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When it comes to retirement planning, salaried employees often think they have to choose between EPF and NPS. But it does not have to be an either-or decision. Eligible employees can have both EPF and NPS, allowing them to build retirement savings through two different avenues. While EPF is linked to your salary and employer,…
Last Updated:September 21, 2026, 11:04 IST Experts say the most immediate impact will be felt by employees earning between Rs 15,000 and Rs 25,000 a month. For an employee at Rs 20,000, for instance, the 12% employee contribution translates to roughly Rs 2,400 less in hand every month, or nearly Rs 28,800 over a year….
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…
Last Updated:July 24, 2026, 1:45 PM IST The Employees’ Provident Fund Organisation (EPFO) credits the annual interest for FY2025-26 into members’ provident fund (PF) accounts. If the interest is still not reflected after the update process is completed, you can raise a grievance through the EPFiGMS portal or contact your employer or the nearest EPFO…
Last Updated:July 15, 2026, 5:31 PM IST Individuals opting for the old regime can claim deductions for investments made in PPF, EPF and NPS under Section 80C. Income Tax Return Filing 2026. ITR Filing 2026: As the income tax return (ITR) filing season for the assessment year (AY) 2026-27 is going on, taxpayers are revisiting…
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…
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…
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…
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…
New Delhi: The Employees’ Provident Fund Organisation (EPFO) on Thursday urged employers to avail of its special enrolment scheme which provides a six-month compliance window to voluntarily enrol eligible employees who were left out of EPF coverage in the earlier period from July 1, 2017 to October 31, 2025. EPFO has launched the Employees’ Enrolment…