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- ‘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
- 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 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
- 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: 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 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
- 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
- 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
- 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
- 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 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
- 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
- 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
- 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
- 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
- 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
- ₹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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- ₹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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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: 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
- 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
- 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
- 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
- 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
- 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
- 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
- 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
