A member must generally have completed 12 months of EPF membership to use the facility.
EPF wage ceiling rising to Rs 25,000 could increase employer statutory contributions by Rs 1,200 monthly per employee.
The EPF should remain a retirement nest egg, not be turned into an emergency fund.
For members, the message is simple: don't be misled by headlines about '100% withdrawal'. The basic purpose of the EPF remains unchanged -- to help employees build a financial cushion for retirement while allowing limited access to savings for genuine needs during their working lives.
The Indian government has ratified an 8.25 per cent interest rate on Employees' Provident Fund (EPF) deposits for the financial year 2025-26, with over seven crore contributing members expected to see this credited to their accounts this month.
The Union Cabinet has approved a significant increase in the mandatory EPFO wage ceiling from Rs 15,000 to Rs 25,000 per month, a move expected to bring over 51 lakh additional employees under mandatory social security coverage.
'Your retirement corpus isn't just a big pile of cash for 'one day' -- it is the salary you pay yourself when you no longer want to go to work.'
Members should review their nomination after marriage, childbirth, or other changes in family circumstances. They can file a fresh e-signed nomination to replace an earlier one.
'We see a lot of cases of bank deposits getting lost, especially when people die, so this will help address that because you have one consolidated view.'
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
While EPF rewards patience and compounds your money, inflation decides how far your money really goes.
Millions of EPFO subscribers can now check whether 8.25% annual interest for FY2025-26 has been credited to their provident fund accounts.
Most Indian investors start their investment journey with the wrong question. They ask, "Which fund will give the highest return?" instead of "How do I structure my investments so that I pay less tax, manage risk effectively, and still compound wealth over time?"
Urban Indian millennials are caught in an algorithmically amplified consumption spiral where social media normalises spending patterns that systematically undermine retirement security.
EPFO said the measure could substantially improve retirement outcomes with nearly half its members expected to see an increase of up to 35 times in their old-age savings.
The Employees' Provident Fund Organisation (EPFO) has decided to maintain the interest rate on employees' provident fund (EPF) deposits at 8.25 per cent for the fiscal year 2025-26, marking the second consecutive year at this rate.
EPF doesn't just build your retirement fund -- it also provides free life insurance up to Rs 7 lakh under the EDLI scheme.
India's Code on Wages mandates strict payout deadlines, two-day full and final settlements, universal wage coverage and capped deductions to safeguard employees and enhance payroll transparency nationwide.
Who pays what into EPF, EPS, and EDLI -- the 12% math explained.
If you have ever said 'I'll sort retirement later,' now is when 'later' begins.
Your EPF isn't just a retirement pot. It's a financial safety net you can dip into for life's biggest needs. Here's how these one-time advances work and when to use them wisely.
Behind the aesthetics of an entrepreneurial lifestyle lies a silent financial crisis that nobody is talking about: Freelancers are sprinting toward a retirement brick wall.
When and how you can access EPF money before retirement without jeopardising your long-term retirement savings.
Here's unlocking the real story behind your EPF's 8.25% interest and what it truly means for your retirement kitty.
India's largest retirement fund manager, the Employees' Provident Fund Organisation (EPFO), is enhancing its investment governance and fund management practices, following the Reserve Bank of India's recommendations.
The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
The Employees' Provident Fund Organisation (EPFO) will soon allow subscribers to withdraw their EPF and transfer it directly to their bank accounts through the UPI payment gateway. Testing of the facility has been completed, according to Labour Minister Mansukh Mandaviya.
A 10-part series that explains all you want to know about how India's EPF turns a slice of your monthly salary into long-term savings, pension, and life insurance.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
EPFO has simplified PF withdrawals -- fewer rules, faster access, and more flexibility -- while introducing safeguards that make it harder to drain your retirement savings too early.
Of course, NOT! Here's why. And here's how you can increase your Rs 1 crore retirement corpus.
Rising stressed debt and past exposures like Reliance Capital, Yes Bank push EPFO to frame exit rules for its portfolio.
Life cycle funds may suit people who are starting their investing journey. They may suit those who do not want to monitor their investments frequently. Busy professionals, beginners and delegators, who lack the time, information or interest to manage asset allocation actively, may find these funds useful.
Retirement fund body EPFO has extended the deadline for filing EPF return or ECR (electronic challan-cum-return) by one week for the wage month of September till October 22, 2025. The employers are mandated to file the ECR by the 15th of every month.
From the financial year 2025-2026, the government has introduced a new column in the tax return form for presumptive taxpayers, requiring them to disclose their year-end investments. This requirement was not present last year.
Isn't the goal of retirement planning to create a balanced portfolio that aligns with your financial goals, rather than chasing returns blindly, asks Ramalingam Kalirajan
The most common mistake is investing without assessing suitability and long-term implications.
EPF nominations decide inheritance -- here's what happens if you don't file.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
