organisation regarding higher pension claims. The pensioners argue that the internal regulations should not be allowed to supersede existing parliamentary legislation. ...Less
- EPS pension: Basic pay above Rs 25,000? Why you may not qualify for EPS membership
The Employees' Provident Fund Organisation has introduced updated guidelines concerning EPS membership fo ...More
The Employees' Provident Fund Organisation has introduced updated guidelines concerning EPS membership for workers. Employers are obligated to verify the wages and prior EPS membership status of new hires. Employees earning Rs 25,000 or less must be enrolled in EPS, while others have distinct criteria. Accurate deductions are vital for employers to avert complications in upcoming claims. ...Less
- EPF vs EPS vs EDLI: Earning Rs 10,000–Rs 35,000? Government reveals employee & employer’s monthly contributions from October 2026
The Ministry of Labour and Employment raised the Employees’ Provident Fund wage ceiling from Rs 15,000 to ...More
The Ministry of Labour and Employment raised the Employees’ Provident Fund wage ceiling from Rs 15,000 to Rs 25,000. This change will enforce social security coverage for many organized sector employees in India. ...Less
- EPS pension benefit: Basic salary up to Rs 25,000 but no employer EPS contribution? Here’s where to complain
Employees participating in the Employees’ Pension Scheme (EPS) should verify that their employers are mak ...More
Employees participating in the Employees’ Pension Scheme (EPS) should verify that their employers are making necessary contributions. Should an employer neglect these payments, employees are advised to first reach out to their Human Resource department. If the issue persists, complaints can be filed via the EPFiGMS portal, enabling users to track their complaint's progress. ...Less
- How much risk can you take? Pension regulator plans to ask before you choose an NPS scheme
PFRDA is set to launch a suitability platform to evaluate the risk appetite of NPS subscribers. This plat ...More
PFRDA is set to launch a suitability platform to evaluate the risk appetite of NPS subscribers. This platform will be integrated across various NPS interfaces for better assessment. The aim is to enable subscribers to make informed choices about their pension schemes. Recent studies indicate a growing interest in NPS among individuals planning for retirement. Despite increasing interest, pension coverage in India remains low at around 17-18%. ...Less
- EPF wage ceiling raised to Rs 25,000: When will higher EPF deductions appear in your salary slip?
Starting September 2026, a major shift in the EPFO wage ceiling will raise the limit from Rs 15,000 to Rs ...More
Starting September 2026, a major shift in the EPFO wage ceiling will raise the limit from Rs 15,000 to Rs 25,000 monthly. This increase will have different effects on various employees, especially those accustomed to the old ceiling as their deductions will change. Employers could face delays in updating their payroll systems, causing possible arrears and necessary adjustments for workers as they adapt to the new regulations. ...Less
- Don't cut salaries: Ministry sends a missive to companies after new ₹25,000 EPF wage ceiling
The Labour and Employment Ministry has instructed employers to maintain employees' statutory wages after ...More
The Labour and Employment Ministry has instructed employers to maintain employees' statutory wages after raising the EPFO ceiling. Workers earning between ₹15,000 and ₹25,000 are now mandatorily covered under the Employees' Pension Scheme. Employers are encouraged to view their contributions as part of good human resource practices. The government offers financial incentives for new employment to mitigate increased costs. ...Less
- How employees contributing to EPF on actual wage basis can be impacted due to hike in EPF wage ceiling limit
As of September 17, 2026, the EPF wage ceiling is set to increase from Rs 15,000 to Rs 25,000. This adjus ...More
As of September 17, 2026, the EPF wage ceiling is set to increase from Rs 15,000 to Rs 25,000. This adjustment does not affect employees whose earnings exceed Rs 25,000. Those earning between Rs 15,000 and Rs 25,000 will experience negligible changes to their contributions. Notably, EPS contributions will rise for employees hired prior to September 2014. Employers are responsible for managing increased contributions while keeping their salary structures intact. ...Less
- EPF wage ceiling history: How ₹300 became ₹25,000 and what it means for your salary
The wage ceiling for the Employees’ Provident Fund has officially increased to Rs 25,000, effective Septe ...More
The wage ceiling for the Employees’ Provident Fund has officially increased to Rs 25,000, effective September 17, 2026. This much-needed revision is the first change in wage limits since 2014 and directly impacts mandatory EPF contributions for employees in the organized sector. Those earning up to the new wage ceiling can expect elevated contributions, which will aid in bolstering their retirement plans. ...Less
- EPFO fund withdrawal rules for illness: How much EPF can you withdraw for medical treatment?
Eligible Employees' Provident Fund Organisation (EPFO) members can withdraw up to 75% of their EPF balanc ...More
Eligible Employees' Provident Fund Organisation (EPFO) members can withdraw up to 75% of their EPF balance for illness-related expenses after completing 12 months of EPF membership. ...Less
- EPF withdrawal for buying, constructing and repairing house: How much amount can you withdraw from your EPF corpus? check eligibility and rules
Earlier in October 2025, 13 types of partial withdrawal provisions were merged into one unified and simpl ...More
Earlier in October 2025, 13 types of partial withdrawal provisions were merged into one unified and simplified framework. Prior to the simplification of norms, an EPF member was allowed to withdraw only the employee contribution and interest ranging from 50-100%. ...Less
- How EPFO wage ceiling reset will change PF contribution math
The Employees' Provident Fund Organisation has changed the mandatory wage ceiling from Rs 15,000 to Rs 25 ...More
The Employees' Provident Fund Organisation has changed the mandatory wage ceiling from Rs 15,000 to Rs 25,000 as of September 17. This shift is expected to enroll one crore more workers into the social security net. Employees earning up to Rs 25,000 will now have a mandatory PF contribution of Rs 3,917. ...Less
- Just SIP, don't gulp or be thirsty
Investors are often encouraged to maintain their investments without reacting to market changes. However, ...More
Investors are often encouraged to maintain their investments without reacting to market changes. However, substantial evidence suggests that pausing contributions under certain conditions can be prudent. Historical findings indicate that investors who blindly follow strategies may suffer significant losses. ...Less
- New bounce in EPFO trampoline: How the wage ceiling revision will change things
Social security, like a trampoline, not only catches you but also enables you to bounce back. The system' ...More
Social security, like a trampoline, not only catches you but also enables you to bounce back. The system's core is to provide workers with a fund to draw from in times of emergency or at retirement, so that a temporary crisis doesn't become a lifelong hardship and trap them in debt. ...Less
- EPF retirement corpus calculator: Rs 1,800 vs Rs 3,000 monthly contribution — how much more EPF corpus you may build in 30 years?
The recent announcement to elevate the EPF wage ceiling represents a significant advantage for employees. ...More
The recent announcement to elevate the EPF wage ceiling represents a significant advantage for employees. By contributing more each month, individuals can amass a larger retirement fund over their careers. ...Less
- EPF wage ceiling at Rs 25,000: What it means for employees, employers and take-home pay
The Union Cabinet approved raising the EPF wage ceiling to Rs 25,000. This change impacts mandatory PF co ...More
The Union Cabinet approved raising the EPF wage ceiling to Rs 25,000. This change impacts mandatory PF contributions for employers and employees. Actual PF contributions depend on an employee's defined wage structure. Employers must bear their increased PF share as a statutory cost. This enhancement aims to strengthen long-term retirement savings and social security. ...Less
- Terrible at tracking finances and budgeting? CA shares a simple money system to stop Rs 10,000-Rs 20,000 from quietly disappearing every month
CA Nitin Kaushik says you don’t need to be naturally good at managing money if you have a simple system. ...More
CA Nitin Kaushik says you don’t need to be naturally good at managing money if you have a simple system. He recommends tracking actual take-home income, dividing expenses into four categories, using 50/30/20 as a flexible starting point and assigning every rupee a purpose. He also advises setting specific financial goals, reviewing investments monthly and calculating net worth regularly to ensure money is moving towards your priorities. ...Less
- Gold rate today (September 28, 2026): Check 24k, 22k, 20k and 18k gold jewellery prices from Malabar Gold & Diamonds, Joyalukkas, Kalyan Jewellers, Tanishq & IBJA in Delhi, Mumbai, Hyderabad & more cities
Gold rate today: Gold prices fell across major jewellery brands on Monday, September 28, 2026. Meanwhile, ...More
Gold rate today: Gold prices fell across major jewellery brands on Monday, September 28, 2026. Meanwhile, gold prices in the international and domestic markets have also come under pressure, with analysts pointing to rising bond yields, interest-rate expectations and continued uncertainty around the Strait of Hormuz. ...Less
- Will your in-hand salary decrease after wage ceiling hike? Know why employers can't recover higher EPF contribution from these employees
The EPF wage ceiling limit has been increased to Rs 25,000 with effect from September 17, 2026. However, ...More
The EPF wage ceiling limit has been increased to Rs 25,000 with effect from September 17, 2026. However, this does not mean that every employee will experience a lower take home pay. This is dependent on many factors like how much EPF contribution has been now, and others. Read the article. ...Less
- Rs 1.68 crore investments, Rs 89,000 monthly MF SIP. Can this 40-year-old investor retire at 50?
A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two chil ...More
A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two children’s education. With savings of Rs 1.68 cr from diverse investments, she plans to pay off her home loan by December 2026. Experts suggest she aim for a retirement fund between Rs 4-4.5 cr and adapt her investment strategy as her financial goals draw near. ...Less
- ₹25,000 EPF wage ceiling: What employees need to know about EPF, EPS and EDLI
The Employees Provident Fund Organisation has introduced a new wage ceiling of Rs 25,000, which will dire ...More
The Employees Provident Fund Organisation has introduced a new wage ceiling of Rs 25,000, which will directly influence the contributions made by both employees and employers to the provident fund. Furthermore, subscribers of the Employees Pension Scheme can expect an increase in their monthly pension benefits. ...Less
- Will this EPF insurance limit rise to Rs 10.50 lakh after EPF wage ceiling hike to Rs 25,000?
The government has approved raising the EPF wage ceiling to Rs 25,000. This change will significantly inc ...More
The government has approved raising the EPF wage ceiling to Rs 25,000. This change will significantly increase the Employees’ Deposit Linked Insurance coverage amount. Nominees could receive a maximum assured sum of Rs 10.50 lakh or more. The revised ceiling aligns social security thresholds with current wage levels. Employers should await formal notification for detailed implementation provisions. ...Less
- Did you change your EPF nomination after marriage? Time to act is now, as it becomes invalid if you don’t
Did you realize that getting married may nullify your EPF nomination? This frequent oversight can lead to ...More
Did you realize that getting married may nullify your EPF nomination? This frequent oversight can lead to significant issues for your family. It’s essential to update your EPF nomination following marriage. Uncover who you can name as a nominee and how to ensure your family can receive their benefits effortlessly when they need them most. ...Less
- Higher EPS pension: Ruling party MP urges PM Modi to ensure uniform, time-bound implementation
BJP Rajya Sabha MP Ajeet Madhavrao Gopchade has urged Prime Minister Narendra Modi to intervene in pendin ...More
BJP Rajya Sabha MP Ajeet Madhavrao Gopchade has urged Prime Minister Narendra Modi to intervene in pending higher EPS pension issues. He highlighted procedural hurdles under Para 26(6), continuing litigation, pending Parliamentary Assurance No. 271/72, financial sustainability concerns and differing pension treatment among trust employees. He sought uniform implementation, faster disposal of eligible claims and a comprehensive review of EPS-1995. ...Less
- Retiring at 50, 58 or 60: How much EPS pension do you lose by retiring early?
EPS pension calculator: Employees’ Pension Scheme members can retire early from age fifty. Deferred retir ...More
EPS pension calculator: Employees’ Pension Scheme members can retire early from age fifty. Deferred retirement allows for increased pension amounts after age fifty-eight. An employee with twenty-five years of service and a pensionable salary of twenty-five thousand rupees receives a pension. Early retirement at age fifty reduces the monthly pension significantly. Deferring retirement by two years increases the monthly pension amount. ...Less
- EPF wage ceiling hike: Lesser take home salary for these employees; know how you will be impacted
In a significant update, the EPFO wage ceiling limit has been modified to Rs 25,000 monthly. This modific ...More
In a significant update, the EPFO wage ceiling limit has been modified to Rs 25,000 monthly. This modification will add fifty-one lakh workers to the social security umbrella. With this change, both employee and employer contributions will go up from Rs 1800 to Rs 3000, potentially cutting monthly take-home pay by Rs 1200. ...Less
- 8th Pay Commission calculator: Can Level 8 employees get Rs 18 lakh in arrears for report implementation delay?
8th Pay Commission news: The 8th Pay Commission’s report submission and implementation timeline will dete ...More
8th Pay Commission news: The 8th Pay Commission’s report submission and implementation timeline will determine employees’ arrears. For Level 6–8 employees, potential arrears depend on the fitment factor and implementation delay. A Level 8 employee may receive nearly Rs 18 lakh for a 24-month delay under a 2.57 fitment factor. However, these are estimates based on basic-pay increases, and actual arrears will depend on the notified recommendations. ...Less
- EPF wage ceiling: SC says plea needs no further hearing as Cabinet raises limit to Rs 25,000
A plea concerning the Employees Provident Fund wage ceiling was dismissed by the Supreme Court. The Cabin ...More
A plea concerning the Employees Provident Fund wage ceiling was dismissed by the Supreme Court. The Cabinet's recent decision to raise this ceiling to Rs 25,000 monthly is set to bolster savings and pension safeguards for an additional workforce. This change is projected to positively impact over fifty lakh employees, with the effective date slated for September seventeenth. ...Less
- Retiring soon? How much higher EPS pension will you get after the wage ceiling hike
The Employees Provident Fund wage ceiling has risen to Rs 25,000. This change will affect Employees Pensi ...More
The Employees Provident Fund wage ceiling has risen to Rs 25,000. This change will affect Employees Pension Scheme members' monthly pension amounts. Employees with longer service periods will see greater pension increases. Pension calculations depend on average salary and years of pensionable service. The new ceiling allows more employees to join the EPS scheme. ...Less
- Are you eligible for Rs 12,500 pension under EPS scheme after the wage ceiling hike? Know what your new pension will be
The Employees' Provident Fund wage ceiling has increased to Rs 25,000. This change will enable employees ...More
The Employees' Provident Fund wage ceiling has increased to Rs 25,000. This change will enable employees to receive higher retirement benefits and monthly pensions. Pension calculations now consider a higher pensionable salary and increased service years. Employees must contribute for five years at the new ceiling for maximum benefit. Eligibility for the Employees' Pension Scheme has also expanded for certain employees. ...Less
- EPF wage ceiling hiked to Rs 25,000: How much employees gain and what it costs the government
In a significant move, the government has lifted the provident fund wage ceiling to Rs 25,000 monthly, br ...More
In a significant move, the government has lifted the provident fund wage ceiling to Rs 25,000 monthly, bringing over 51 lakh new employees into the fold of social security. This adjustment is projected to cost the Centre Rs 11,339 crore annually. As a result, more individuals will benefit from mandatory coverage, but employers should prepare for an increase in obligatory contributions once the changes take effect. ...Less
- 67% rise in EPS pension for these employees as wage ceiling hike to Rs 25,000 gets cabinet’s approval
The central government has raised the provident fund wage ceiling to Rs 25,000 monthly, which will enhanc ...More
The central government has raised the provident fund wage ceiling to Rs 25,000 monthly, which will enhance social security coverage for many organised sector employees. Those earning this amount in basic pay and dearness allowance will now be included in the Employee Provident Fund and Employee Pension Scheme. This adjustment aims to broaden the reach of social security benefits, thus supporting a larger workforce in their retirement planning. ...Less
- Bharatiya Mazdoor Sangh seeks doubling of EPF wage ceiling as wages rise
The Bharatiya Mazdoor Sangh seeks to double the wage ceiling for mandatory Employees' Provident Fund cove ...More
The Bharatiya Mazdoor Sangh seeks to double the wage ceiling for mandatory Employees' Provident Fund coverage. This trade union also wants increased eligibility for Employees' State Insurance and statutory bonus. The existing thresholds have not kept pace with rising wages and changing employment conditions. The union organized a nationwide agitation and submitted a memorandum to the Prime Minister. Assurances have been received, but a concrete policy decision remains pending. ...Less
- EPFO launches WhatsApp channel for PF updates: How to join official channel and what information you can get
The Employees Provident Fund Organisation has introduced a dedicated WhatsApp channel for its members. Th ...More
The Employees Provident Fund Organisation has introduced a dedicated WhatsApp channel for its members. This innovative service delivers crucial updates and pertinent information straight to users' devices. Members can explore educational resources on different EPF topics via this channel. ...Less
- EPFO wage ceiling hike may cover up to 1 crore more workers: Union Minister Mansukh Mandaviya
The EPFO wage ceiling has been increased to Rs 25,000 per month. This change is expected to bring between ...More
The EPFO wage ceiling has been increased to Rs 25,000 per month. This change is expected to bring between fifty lakh and one crore new beneficiaries. Mandatory social security coverage will now extend to more employees. Employers and employees will see adjusted contribution amounts for this salary bracket. The revised wage ceiling will be implemented from Thursday, September 17. ...Less
- EPF advance rules: You can withdraw EPF money for these 5 reasons; check limits
Members of the Employees Provident Fund Organisation can access their savings in times of need, such as e ...More
Members of the Employees Provident Fund Organisation can access their savings in times of need, such as emergencies and personal circumstances. Illness-related withdrawals have no limits, while education expenses allow for up to ten claims. For marriage and housing, members may withdraw funds up to five times each during their membership. ...Less
- 'Don't keep your money in...': Before you turn 30, Bengaluru CA says you should know these 5 money rules
Bengaluru CA Meenal Goel shared five money rules she wishes she knew at 25. She advised checking EPF cont ...More
Bengaluru CA Meenal Goel shared five money rules she wishes she knew at 25. She advised checking EPF contributions regularly, adding nominees across financial accounts, spreading deposits instead of keeping all money in one bank, getting term and health insurance while young and healthy, and understanding salary slips, including Basic, CTC, PF, gratuity and deductions. ...Less
- EPFO told to pay 6% interest on Rs 14 lakh PF claim after 35-day delay: What consumer commission said
The Mumbai consumer commission ruled against the EPFO, citing service deficiency linked to inadequate com ...More
The Mumbai consumer commission ruled against the EPFO, citing service deficiency linked to inadequate communication regarding a joint declaration application. Consequently, the commission mandated EPFO to pay six percent interest on the delayed EPF claim, which was filed by the complainant back in October 2016. EPFO has been instructed to fulfill this directive within a strict timeframe of forty-five days. ...Less
- How to get Rs 3 lakh/month from my Rs 2 crore EPF corpus?
ET Wealth Reader's Query: I retired at 53 and have Rs 2 crore in my EPF account. I understand that I can ...More
ET Wealth Reader's Query: I retired at 53 and have Rs 2 crore in my EPF account. I understand that I can continue to earn interest on the balance for up to three years even without fresh contributions. What are the tax rules for this? My monthly expenses are Rs 3 lakh. I want to optimise returns and get steady income. ...Less
- Cabinet raises EPFO wage ceiling to Rs 25,000 from Rs 15,000
The government has increased the provident fund wage ceiling to Rs 25,000 monthly. This significant move ...More
The government has increased the provident fund wage ceiling to Rs 25,000 monthly. This significant move aims to expand social security coverage for many employees. The administration will allocate approximately Rs 11,339 crore annually for this initiative. Broader coverage will offer employees greater financial stability and aid retention. Union minister Ashwini Vaishnaw announced this decision at a Cabinet briefing. ...Less
- EPFO wage ceiling raised to Rs 25000 per month; over 10 million formal sector workers to benefit
The enhanced wage ceiling, approved by the Cabinet on Wednesday, will put additional financial burden on ...More
The enhanced wage ceiling, approved by the Cabinet on Wednesday, will put additional financial burden on employees and the government while the employees may see a dip in take home salary. As per government estimates, the average additional outgo for employers will be Rs 600 per worker per month under the enhanced wage ceiling, which comes into effect from Thursday. The annual government outgo is estimated at about Rs 11,339 crore. ...Less
- Will you get EPF interest till 58 years of age if you leave job at 40? EPFO explains
Even if you've left your job, your EPF interest keeps accumulating until you turn 58. However, if you don ...More
Even if you've left your job, your EPF interest keeps accumulating until you turn 58. However, if you don’t contribute for three years, your account will be inactive. It’s usually a smart move to transfer your EPF balance to your new employer. Additionally, the VISHWAS, 2026 scheme provides businesses with a one-time settlement option to ease long-standing disputes and reduce penalties. ...Less
- EPF vs NPS: Rs 10,000/monthly investment in each; where you may get a higher retirement corpus?
The National Pension System (NPS) and the Employee Provident Fund (EPF) both serve unique purposes for re ...More
The National Pension System (NPS) and the Employee Provident Fund (EPF) both serve unique purposes for retirement planning. The ultimate financial growth from these investments significantly relies on future market performance, allowing both options to potentially build substantial wealth over time. ...Less
- Employee showed Rs 9.6 lakh EPF interest in ITR by mistake, got income tax notice: He fought and got full relief in ITAT Mumbai
Income Tax Dept sent tax notice for Rs 9.6 lakh EPF interest which employee never received but erroneousl ...More
Income Tax Dept sent tax notice for Rs 9.6 lakh EPF interest which employee never received but erroneously shown in ITR as received; he fights and wins case in ITAT Mumbai. This judgement was delivered by Challa Nagendra Prasad, the Judicial Member, and Makarand Vasant Mahadeokar, the Accountant Member of ITAT Mumbai. ...Less
- EPFO: Check EPF balance; download passbook, activate UAN & more; 5 EPF services available on Umang app
The EPFO has now made it possible for users to generate and activate their UAN directly via the UMANG app ...More
The EPFO has now made it possible for users to generate and activate their UAN directly via the UMANG app. This innovative approach incorporates Aadhaar-based facial recognition, streamlining access to essential EPFO services. After activating their UAN, employees can easily check their EPF balance and download passbooks. ...Less
- 100% equity NPS schemes have attracted younger investors, says Sriram Iyer, MD & CEO, HDFC Pension Fund
The multiple-scheme framework introduced last year, the lower mandatory annuitisation requirement, and th ...More
The multiple-scheme framework introduced last year, the lower mandatory annuitisation requirement, and the growing focus on non-government subscribers and gig workers are broadening NPS’s appeal, Sriram Iyer, MD & CEO, HDFC Pension Fund, tells Preeti Kulkarni. ...Less
- EPF scheme launches EEC 2026: If you missed EPF enrolment, find out whether you can enrol before the October 31 deadline
Salaried employees who want to opt for EPF scheme but could not due to issue with employer can now do so ...More
Salaried employees who want to opt for EPF scheme but could not due to issue with employer can now do so by October 31, 2026 if these conditions are satisfied. Read the article to know more. ...Less
- EPF calculator: How many years to build ₹2.23 crore from a ₹50,000 basic salary?
An employee earning Rs 50,000 as monthly basic salary can build a substantial retirement corpus through r ...More
An employee earning Rs 50,000 as monthly basic salary can build a substantial retirement corpus through regular EPF contributions and compound interest. ...Less
- Safebox raises $1.11 million seed round to build India’sfamily wealth protection category
Safebox has successfully secured $1.11 million in seed funding to revolutionize wealth management for Ind ...More
Safebox has successfully secured $1.11 million in seed funding to revolutionize wealth management for Indian families. By focusing on consolidating and protecting diverse financial assets, Safebox tackles the prevalent issue of unclaimed wealth stemming from poor record-keeping. This funding will bolster product capabilities and expedite distribution, ultimately creating a new paradigm in Family Wealth Protection across India. ...Less
- EPFO services you can still avail on its portal: Tracking application status, filing death claim, UAN allotment and more
The Employees' Provident Fund Organisation has revamped its services for members, allowing UAN activation ...More
The Employees' Provident Fund Organisation has revamped its services for members, allowing UAN activation solely through the UMANG app, utilizing advanced face authentication. While members can track pension applications and file death claims via the EPFO portal, UAN allotment and retrieval services continue to be accessible on the EPFO website. ...Less
- EPF calculator: Basic pay Rs 50,000? In how many years can you build Rs 2.23 crore retirement corpus?
The Employees Provident Fund serves as a robust mechanism for building long-term savings through consiste ...More
The Employees Provident Fund serves as a robust mechanism for building long-term savings through consistent contributions and the magic of compound interest. Factors like annual salary hikes and stable interest rates greatly influence the total savings, while optional contributions can further bolster retirement finances. ...Less
- EPFO rules for NRIs’ EPF withdrawal: Do NRIs need to wait till 58 years of age to withdraw their employees’ provident fund retirement corpus?
Non-resident Indians have the opportunity to access their Employees Provident Fund (EPF) corpus upon thei ...More
Non-resident Indians have the opportunity to access their Employees Provident Fund (EPF) corpus upon their departure from India. Those who are relocating permanently abroad can initiate a complete withdrawal after fulfilling necessary formalities. Notably, NRIs aren’t required to reach the age of fifty-eight for this withdrawal. ...Less
- ₹79 lakh more at retirement? How a small monthly VPF contribution can boost your retirement corpus
Voluntary Provident Fund offers a stable retirement savings avenue for salaried employees. Additional VPF ...More
Voluntary Provident Fund offers a stable retirement savings avenue for salaried employees. Additional VPF contributions can significantly grow a retirement corpus over time. However, VPF funds are not easily accessible, unlike regular savings accounts. Investors should prioritize emergency funds and clear expensive debt before contributing. VPF serves as a locked-in retirement asset within the broader EPF structure. ...Less
- EPF vs stock market: EPFO reveals 6 reasons why EPF offers greater retirement security
The Employees Provident Fund (EPF) presents a government-backed savings scheme, ensuring consistent inter ...More
The Employees Provident Fund (EPF) presents a government-backed savings scheme, ensuring consistent interest rates with mandatory contributions from eligible employees. In contrast, the share market offers a more volatile investment route, where participation is entirely optional. While EPF secures tax advantages, pensions, and insurance, shares may promise greater returns but come with inherent risks. ...Less
- Rs 97,500 monthly SIP & over Rs 2 crore corpus at 62? Expert suggests portfolio rejig for NRI investor to reach Rs 3 crore goal
As retirement approaches, a non-resident Indian (NRI) investor with a target of Rs 3 crore seeks guidance ...More
As retirement approaches, a non-resident Indian (NRI) investor with a target of Rs 3 crore seeks guidance from a financial expert. The advisor recommends a structured approach involving asset allocation and portfolio consolidation. The investor's assets are categorized into three groups according to their risk profiles and investment timelines. Certain mutual funds are advised for both retention and new contributions. ...Less
- Can you stop NPS contributions for a few years? Know the impact before you take a break
Experiencing a financial setback? Halting NPS contributions may appear to be the only option, but have yo ...More
Experiencing a financial setback? Halting NPS contributions may appear to be the only option, but have you considered the long-term consequences for your retirement fund? Delve into the longevity of your existing investments, what the minimum contribution requirements are, and how taking a break can influence your tax advantages. ...Less
- EPFO urges establishments to enrol eligible workers under EEC 2026
Establishments can now enrol previously uncovered employees under EPF. This Employees' Enrolment Campaign ...More
Establishments can now enrol previously uncovered employees under EPF. This Employees' Enrolment Campaign 2026 offers a one-time opportunity for compliance. Eligible workers will gain access to provident fund and pension benefits. Employers must complete enrolment and remittance through the online portal. The campaign aims to bring more workers into the social security framework. ...Less
- EPFO credits August pensions early to 4,40,901 pensioners in Keralam Zone amidst Onam celebrations
The Employees' Pension Fund Organisation credited August pensions early for 4,40,901 pensioners. This adv ...More
The Employees' Pension Fund Organisation credited August pensions early for 4,40,901 pensioners. This advance disbursement occurred on August 26, 2026, before the Onam festival. The Employees' Pension Scheme 1995 is usually paid at the month's end. This early release enabled families to celebrate the festival without financial concerns. EPFO aims for timely social security benefit delivery through technology. ...Less
- 21.55 lakh inoperative EPF accounts have average balance of around Rs 40,000: Check if your EPF money is also stuck; here's what you can do
EPFO member alert: Over the past four years, inoperative Employees Provident Fund accounts have surged by ...More
EPFO member alert: Over the past four years, inoperative Employees Provident Fund accounts have surged by eighty-four percent, with inactive balances witnessing a dramatic increase of one hundred sixteen percent. Furthermore, the average amount in these dormant accounts rose by sixteen percent. This trend indicates that many members are neglecting to file their claims after leaving service. To address this, the government is implementing steps to identify and revive these inactive accounts. ...Less
- Why you may lose EPF interest on your inoperative account: EPFO explains what you should do
Employees' Provident Fund (EPF) accounts become inactive if there are no contributions or withdrawals for ...More
Employees' Provident Fund (EPF) accounts become inactive if there are no contributions or withdrawals for three consecutive years. To avoid losing interest, it's recommended that early retirees withdraw their funds before this age. EPFO encourages members to manage their balances proactively to maintain interest accumulation and avert potential financial setbacks. ...Less
- Can you build a ₹5 crore retirement corpus on a ₹15 lakh salary with EPF alone?
Can EPF contributions secure a comfortable retirement for those with higher salaries. With an annual inco ...More
Can EPF contributions secure a comfortable retirement for those with higher salaries. With an annual income of ₹15 lakh, one can potentially accumulate a significant retirement fund corpus. However, rising inflation and healthcare expenses highlight the urgent need for a diversified investment strategy to ensure a financially stable future. ...Less
- EPFO withdrawal rules: Minister reveals how much EPF amount can subscribers withdraw during medical emergency, unemployment, house repair
The Employees' Provident Fund Organisation (EPFO) has made it easier for members to access their savings ...More
The Employees' Provident Fund Organisation (EPFO) has made it easier for members to access their savings by modifying withdrawal regulations. Now, individuals can withdraw up to seventy-five percent of their accumulated balance twice a year. In cases of unemployment, members can access seventy-five percent of their provident fund immediately. ...Less
- New EPF wage ceiling of Rs 25,000? Who will benefit and what it means for EPF subscribers; here’s what the report says
The Expenditure Department has granted approval to increase the EPF wage ceiling to Rs 25,000, aiming to ...More
The Expenditure Department has granted approval to increase the EPF wage ceiling to Rs 25,000, aiming to expand mandatory provident fund and pension plans to more employees. ...Less
- EPF vs mutual funds: Which is better for retirement? EPFO compares returns, tax, pension benefits and risk
The Employees Provident Fund offers retirement security and employer contributions. Mutual funds are volu ...More
The Employees Provident Fund offers retirement security and employer contributions. Mutual funds are voluntary investments with market-linked returns and potential capital gains tax. EPF provides additional benefits like pension and life insurance coverage. Mutual fund beneficiaries receive only the investment value upon death. ...Less
- Eligible for 75% EPF balance withdrawal and planning to do so? Think again and find out how much it will cost you to rebuild it
New EPF withdrawal rules offer greater flexibility for salaried employees. Experts caution against withdr ...More
New EPF withdrawal rules offer greater flexibility for salaried employees. Experts caution against withdrawing retirement savings prematurely due to lost compounding. Transferring EPF balances is generally better than withdrawing when changing jobs. Withdrawing EPF can impact future Employees' Pension Scheme benefits significantly. Consider genuine needs like permanent relocation or financial hardship before withdrawing. ...Less
- 67% higher EPS pension? How Rs 25,000 EPF wage ceiling could increase your monthly payout
EPF wage ceiling: The Employees Provident Fund wage ceiling may increase to Rs 25,000. This change will b ...More
EPF wage ceiling: The Employees Provident Fund wage ceiling may increase to Rs 25,000. This change will bring more employees under the EPF and EPS schemes. Employees' in-hand salaries might decrease while their retirement corpus grows. The Employees Pension Scheme pension will likely increase significantly for eligible members. This revision aims to enhance retirement benefits for a larger workforce. ...Less
- Should you withdraw lakhs from EPF to invest in mutual funds? Bengaluru CA says most people are asking the wrong question
A Reddit user's question about withdrawing Rs 33.5 lakh from EPF to invest in mutual funds sparked debate ...More
A Reddit user's question about withdrawing Rs 33.5 lakh from EPF to invest in mutual funds sparked debate online. Sharing the post, Bengaluru CA Meenal Goel said most people focus too much on returns. She explained that EPF and mutual funds serve different purposes, with one protecting wealth and the other helping build it. Her advice: withdraw only what you need, keep EPF as a stable, tax-efficient asset, and invest future savings in mutual funds. ...Less
