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While EPF rewards patience and compounds your money, inflation decides how far your money really goes.
EPF doesn't just build your retirement fund -- it also provides free life insurance up to Rs 7 lakh under the EDLI scheme.
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
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.
Who pays what into EPF, EPS, and EDLI -- the 12% math explained.
The 100 per cent withdrawal provision and the 25 per cent minimum balance provision have led to some confusion.
Here's unlocking the real story behind your EPF's 8.25% interest and what it truly means for your retirement kitty.
When and how you can access EPF money before retirement without jeopardising your long-term retirement savings.
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.
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.
The most common mistake is investing without assessing suitability and long-term implications.
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.
'The tragedy underscored 'serious and widespread' weaknesses in the EPFO's monitoring system and its ability to detect and act against defaulting establishments.'
EPF nominations decide inheritance -- here's what happens if you don't file.
Let's decode how EPS works, who qualifies, and how pensions are calculated, using simple examples for different salary levels.
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The Employees' Provident Fund Organisation (EPFO) board has approved liberalised part withdrawals for subscribers, allowing up to 100 per cent EPF withdrawal, and rolled out the 'Vishwas Scheme' to reduce litigation through rationalised penal damages.
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
Ask rediffGURU Reetika Sharma your insurance, mutual fund and personal finance-related questions.
Ask rediffGURU Naveenn Kummar your insurance mutual fund and personal finance-related questions.
'These changes are expected to eliminate many data-entry problems that make the return filing process cumbersome in the current system.'
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
The RBI advisory follows a labour ministry request earlier this year seeking the central bank's expertise to identify gaps in EPFO's investment strategy and fund management practices, including accounting, risk management, and internal governance.
Such issues need to be addressed quickly to ensure your retirement savings are not affected.
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'To encourage the habit of saving, a portion of the incentive will be kept in a savings instrument of deposit account for a fixed period and can be withdrawn by the employee at a later date.'
Ask rediffGURU and PF expert Nitin Narkhede your mutual fund and personal finance-related questions.
Ask rediffGURU and PF and MF expert Janak Patel your mutual fund and personal finance-related questions.
Retirement fund body EPFO on Friday retained an interest rate of 8.25 per cent on employees' provident fund (EPF) deposits for 2024-25, sources said. In February 2024, the Employees' Provident Fund Organisation (EPFO) had increased the interest rate on EPF marginally to 8.25 per cent for 2023-24, from 8.15 per cent in 2022-23.
Cross-check key documents, maximise your deductions, avoid errors, and ensure you get your refund smoothly.
Post your financial planning queries for rediffGURU and financial planning expert, Colonel Sanjeev Govila.
Of the 823,000 new subscribers in January, the share of young people (18 to 25 age group) declined to 57.07% (470,000) from 57.28% (485,066) in the preceding month.
So, the next time someone tempts you with a slightly higher FD rate from a lesser-known bank, point them to hybrid funds that can deliver extra returns without the administrative and emotional rollercoaster.
By June 2025, financial freedom will be just an ATM away. Pleasantly surprised? But there's more, says Ramalingam Kalirajan
Many affluent young people are first-generation wealthy. They have limited financial literacy, lack quality financial guidance or role models, and often fall prey to mis-selling. This makes them hesitant to invest in high-return assets like equities.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
rediffGURU Sunil Lala answers your personal finance-related queries.
Ask rediffGURU and PF expert Milind Vadjikar your insurance, stocks, mutual fund and personal finance-related questions.
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