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- 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
- 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
- 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
- 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
- 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
- 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
- EPFO claim delays, expert & IT staff shortage flagged by officers’ body; seeks govt intervention
EPFO officers have raised concerns over the backlog of auto claims that have been pending for over twenty ...More
EPFO officers have raised concerns over the backlog of auto claims that have been pending for over twenty days. The newly introduced IT system, CITES, has encountered significant implementation delays. Since 2008, staffing levels have remained stagnant, adversely affecting service quality. Officers are calling for reforms in both the Employees Pension Scheme and the leadership framework, advocating for expert guidance and PFRDA-like withdrawal restrictions to enhance savings. ...Less
- Rs 30,000 monthly SIP across 10 funds. Why this investor’s mutual fund portfolio may need a reset
A 36-year-old investor's Rs 30,000 monthly SIP portfolio requires adjustments for financial goals. The ex ...More
A 36-year-old investor's Rs 30,000 monthly SIP portfolio requires adjustments for financial goals. The expert highlights an inadequate retirement corpus projection, needing a revised calculation. Too many mutual funds create complexity and potential overlap for the current SIP amount. Goals approaching sooner need greater funding priority over longer-term objectives. A goal-wise approach is recommended, working backward from each financial target. ...Less
- Rs 1 crore at 27, but burnt out from office pressure: Gen Z employee shares his early retirement plan. ‘I’m tired’
A 27-year-old software engineer has sparked a debate after revealing that he has built a net worth of Rs ...More
A 27-year-old software engineer has sparked a debate after revealing that he has built a net worth of Rs 1 crore but is already considering retirement. The techie, who works at a “FAANG-equivalent company” and freelances, said years of working seven days a week have left him exhausted by deadlines, performance reviews and layoff fears. ...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
- 8th Pay Commission update: Inclusion of revision of pension and family pension in 8th CPC terms of reference demanded by central govt employee & pensioner bodies
8th Pay Commission latest news: Pensioner and employee bodies are advocating for the revision of pensions ...More
8th Pay Commission latest news: Pensioner and employee bodies are advocating for the revision of pensions for those who retired before 2026 under the 8th Pay Commission. They are also pressing to eliminate the 'unfunded cost' provision from the commission's guidelines. Both the Bharat Pensioners’ Samaj and AIDEF, representing millions of central government retirees, are calling for immediate government intervention to ensure fair and equitable pension benefits for all. ...Less
- EPS pension hike: Will minimum pension rise from Rs 1,000 to Rs 7,500?
Minimum EPS pension: Pensioners are advocating for a boost in the minimum EPS pension. The government rea ...More
Minimum EPS pension: Pensioners are advocating for a boost in the minimum EPS pension. The government reassured them that existing pensions are backed by appropriate budget allocations. A considerable number of pensioners benefit from the EPS scheme, and recent Supreme Court rulings have enabled many employees to qualify for increased pensions. While the government is dedicated to enhancing social security, it prioritizes the sustainability of funds. ...Less
- Higher EPS pension: Will existing pensioners get a higher pension due to the increase in the minimum EPF wage ceiling from ₹15k to ₹25k?
A potential EPF wage ceiling increase to ₹25,000 is generating significant employee interest. Read on to ...More
A potential EPF wage ceiling increase to ₹25,000 is generating significant employee interest. Read on to know if existing pensioners will receive higher monthly pension amounts. ...Less
- NRI shares journey from Rs 10 LPA to Rs 7.5 crore net worth and 3 Mumbai homes after moving to Middle East
An Indian NRI has shared his financial journey on social media, detailing how his career progressed from ...More
An Indian NRI has shared his financial journey on social media, detailing how his career progressed from a Rs 10 lakh annual salary to a net worth of around Rs 7.5 crore at 37. After moving to the Middle East, he said he accumulated substantial savings, cleared a home loan and bought two additional properties, taking his total Mumbai homes to three. ...Less
- CA challenges ‘buy your home early’ advice: Why your 30s should focus on wealth building
CA Nitin Kaushik challenges the advice to buy a home early, arguing that ages 25 to 40 should prioritise ...More
CA Nitin Kaushik challenges the advice to buy a home early, arguing that ages 25 to 40 should prioritise asset accumulation. He recommends equity, debt, land, liquidity and secondary income while cautioning that a Rs 1 crore home loan can restrict wealth creation. Kaushik says renting can be rational, land and apartments differ as investments, and side income should fund assets rather than lifestyle expenses. ...Less
- Women may be better investors than men. So why do they retire with less wealth? CA Nitin Kaushik explains
CA Nitin Kaushik highlighted the paradox that women may invest more wisely than men yet retire with less ...More
CA Nitin Kaushik highlighted the paradox that women may invest more wisely than men yet retire with less wealth. He attributed this to lower invested capital, career interruptions and excessive allocation to low-growth assets. Women’s longer-term financial security can improve by starting earlier, maintaining investments during career breaks, diversifying portfolios and understanding their own finances. Kaushik stressed that financial independence requires both disciplined investing and enough time for capital to compound. ...Less
- Higher EPS pension: What is government doing on pending application for higher EPS pension; here's what union minister said
EPS 95 latest news: The Employees' Provident Fund Organisation (EPFO) has received over fifteen lakh appl ...More
EPS 95 latest news: The Employees' Provident Fund Organisation (EPFO) has received over fifteen lakh applications for higher EPS pensions. As of August 5th, 2026, there remain eleven thousand five hundred ninety-five applications still pending. In response to a Supreme Court ruling granting access to higher pension options, the government has instructed regional EPFO offices and employers to hasten the application verification process. ...Less
- EPFO e-Office app services to remain unavailable on this date due to system upgrade
Attention users: The Employees Provident Fund Organisation e-Office application will not be accessible on ...More
Attention users: The Employees Provident Fund Organisation e-Office application will not be accessible on August 5 for essential system upgrades initiated by the NIC e-Office team. This means certain functionalities will experience constraints. Additionally, EPFO services through the UMANG app will also face downtime due to system migrations. Expect mild delays in processing claims and services during this period. ...Less
- Higher EPS-95 pension: Government clarifies rule for employees of exempted, unexempted establishments
EPS higher pension: The government has acknowledged the Madras High Court's decision on higher pension be ...More
EPS higher pension: The government has acknowledged the Madras High Court's decision on higher pension benefits. Supreme Court orders regarding higher pension contributions have also been examined. An online facility was provided for EPS subscribers opting for higher pension. This higher pension judgment has been implemented uniformly for all establishments. Employees can now contribute based on actual basic salary for increased pension. ...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
- 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
- You can never be rich in Bangalore? Why even Rs 50-70 lakh salary leaves little money to build wealth; techie explains the math
A techie’s claim that even a Rs 50-70 lakh salary may not be enough to become rich in Bangalore has spark ...More
A techie’s claim that even a Rs 50-70 lakh salary may not be enough to become rich in Bangalore has sparked debate online. Anmol Agarwal broke down expenses such as rent, taxes, car costs, shopping and travel, arguing that high living costs can leave limited money for investments, while several users challenged his calculations and said wealth creation depends largely on lifestyle choices and saving habits. ...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
- Lost track of old PF account? Govt reveals how new EPFO e-portal helps trace and transfer balance
The EPFO has launched a new digital platform to help members trace old accounts. Members can now securely ...More
The EPFO has launched a new digital platform to help members trace old accounts. Members can now securely access and transfer their accumulated PF balances online. This new portal simplifies the process of consolidating funds from inoperative EPF accounts. ...Less
- From gold and LIC policy to SIPs and crypto: How investment habits changed from Boomers to Millennials to Gen Z
Modern Indians are redefining investment strategies; rather than saving first, the youth now prioritise t ...More
Modern Indians are redefining investment strategies; rather than saving first, the youth now prioritise their financial goals before choosing investment products. This evolution shows a desire for financial independence, allowing individuals the liberty to make choices unburdened by financial strain. The advent of technology and improving accessibility to investment options has significantly enhanced wealth accumulation opportunities, indicating a broader trend of increasing incomes across the nation. ...Less
- EPF calculator: How much PF corpus can you generate with Rs 25,000 basic pay and 30 years of service?
An Employees Provident Fund subscriber could accumulate over Rs 1.12 crore in 30 years. This significant ...More
An Employees Provident Fund subscriber could accumulate over Rs 1.12 crore in 30 years. This significant corpus is projected with a Rs 25,000 monthly salary and an 8.25% interest rate. The total contributions amount to Rs 33.26 lakh, while interest earned reaches Rs 78.49 lakh. Compounding interest plays a crucial role in this substantial wealth accumulation over time. ...Less
- EPF interest not credited yet? 3 easy ways to check if your PF interest has been credited
The Employees' Provident Fund Organisation has begun crediting 8.25% interest for the financial year 2025 ...More
The Employees' Provident Fund Organisation has begun crediting 8.25% interest for the financial year 2025-26. Many EPF subscribers are receiving SMS notifications confirming this interest credit. Members can check their EPF balance through the EPFO portal, a missed call, or SMS service. ...Less
- Rs 9,330 crore lying in the inoperative EPF accounts; is your account also one of them; here's how to claim fund
As much as Rs 9,330.56 crore lies in inoperative Employees Provident Fund accounts. This unclaimed amount ...More
As much as Rs 9,330.56 crore lies in inoperative Employees Provident Fund accounts. This unclaimed amount is as of March 31, 2026, according to government data. The Employees Provident Fund Organisation is conducting outreach initiatives to inform members. Inoperative accounts are those with no contributions for three years after retirement. Workers can claim their inoperative EPF funds by transferring or withdrawing them. ...Less
- Is government launching minimum pension scheme for all citizens? Ministry responds in Parliament
Parliament heard that the government has no minimum pension scheme plans. The Code on Social Security, 20 ...More
Parliament heard that the government has no minimum pension scheme plans. The Code on Social Security, 2020, aims to extend benefits to unorganized workers. This code also provides for setting up a Social Security Fund. The Employees' Pension Scheme, 2026, is a pooled fund for eligible workers. Unclaimed EPF amounts in inoperative accounts totaled over Rs 9330 crores. ...Less
- Retiring with an EMI? Here's when it can make sense and when it could derail your retirement
Retiring debt-free is an ideal goal, but not always achievable or necessary. Experts suggest focusing on ...More
Retiring debt-free is an ideal goal, but not always achievable or necessary. Experts suggest focusing on EMI affordability rather than complete debt elimination. High-interest unsecured loans pose the greatest risk to retirement finances. Strategic debt management and income generation can support manageable EMIs. Planning finances across life stages helps avoid retirement debt burdens. ...Less
- Big age gap between children? Here’s what it means for your retirement, education planning, and family finances
India’s falling total fertility rate, which currently stands at 1.9, below the replacement rate of 2.1, h ...More
India’s falling total fertility rate, which currently stands at 1.9, below the replacement rate of 2.1, has ignited debates around smaller families, DINK (double income, no kids) households and the single-child parenting approach. Many affluent couples today are choosing to have just one child. They want to optimise their resources for that child. While such decisions are shaped by multiple factors, economic considerations play a crucial role. ...Less
- GPF interest rate for government employees: Has Finance Ministry changed GPF rate from 7.1% for July-September 2026 quarter?
The Ministry of Finance has announced the GPF interest rate for the upcoming quarter. General Provident F ...More
The Ministry of Finance has announced the GPF interest rate for the upcoming quarter. General Provident Fund and similar government funds will earn 7.1 percent interest. This rate remains unchanged for the July to September 2026 period. Public Provident Fund and small savings schemes also retain their current rates. Employees Provident Fund interest rate stands at 8.25 percent for the fiscal year. ...Less
- EPF Scheme 2026: Key changes in nominations, PF withdrawals, and employer compliance
Key features— such as the 12% contribution rate for employers and employees as well as the Rs.15,000 stat ...More
Key features— such as the 12% contribution rate for employers and employees as well as the Rs.15,000 statutory wage ceiling—remain unchanged, but the formalisation of revised provisions will trigger new operational obligations. ...Less
- EPFO paid lesser EPS money than what was shown in passbook; Consumer commission orders it to pay Rs 1000 compensation and 9% interest
EPFO underpaid school employee's EPS; he files case and wins in consumer commission as commission ruled t ...More
EPFO underpaid school employee's EPS; he files case and wins in consumer commission as commission ruled that the correct factor for his period of service was 0.94, but EPFO wrongly applied the 0.85 factor meant for 10 months of service. Know how this employee won the case against Employees' Provident Fund Organisation. ...Less
- Automatic EPF transfer on switching job: Who can access this facility and who will be left out?
The new EPF reforms introduce automatic fund transfers when changing jobs. This facility requires an Aadh ...More
The new EPF reforms introduce automatic fund transfers when changing jobs. This facility requires an Aadhaar-linked and KYC-compliant Universal Account Number for members. Employees in private and exempted EPF organizations will not receive this automatic transfer. Members can check their previous work history on the EPFO portal for verification. Several digital reforms aim to simplify claims and improve member services. ...Less
- No proposal to utilise unclaimed LIC, EPFO funds for other purposes: Govt
Unclaimed insurance funds over ten years go to the Senior Citizen Welfare Fund. Life Insurance Corporatio ...More
Unclaimed insurance funds over ten years go to the Senior Citizen Welfare Fund. Life Insurance Corporation of India holds unclaimed amounts totaling over seven thousand crore rupees. Inoperative Employees Provident Fund accounts contained over nine thousand crore rupees as of March 2026. Both LIC and EPFO are actively working to locate beneficiaries and settle pending claims. Pilot projects are underway for automatic settlement of smaller inoperative EPF accounts. ...Less
- 8th Pay Commission: On demand of Old Pension Scheme by various employee bodies, government says this in Parliament
8th Pay Commission latest news: Central government employee bodies are demanding the Old Pension Scheme's ...More
8th Pay Commission latest news: Central government employee bodies are demanding the Old Pension Scheme's restoration from the 8th Pay Commission. However, the government has stated no such proposal is currently under consideration. Employee unions argue the New Pension Scheme offers insufficient retirement security for many workers. They advocate for the OPS to provide a respectable and sustainable pension for all employees. Several states have previously reverted to the OPS after implementing the NPS. ...Less
- Did you receive 8.25% EPF interest today in your account? Here's how you can check it
Employees Provident Fund Organisation members anticipate receiving 8.25 percent interest today. This inte ...More
Employees Provident Fund Organisation members anticipate receiving 8.25 percent interest today. This interest payment applies to the financial year 2025-2026 for many subscribers. EPFO subscribers can check their updated balances through the UMANG app or SMS. The EPFO member e-Sewa portal also provides access to account details. Interest accrues monthly, ensuring no loss if credit is delayed. ...Less
- EPS pension calculator: How much monthly pension can you get after 10 years of service under EPS 2026?
EPS pension : The central government has implemented the Employees' Pension Scheme 2026. This new scheme ...More
EPS pension : The central government has implemented the Employees' Pension Scheme 2026. This new scheme replaces the Employees' Family Pension Scheme 1971 and EPS 1995. Pension calculation formula remains unchanged while new rules address fund investment and claim delays. ...Less
- Rs 1,800 EPF vs 12% of basic pay: Choosing Rs 1,800 monthly contribution can increase your in-hand salary, but is it worth?
Employees face a choice between higher immediate income and a larger retirement fund. Reducing EPF contri ...More
Employees face a choice between higher immediate income and a larger retirement fund. Reducing EPF contributions increases take-home pay but lowers future savings. Investing saved amounts in equities may offer higher returns over time. A disciplined approach to investing is crucial for long-term financial success. The decision depends on individual financial goals and risk tolerance. ...Less
- Where to invest Rs 10 lakh for maximum advantage: equity, a hybrid instrument or debt?
Financial planning: Investing ten lakh rupees requires aligning financial goals with suitable timeframes. ...More
Financial planning: Investing ten lakh rupees requires aligning financial goals with suitable timeframes. Short-term goals necessitate conservative assets offering high liquidity and capital protection. Medium-term objectives allow for a balanced approach with hybrid and equity fund allocations. Long-term wealth creation benefits from a significant allocation towards diversified equity funds. Investors should also consider tax implications and rebalance portfolios as goals approach. ...Less
- New tax regime: Save up to Rs 65,500 in tax through your employer's NPS contribution; here's how to claim it
Section 80CCD(2) provides a tax deduction for employer contributions to NPS. This benefit remains availab ...More
Section 80CCD(2) provides a tax deduction for employer contributions to NPS. This benefit remains available under the new tax regime for salaried individuals. Private sector employees switching to the new regime find this deduction particularly attractive. Employer contributions lower taxable income and build retirement savings simultaneously. ...Less
- EPFO 3.0: Government plans new pension scheme for formal and unorganised sector workers, claims report explaining how it will work
The government is planning a new pension scheme under the EPFO 3.0 framework. This new plan aims to provi ...More
The government is planning a new pension scheme under the EPFO 3.0 framework. This new plan aims to provide retirement benefits to workers in both formal and unorganised sectors. Members will build a retirement corpus through regular contributions invested in government-backed assets. ...Less
- Techie, who once paid Rs 1 crore tax, breaks down on X after lay off: ‘Thank you…’
A tech professional recently took to X to lament the country’s pitiable social security system. He said t ...More
A tech professional recently took to X to lament the country’s pitiable social security system. He said that even though, once he paid Rs 1 crore in taxes, he was laid off. ...Less
- EPFO Amnesty 2026 Scheme for PF trusts: Eligibility, benefits, application process and key rules
The Employees' Provident Fund Organisation introduced a six-month Amnesty Scheme in 2026. This initiative ...More
The Employees' Provident Fund Organisation introduced a six-month Amnesty Scheme in 2026. This initiative allows employers to regularize their private provident fund trusts. Eligible establishments can either join the EPFO framework or continue as exempted trusts. ...Less
- EPFO launches VISHWAS 2026 scheme: Six-month window offers relief in delayed PF dispute cases; check eligibility
EPFO 2026 scheme: The Employees' Provident Fund Organisation (EPFO) has introduced VISHWAS, 2026, a dispu ...More
EPFO 2026 scheme: The Employees' Provident Fund Organisation (EPFO) has introduced VISHWAS, 2026, a dispute resolution scheme. This initiative offers employers reduced damages for pending Employees' Provident Fund cases. ...Less
- Higher take-home salary or bigger retirement corpus? How the proposed EPF change could affect your future
A government proposal may allow employees to voluntarily reduce their EPF contributions. This change coul ...More
A government proposal may allow employees to voluntarily reduce their EPF contributions. This change could increase immediate take-home salaries for many workers. However, experts caution this might significantly reduce long-term retirement wealth accumulation. The proposal primarily affects employees contributing above the statutory wage ceiling. Employees should carefully consider investment alternatives for any reduced EPF amounts. ...Less
- Is your employer delaying deposit into your NPS? Know how it can impact you
Government departments must remit employee NPS contributions promptly to PFRDA. Delays in crediting NPS c ...More
Government departments must remit employee NPS contributions promptly to PFRDA. Delays in crediting NPS contributions will incur interest charges for employees. This interest will match the Public Provident Fund rate applicable at that time. Officials causing administrative delays face liability for pecuniary losses to the government. Departments must report actions taken regarding these NPS contribution remittance rules. ...Less
- EPF interest credit by July 15, 2026: How to check if 8.25% interest has been credited to your PF account
Employees’ Provident Fund interest for FY 2025-26 will be credited by July 15, 2026. Subscribers will rec ...More
Employees’ Provident Fund interest for FY 2025-26 will be credited by July 15, 2026. Subscribers will receive an 8.25% interest rate on their EPF contributions. This marks the third consecutive year the interest rate remains unchanged. EPFO members can check their balance through the UMANG app or SMS service. Interest accrues monthly, so delays do not cause subscriber losses. ...Less
- EPF withdrawal rules explained: How many times can you withdraw PF for illness, marriage, education, home purchase and special circumstances?
Latest EPF withdrawal rules: EPFO subscribers can withdraw funds for specific needs like illness and educ ...More
Latest EPF withdrawal rules: EPFO subscribers can withdraw funds for specific needs like illness and education. Withdrawals for marriage and housing are permitted up to five times. Special circumstances allow advances twice annually under new guidelines. ...Less
- Name appearing in builder's records showing cash payment: Will you need to pay income tax for such property purchase? Here’s what ITAT said
Can the Income Tax Department tax you based only on papers found during a builder's search? A recent ITAT ...More
Can the Income Tax Department tax you based only on papers found during a builder's search? A recent ITAT ruling explains when third-party documents are not enough and the important rights every property buyer should know. ...Less
- Eps 95 pension latest news today 6 key changes higher pension, 20-day claim settlement, new withdrawal rules
The Employees' Pension Scheme, 2026, introduces significant changes for EPF members. Withdrawal benefits ...More
The Employees' Pension Scheme, 2026, introduces significant changes for EPF members. Withdrawal benefits now require a 36-month waiting period after exit. Existing members will seamlessly continue their coverage under the new scheme. ...Less
- EPF vs VPF under new EPF Scheme 2026: Here's how employee and employer contributions will work
EPFO: The EPF 2026 Scheme largely retains existing EPF contribution rules, with both employees and employ ...More
EPFO: The EPF 2026 Scheme largely retains existing EPF contribution rules, with both employees and employers continuing to contribute 12% of wages, subject to the statutory wage ceiling. It also preserves the VPF framework, allowing employees to make higher voluntary contributions without requiring employers to match them, while offering flexibility to discontinue them later. ...Less
- New EPF Scheme, 2026: What existing and new PF subscribers should know
India's Employees' Provident Fund (EPF) is undergoing a significant modernization with the EPF Scheme, 20 ...More
India's Employees' Provident Fund (EPF) is undergoing a significant modernization with the EPF Scheme, 2026. Existing subscribers will see continuity in their balances and membership, while new entrants will find a clearer framework for contributions and benefits. A key change involves increased flexibility for voluntary contributions, allowing employees to build larger retirement funds. ...Less
- No debt, Rs 5.67 crore net worth at 33. His biggest goal wasn't a luxury car but to retire. Bengaluru CA says it is not about laziness
Bengaluru-based CA Meenal Goel shared a Reddit post by a 33-year-old with a net worth of Rs 5.67 crore, n ...More
Bengaluru-based CA Meenal Goel shared a Reddit post by a 33-year-old with a net worth of Rs 5.67 crore, no debt, and a desire to retire early. Reflecting on the post, she said more people in their 30s are seeking financial independence rather than promotions. According to Goel, the goal isn't escaping work but gaining the freedom to choose how, where, and for whom they work. ...Less
- EPFO update: 10 key changes new centralised system brings to EPF, EPS subscribers
EPFO has centralized its member database for faster and smoother service delivery. Annual interest for FY ...More
EPFO has centralized its member database for faster and smoother service delivery. Annual interest for FY 2025-2026 will be credited by July 15, 2026. Advance withdrawal auto-settlement limits have been raised to Rs 5 lakh. Automatic PF account transfers will occur upon job changes without separate forms. EPFO services are now accessible from any PF office across India. ...Less
- EPF Scheme 2026: Will you get more than 8.25% interest on your PF contributions now? Check EPFO update
A new Employees' Provident Funds Scheme, 2026, has replaced the 1952 version under the Code on Social Sec ...More
A new Employees' Provident Funds Scheme, 2026, has replaced the 1952 version under the Code on Social Security, 2020. The EPF interest rate remains at 8.25% for the financial year 2025-26. While digital services are formally incorporated, private PF trusts now face a cap on their declared interest rates, not exceeding the central government's rate by more than 2%. ...Less
- 8th Pay Commission HRA calculator: Can HRA go up to Rs 1,93,000/month? HRA estimates for Level 14-18 employees at 2.0, 2.1, 2.28, 2.57 fitment factors
8th pay commission calculator: The 8th Pay Commission has concluded its Kolkata meetings and extended the ...More
8th pay commission calculator: The 8th Pay Commission has concluded its Kolkata meetings and extended the employee data submission deadline. Central government employees anticipate salary and allowance increments as the commission prepares its recommendations. House Rent Allowance is a key component which is expected to be revised significantly. Senior government officials at Level 14-18 may see substantial HRA increases based on fitment factors. ...Less
- EPF Scheme 2026 replaces EPF Scheme 1952: Have EPF interest rate, contribution and wage ceiling changed?
EPF Scheme 2026: The Employees' Provident Funds Scheme, 2026, has replaced the 1952 version, bringing the ...More
EPF Scheme 2026: The Employees' Provident Funds Scheme, 2026, has replaced the 1952 version, bringing the EPF under the new Social Security Code. While key benefits like contribution rates and UAN remain unchanged, the new framework emphasizes digital processes and introduces stricter governance for exempted trusts. ...Less
- EPFO claims may take longer for 2 weeks after major system upgrade; members asked to avoid repeated requests
The Employees Provident Fund Organisation has finished a major system upgrade and database consolidation. ...More
The Employees Provident Fund Organisation has finished a major system upgrade and database consolidation. Some EPFO services are temporarily unavailable on the UMANG app due to this migration. ...Less
- EPS pension: Check how much monthly pension you can get after 10–25 years of service under EPS 2026
The Employees' Pension Scheme 2026 has been introduced, replacing older pension plans. This new scheme ma ...More
The Employees' Pension Scheme 2026 has been introduced, replacing older pension plans. This new scheme maintains the existing pension calculation formula for subscribers. Pensionable salary is determined by the average of the last sixty months' earnings. Employees receive a minimum monthly pension of one thousand rupees. Service years are enhanced by two years for those with twenty or more years of contribution. ...Less
- EPF Scheme 2026: Your provident fund is getting simpler, smarter and more digital
India's provident fund system has undergone a significant overhaul with the introduction of the Employees ...More
India's provident fund system has undergone a significant overhaul with the introduction of the Employees' Provident Fund Scheme, 2026, replacing the 1952 version. This modernization prioritizes digital compliance and simplified processes, aligning with new labor codes. Key changes include easier partial withdrawals for members and enhanced governance for employers, aiming for wider social security coverage and improved benefit delivery. ...Less
- Waiver of recovery of excess amount paid to central government employees: Finance Ministry to examine proposal to simplify the process
Central government employees' union requested simpler recovery waivers for excess payments. The DoE secre ...More
Central government employees' union requested simpler recovery waivers for excess payments. The DoE secretary assured examination of these demands with DoPT. Audits often identify past overpayments, leading to salary deductions. NC-JCM argues these are administrative errors, not employee fault. They propose delegating waiver powers to department heads for faster resolution. ...Less
- EPFO portal downtime extended for a day: When will EPF passbook, claims and UAN services be restored?
EPFO services, including online claim submissions and passbook downloads, will be unavailable until July ...More
EPFO services, including online claim submissions and passbook downloads, will be unavailable until July 2 2026, due to a system migration. Members can check their EPF balance via a missed call if their UAN is linked with Aadhaar, PAN, and bank details. ...Less
- EPFO portal still down after July 2 deadline: Here's the latest update on when services will resume for members and employers
EPFO's online services remain inaccessible beyond the scheduled maintenance, frustrating members and empl ...More
EPFO's online services remain inaccessible beyond the scheduled maintenance, frustrating members and employers. A major technology upgrade for better claim processing is underway, but the portal outage continues. Meanwhile, a new EPF Scheme, 2026, has been rolled out, simplifying withdrawals and enhancing digital compliance, though it's not linked to the current system migration. ...Less
- EPS 2026 brings new rules, but has the Rs 1,000 minimum pension changed?
The government has introduced the Employees' Pension Scheme (EPS), 2026, replacing older schemes. The cal ...More
The government has introduced the Employees' Pension Scheme (EPS), 2026, replacing older schemes. The calculation formula for pensions also stays the same, based on pensionable salary and service. ...Less
- 8th Pay Commission latest news: Odisha meetings, Railway inspection plan and other key developments you should know
The 8th Pay Commission is actively consulting stakeholders across India, recently holding discussions in ...More
The 8th Pay Commission is actively consulting stakeholders across India, recently holding discussions in Bhubaneswar and planning for Kolkata. Notably, the commission intends to conduct firsthand inspections of Indian Railways' operations, including track maintenance, signal work, and train control, to better understand employee working conditions and risks before salary revisions. Railway technical supervisors are advocating for broader operational inspections to ensure a comprehensive review. ...Less
- EPFO upgrades unified member portal: UAN activation, generation through portal discontinued; here's how you can do it now
The EPFO's unified member portal is now live after an upgrade, bringing a new look and significant change ...More
The EPFO's unified member portal is now live after an upgrade, bringing a new look and significant changes. Key services like UAN activation and direct allotment have moved to the UMANG app, utilizing Aadhaar-based Face Authentication. While UAN retrieval is simplified on the portal, death claim filing remains accessible. This update aims for faster, more secure services for all users. ...Less
- ITR filing 2026: Rs 15 lakh, Rs 20 lakh, and Rs 25 lakh salary; how much tax you could pay under new vs old tax regime?
Salaried employees face a crucial tax decision between old and new regimes. The new tax regime offers low ...More
Salaried employees face a crucial tax decision between old and new regimes. The new tax regime offers lower tax liability across various income levels. However, substantial deductions can make the old tax regime more beneficial. Taxpayers should calculate their actual tax under both systems. This ensures the most tax-efficient choice for their financial situation. ...Less
- EPFO's new social security rules tighten claim timelines, mandate digital compliance
New social security schemes under the Code on Social Security are now in effect, prioritizing digital com ...More
New social security schemes under the Code on Social Security are now in effect, prioritizing digital compliance and faster claim settlements for provident fund, pension, and insurance. EPFO officials face a 12% annual penal interest for delays exceeding 20 days without valid reasons. Contribution structures remain unchanged, with a focus on enhancing online access for members and extending digital requirements to exempted establishments. ...Less
- EPFO's New PF Rules Explained: Faster withdrawals, three-day settlement and other key changes
EPFO Rule Changes Explained: The Centre has revamped EPF rules, promising faster claim settlements within ...More
EPFO Rule Changes Explained: The Centre has revamped EPF rules, promising faster claim settlements within three days for withdrawals and 20 days for pension and insurance. Penalties for delays and a largely paperless system are introduced. Employees can now withdraw 75% of their PF balance upon job loss and access funds for illness, education, and marriage with reduced service requirements. Full withdrawals are also permitted earlier, offering greater financial flexibility. ...Less
- PPF interest rate for July-September 2026: Has government changed 7.1% rate? Here's what investors should know
PPF interest rate: The Finance Ministry has maintained the Public Provident Fund (PPF) interest rate at 7 ...More
PPF interest rate: The Finance Ministry has maintained the Public Provident Fund (PPF) interest rate at 7.10% for the July-September 2026 quarter, keeping it unchanged from the previous period. ...Less
- New EPFO rules mandate 3-day PF settlements, simplify withdrawals
Government revamps EPFO rules, mandating PF claim settlements within three days and imposing a 12% penal ...More
Government revamps EPFO rules, mandating PF claim settlements within three days and imposing a 12% penal interest on officials for delays. Employees can now withdraw 75% of their PF balance immediately upon job loss. Withdrawal categories are simplified to three: illness, education, and marriage, with reduced service requirements. ...Less
- EPS 2026 replaces EPS-71, EPS-95: What has changed in new EPFO pension scheme and what remains the same
A new Employees' Pension Scheme, 2026, has replaced earlier pension schemes, effective June 29, 2026. Whi ...More
A new Employees' Pension Scheme, 2026, has replaced earlier pension schemes, effective June 29, 2026. While core benefits like the pension formula and contributions remain, key changes include faster pension claim settlements within 20 days and a 12% interest penalty for EPFO delays. ...Less
- EPFO user alert! Claim submission, processing unavailable from June 26-28; UMANG services also affected
EPFO's online portal will be inaccessible for claim submissions and processing from June 26th to June 28t ...More
EPFO's online portal will be inaccessible for claim submissions and processing from June 26th to June 28th, 2026, due to a planned technology upgrade. Services on the Umang app will also be unavailable until July 2nd. This temporary shutdown aims to enhance service delivery and user experience. ...Less
- EPFO services interrupted from June 26-30: Check full list of services unavailable for five days
EPFO services, including its member and employer portals and the UMANG app, will be temporarily unavailab ...More
EPFO services, including its member and employer portals and the UMANG app, will be temporarily unavailable from June 26th to June 30th due to a scheduled system migration. This upgrade aims to enhance service speed, reliability, and security. ...Less
- EPFO: When can you get 8.25% EPF interest amount in your provident fund account?
EPF subscribers can expect their 8.25% interest for FY2025-26 to be credited this month, as the governmen ...More
EPF subscribers can expect their 8.25% interest for FY2025-26 to be credited this month, as the government has officially ratified the rate. This annual interest is calculated on a monthly running balance, ensuring no loss for members even with delayed crediting. Subscribers can easily check their updated balances through the EPFO portal or the Umang app. ...Less
- Investing for your child's future through PPF? Here's what every parent should know before opening a PPF account
Parents can open a Public Provident Fund (PPF) account for their minor children to secure their future, b ...More
Parents can open a Public Provident Fund (PPF) account for their minor children to secure their future, benefiting from compounding over the 15-year maturity period. While the annual contribution limit is ₹1.5 lakh across all minor accounts and the parent's own PPF, it offers tax benefits under the old regime. ...Less
- EPFO 3.0 promises a digital PF experience, but can it fix years of legacy problems?
EPFO 3.0 aims to modernize provident fund services through upgraded technology, faster claim processing, ...More
EPFO 3.0 aims to modernize provident fund services through upgraded technology, faster claim processing, simplified withdrawals, digital record corrections and improved user access. While these reforms promise greater convenience, longstanding issues such as data quality, employer dependence, pension complexities and grievance resolution remain challenges that will require sustained implementation efforts. ...Less
- EPFO: Has Employees' Provident Fund Organisation changed 8.25% EPF interest rate for FY25-26
EPF interest rate: The government has approved an 8.25% interest rate for Employees Provident Fund deposi ...More
EPF interest rate: The government has approved an 8.25% interest rate for Employees Provident Fund deposits for the fiscal year 2025-26. This rate remains unchanged for the third consecutive year. Over seven crore members are expected to receive this credit soon. Members can check their EPF balance through the Umang app, EPF member e-sewa portal, missed calls, or SMS. ...Less
- Cashless health insurance claim rejected? You may still get your claim settled; here’s how
Cashless health insurance claims are often rejected due to documentation or procedural issues, not outrig ...More
Cashless health insurance claims are often rejected due to documentation or procedural issues, not outright denial. Understanding the reasons, like network hospital discrepancies or incomplete paperwork, is crucial. If rejected, policyholders can opt for reimbursement, but prompt follow-up with the insurer and proper documentation are key to resolving issues and ensuring claims are settled. ...Less
- EPF interest rate retained at 8.25% for FY26
Employees' Provident Fund interest rate for 2025-26 is set at 8.25 percent. This rate remains unchanged f ...More
Employees' Provident Fund interest rate for 2025-26 is set at 8.25 percent. This rate remains unchanged for the third year. Over 70 million EPF members will see the interest credited by month-end. EPFO is also introducing UPI-based withdrawals for faster access to funds. ...Less
- Govt ratifies 8.25% EPF interest rate for FY'26, to be credited this month
The government has approved an 8.25% interest rate on Employees' Provident Fund (EPF) deposits for FY26, ...More
The government has approved an 8.25% interest rate on Employees' Provident Fund (EPF) deposits for FY26, clearing the proposal recommended by the Employees' Provident Fund Organisation's (EPFO) Central Board of Trustees in March. The interest is expected to be credited to the accounts of over seven crore EPF subscribers later this month. ...Less
- Will Rs 32 lakh EPF corpus withdrawal be tax-free? Are there better options than withdrawing?
ET Wealth Reader's Query: I contributed to EPF until 2021 while working at an MNC. Since moving to a star ...More
ET Wealth Reader's Query: I contributed to EPF until 2021 while working at an MNC. Since moving to a startup in 2022 that doesn’t offer PF, my EPF account has been inactive. The corpus is about Rs 32 lakh, and I’m considering withdrawing and reinvesting it. Will the withdrawal be tax-free since my total service exceeds five years? Are there better options than withdrawal, such as transferring to NPS? What would be a good long-term investment strategy for this? ...Less
