EPF Vs SIP: Where Should You Put Your Next Rs 10,000 For Long-Term Wealth?

EPF Vs SIP: Where Should You Put Your Next Rs 10,000 For Long-Term Wealth?

Building a retirement corpus requires consistency, patience and choosing investments that match your financial goals. The Systematic Investment Plan (SIP) and the Employees’ Provident Fund (EPF) are two popular ways of creating a long-term corpus. While EPF is a popular savings option for salaried individuals, SIPs have emerged as an alternative for investors seeking higher…

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EPF Scheme 2026: After Rs 1,800 Mandatory Cap, Should You Reduce PF Contributions To Increase Take-Home Salary?

EPF Scheme 2026: After Rs 1,800 Mandatory Cap, Should You Reduce PF Contributions To Increase Take-Home Salary?

Last Updated:July 03, 2026, 2:05 PM IST While lower PF deductions may boost in-hand pay, experts caution that the decision should not be based solely on the prospect of a higher in-hand salary. The Centre has notified the new Employees’ Provident Fund (EPF) Scheme, 2026, replacing the EPF Scheme, 1952. The new scheme came into…

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Should You Invest More Than Rs 1,800 In EPF? The Smart Maths Between VPF, SIPs, PPF, And NPS

Should You Invest More Than Rs 1,800 In EPF? The Smart Maths Between VPF, SIPs, PPF, And NPS

Last Updated:July 02, 2026, 10:32 PM IST By firmly capping the mandatory employee contribution at 12% of the statutory wage ceiling—or exactly Rs 1,800 per month—the government has unbundled forced retirement savings Investors should adopt a hybrid approach, using the baseline threshold for guaranteed stability while aggressively leveraging equity mutual fund cycles and pension frameworks…

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EPFO Update: How To Check PF Balance, Interest Credit And Employer Contributions

EPFO Update: How To Check PF Balance, Interest Credit And Employer Contributions

The Employees’ Provident Fund Organisation (EPFO) calculates and deposits interest on EPF balances annually. However, the crediting process typically takes place in the following financial year after the Centre approves the interest rate proposed by the EPFO’s Central Board of Trustees (CBT). Interest rate for FY 2025-26 stands at 8.25%. The long-awaited EPF interest payout…

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EPFO Name, Gender Change: List Of 18 Documents PF Members Require To Change Name And Gender In EPF Records

EPFO Name, Gender Change: List Of 18 Documents PF Members Require To Change Name And Gender In EPF Records

New Delhi: Employees Provident Fund Organisation (EPFO) has issued a circular regarding Simplification of joint declaration process- acceptance of Transgender identity certificate/card for change in name and gender. As per the circular, Transgender ID card issued from national portal will now be accepted for name, gender changes in EPF records. The EPFO circular said, “the Competent Authority…

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Aadhaar–UAN Seeding For Filing Of ECR Deadline Over; Govt Says No Further Extension To Be Given

Aadhaar–UAN Seeding For Filing Of ECR Deadline Over; Govt Says No Further Extension To Be Given

New Delhi: The Employees Provident Fund Organisation has issued circular regarding discontinuation of extension of timeline for mandatory Aadhaar Seeding with UAN for filing of ECR in respect of Establishments in the North East Region and Certain Classes of Establishments beyond 31 October 2025. The mandatory requirement for filing Electronic Challan-cum-Return (ECR) only for those…

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Enrolment For New EPFO Scheme Begins; Deadline Ends On 30 April 2026: Check Eligibility And Other Details

Enrolment For New EPFO Scheme Begins; Deadline Ends On 30 April 2026: Check Eligibility And Other Details

New Delhi: The Ministry of Labour & Employment has recently launched the Employees’ Enrolment Scheme – 2025. This scheme is a special initiative of the Government of India to promote voluntary compliance and extend social security coverage to all eligible employees. Employees’ Enrolment Scheme – 2025  Deadline The Scheme shall remain open for six months,…

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