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aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://www.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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title="Employee Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex 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Fund">PPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold "> Provident Fund (PF)</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is Provident Fund?</h2><p class="text-base ">A <strong>Provident Fund</strong> (PF) is a savings scheme where both employees and employers contribute a portion of the salary for the employee鈥檚 future. The fund accumulates interest over time and is typically used for retirement or emergencies. In India, the Employee Provident Fund (EPF) is managed by the government for employees in the organized sector.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl"></span></div><div class="flex flex-col gap-1"><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><p class="text-base ">Every individual makes investments to grow their savings, receive a steady income after retirement, and secure the future of their family.</p><p class="text-base ">A <strong>P</strong><strong>rovident Fund</strong> (PF) is a voluntary investment fund that helps individuals in achieving their financial goals.</p><p class="text-base ">This government-managed retirement savings scheme enables employees to contribute a portion of their income towards this pension fund on a monthly basis.</p><p class="text-base ">These monthly contributions grow and are conveniently available as a lump sum payment upon retirement or termination of employment. The PF amount is a significant portion of your assets so it helps in expanding your retirement corpus fast.</p></div><div><div class="flex flex-col gap-1"><p class="text-base ">The Central Board of Trustees (CBT), formed by the Central Government regulates and manages the Employees' Provident Fund (<a href="/saving-schemes/epf.html" target="_blank">EPF</a>). This Board comprises employers, employees, and government representatives.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Features and Benefits of Provident Fund</h2><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/employee-provident-fund.webp" alt="Employee Provident Fund" title="Employee Provident Fund" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div><p class="text-base "><strong>The features and benefits of the provident fund are as follows:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The EPF can serve as an emergency corpus during an unexpected financial crisis.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">It provides a retirement corpus thereby instilling a sense of financial security.</li><li class="pt-1 pb-1">It is one of the most popular <a href="/tax/tax-saving-schemes.html" target="_blank">tax-saving instruments</a>.</li><li class="pt-1 pb-1">Investing a large amount of money is not required. A portion of the employee鈥檚 salary is deducted regularly enabling them to save a substantial amount of money over time.</li><li class="pt-1 pb-1"><a href="/tax/deductions-under-80c.html" target="_blank">Section 80C of the Income Tax Act</a> applies to the employee鈥檚 provident fund. Thus, an employee鈥檚 provident fund contribution is tax-free.</li><li class="pt-1 pb-1">In the EPF India scheme, a fixed interest rate is available. The EPF receives interest even while it is dormant.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">An employee can transfer their EPF corpus from one employer to another when switching jobs.</li><li class="pt-1 pb-1">The EPF has assisted in reducing the claim settlement period from 20 days to three days.</li></ol><h2 class="text-lg font-bold pt-5">Eligibility Criteria for Employee鈥檚 Provident Fund</h2><p class="text-base "><strong>The eligibility conditions to enrol in the EPF scheme are mentioned below:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">A salaried employee with a monthly income below Rs.15,000 must register under the EPF scheme.</li><li class="pt-1 pb-1">A salaried employee with a monthly income above Rs.15,000 will require permission from the Assistant PF Commissioner to enrol in the EPF scheme.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">An organisation that has less than 20 employees can voluntarily register for EPF.</li><li class="pt-1 pb-1">It is mandatory for an organisation that has 20 or more employees to register for the EPF scheme.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Types of Provident Fund</h2><p class="text-base "><strong>Here are the three types of provident funds:</strong></p><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>General provident fund:</strong> The general provident fund is managed by government entities such as the railways, local authorities, etc.</li><li class="pt-1 pb-1"><strong>Public provident fund:</strong> The public provident fund is a long-term investment that provides attractive returns on the investment. It comes with a lock-in period of five years. This type of <a href="/saving-schemes/all-about-the-employee-pf-account-number.html" target="_blank">PF account</a> can be opened with a minimum investment of Rs.500 and a maximum of Rs.1.5 lakh per year.</li><li class="pt-1 pb-1"><strong>Recognised provident fund:</strong> Privately-owned organisations with more than 20 employees use the recognised provident fund. If you have a valid claim to the PF connected with your company, you will be assigned a Universal Account Number (<a href="/saving-schemes/uan.html" target="_blank">UAN</a>). This allows you to transfer your PF money from one employer to another if you change jobs.</li></ul><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Schemes Under EPFO</h2><p class="text-base ">EPFO, which stands for the Employees' Provident Fund Organisation, is a non-constitutional body that encourages employees to save funds for their retirement. Established in 1951, EPFO operates under the governance of the Ministry of Labour and Employment. It provides schemes that cater to both Indian and international workers.</p><p class="text-base "><strong>EPFO offers the following three schemes:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Employees' Provident Funds Scheme 1952 (EPF)</li><li class="pt-1 pb-1">Employees' Pension Scheme 1995 (<a href="/saving-schemes/guide-to-understanding-the-employee-pension-scheme.html" target="_blank">EPS</a>)</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Employees' Deposit Linked Insurance Scheme 1976 (<a href="/saving-schemes/employees-deposit-linked-insurance-scheme.html" target="_blank">EDLI</a>)</li></ol><h2 class="text-lg font-bold pt-5">Key Objectives</h2><p class="text-base "><strong>EPFO has the following key objectives:</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Facilitating Single EPF Account:</strong> Ensuring that every employee maintains only one EPF account throughout their employment.</li><li class="pt-1 pb-1"><strong>Simplifying Compliance: </strong>Making compliance with <a href="/saving-schemes/pf-withdrawal-rules.html" target="_blank">EPFO rules</a> and regulations as simple and user-friendly as possible for organizations.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Ensuring Rule Adherence: </strong>Ensuring that organizations consistently follow and comply with all the rules and regulations set forth by EPFO.</li><li class="pt-1 pb-1"><strong>Enhancing Online Services:</strong> Enhancing the reliability and accessibility of EPFO's internet services, providing members with convenient online access to their accounts.聽</li><li class="pt-1 pb-1"><strong>Expedited Claim Settlement:</strong> Reducing the time taken for claim settlements from the current 20 days to a significantly faster duration of 3 days.</li><li class="pt-1 pb-1"><strong>Encouraging Voluntary Compliance: </strong>Promoting and encouraging voluntary compliance among employers and employees to foster better adherence to EPFO guidelines.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Provident Fund Contribution</h2><p class="text-base "><strong>The contribution made by the employee and employer are mentioned in the table below:</strong></p><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><thead class="[&_tr]:border-b font-bold"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base "><strong>Contribution made by聽</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l bg-secondary hover:bg-secondary text-white p-2" colSpan="1"><p class="text-base ">Contribution per month</p></td></tr></thead><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Employee</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">10% or 12%聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Employer</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">12%聽</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Total Contribution聽</p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">24%聽</p></td></tr></tbody></table></div><h2 class="text-lg font-bold pt-5">UAN and EPFO Portal</h2><p class="text-base ">UAN and <a href="https://www.epfindia.gov.in/site_en/index.php" target="_blank" rel="nofollow">EPFO Portal</a> play a crucial role in providing convenient online access to EPF subscribers' accounts. EPFO provides all its subscribers with online access to their PF accounts, enabling them to perform various operations such as withdrawals and checking their EPF balance.</p><p class="text-base ">To streamline the process, <a href="/saving-schemes/epf.html" target="_blank">EPFO</a> assigns a unique 12-digit number called the Universal Account Number (UAN) to each member. The UAN remains the same even if an employee switches employers. The UAN simplifies access to the EPFO member portal. When an employee changes jobs, their member ID may change, but it is linked to the UAN. However, employees need to activate their UAN in order to utilize the online services provided by EPFO.</p><h2 class="text-lg font-bold pt-5">EPF Interest</h2><p class="text-base ">The EPF scheme offers a pre-fixed rate of interest of <strong>8.25%</strong> for the financial year <strong>2024-25</strong>. The interest earned on investments in a PF online account is tax-free. The interest is credited only to the operative PF accounts of employees who are yet to retire. However, the interest accrued on such accounts is taxable based on the employee member's EPF tax slab.</p><p class="text-base ">It's important to note that the share contributed towards the Employees' Pension Scheme does not earn interest. However, members are entitled to receive a pension from the accumulated sum after they reach the age of 58.</p><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">EPF Calculation</h2><p class="text-base ">The EPF calculator is a tool used to estimate the amount that will be available in your EPF account upon retirement. It calculates the lump-sum amount, including your contributions, your employer's contributions, and the accrued interest on investments.</p><p class="text-base ">The calculator requires inputs such as your current age, basic monthly pay, dearness allowance, EPF contribution, retirement age (up to 58 years), and, optionally, the current EPF balance. Based on the information, it will then provide an estimate of the EPF funds available at retirement.</p><h2 class="text-lg font-bold pt-5">Calculation of EPF Interest</h2><p class="text-base ">The <a href="/saving-schemes/epf-interest-rate-trends-in-india.html" target="_blank">interest on EPF</a> schemes is calculated monthly by dividing the annual interest rate by 12.</p><p class="text-base "><strong>For example:</strong> If the annual interest rate is 8.25%, the monthly interest rate would be (8.25/12)%, which is 0.69%. Assuming an individual's salary is Rs. 15,000 per month, with a 12% contribution directed towards the EPF account:</p><p class="text-base ">The contribution towards the EPF account would be 12% of Rs. 15,000, which is Rs. 1,800 per month.</p><p class="text-base ">Employers contribute 3.67% towards the EPF account, while 8.5% is contributed towards the EPS account.</p><p class="text-base ">The total contribution towards the EPF account would be Rs. 1,800 + Rs. 550 = Rs. 2,350.</p><p class="text-base ">The interest accrued in one month would be Rs. 2,350 x 0.69% = Rs. 16.2.</p><p class="text-base ">It's important to note that the interest accrued in a given month is credited to the account at the end of the current financial year.</p><h2 class="text-lg font-bold pt-5">How to Transfer EPF Money</h2><p class="text-base "><strong>Step 1: </strong>When changing jobs, EPF money can be transferred using the same Universal Account Number (UAN).</p><p class="text-base "><strong>Step 2: </strong>Visit the official EPF member portal and complete the registration form.</p><p class="text-base "><strong>Step 3: </strong>Once you have received your login credentials, log in to the portal.</p><p class="text-base "><strong>Step 4: </strong>Access the Online Transfer Claim Portal and initiate an EPF transfer using the same login details.</p><p class="text-base "><strong>Step 5: </strong>If you meet the eligibility criteria for an online transfer claim, you can proceed without submitting Form 13.</p><p class="text-base "><strong>Step 6: </strong>Choose the option '<strong>Request for Transfer of Funds</strong>' and provide the required details of your previous employment as instructed.</p><p class="text-base "><strong>Step 7: </strong>Ensure that your previous or current employer authenticates the transfer request.</p><p class="text-base "><strong>Step 8: </strong>Upon submission, a PIN will be sent to your registered mobile number for verification.</p><p class="text-base "><strong>Step 9: </strong>Keep track of your application using the provided tracking ID.</p><h2 class="text-lg font-bold pt-5">EPF Withdrawal Rules</h2><p class="text-base "><strong>EPF allows individuals to make partial or complete withdrawals, but such withdrawals are subject to specific circumstances.</strong></p><h2 class="text-lg font-bold pt-5">Complete Withdrawal:</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Retirement:</strong> Individuals can withdraw EPF completely upon retirement.</li><li class="pt-1 pb-1"><strong>Extended Unemployment:</strong> If the period of unemployment exceeds two months, complete withdrawal is allowed.</li><li class="pt-1 pb-1"><strong>Job Switching:</strong> Complete withdrawal is permitted when transitioning between professions or jobs, provided the duration without a job is more than two months.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Partial Withdrawal:</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Wedding Expenses: </strong>Partial withdrawal is allowed for wedding-related expenses.</li><li class="pt-1 pb-1"><strong>Higher Education: </strong>EPF can be partially withdrawn for funding higher education.</li><li class="pt-1 pb-1"><strong>Land Purchase or House Construction: </strong>Partial withdrawal is permitted for purchasing land or constructing a house.</li><li class="pt-1 pb-1"><strong>Home Loan Repayment:</strong> EPF can be partially withdrawn for the repayment of a home loan.</li><li class="pt-1 pb-1"><strong>Housing Property Renovation: </strong>Partial withdrawal is allowed for renovating a housing property.</li></ol><h2 class="text-lg font-bold pt-5">EPF Taxation</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>EPF Withdrawals: </strong>If EPF is withdrawn before the completion of five years of employment, it is subject to taxation. However, PPF withdrawals are not taxed.</li><li class="pt-1 pb-1"><strong>Tax Deduction: </strong>EPF contributions made by both the employer and the employee are eligible for tax deduction up to Rs. 1.5 lakh per year under Section 80C of the Income Tax Act. The interest earned on EPF is also tax-free unless the individual becomes unemployed.</li><li class="pt-1 pb-1"><strong>Tax-Free Withdrawals:</strong> EPF withdrawals made within five years of opening the account are tax-free. However, if the withdrawal amount exceeds Rs. 50,000 within five years, TDS is deducted.</li><li class="pt-1 pb-1"><strong>PPF Tax Benefits:</strong> PPF account investments up to Rs. 1.5 lakh per year qualify for a tax credit under <a href="/tax/deductions-under-80c.html" target="_blank">Section 80C</a> of the Income Tax Act. The interest earned on PPF is tax-free, but it must be reported in the annual income tax return. The maturity amount from <a href="/saving-schemes/ppf.html" target="_blank">PPF</a> is also tax-free. In other words, PPF follows a tax-exempt, exempt, exempt (EEE) status.</li></ol><h2 class="text-lg font-bold pt-5">Withdrawal Process of EPF</h2><p class="text-base ">EPF members in India can withdraw their EPF funds through either an offline or online process.</p><h2 class="text-lg font-bold pt-5">Offline Withdrawal Process:</h2><p class="text-base "><strong>Step 1:</strong> Fill up the '<strong>New Composite Claim Form</strong>' or '<strong>Composite Claim Form</strong>' and submit it to the EPFO office that has jurisdiction over your account.</p><p class="text-base "><strong>Step 2: </strong>Your employer must attest to the composite claim form.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div><h2 class="text-lg font-bold pt-5">Online Withdrawal Process:</h2><p class="text-base "><strong>Step 1:</strong> Make sure that you have an active <a href="https://www.bankbazaar.com/saving-schemes/uan.html" target="_blank">Universal Account Number</a> (UAN).</p><p class="text-base "><strong>Step 2: </strong>Verify that the mobile number linked to the UAN is active as well.</p><p class="text-base "><strong>Step 3: </strong>Link your UAN with Aadhaar and provide your PAN and bank details along with the IFSC code.</p><p class="text-base "><strong>Step 4:</strong> Log in to the UAN online portal once all the prerequisites are met.</p><p class="text-base "><strong>Step 5:</strong> Verify your KYC details and follow the instructions provided to proceed with the withdrawal process.</p><h2 class="text-lg font-bold pt-5">EPFO Grievance Information:</h2><p class="text-base ">Employees who wish to register a grievance with EPFO can do so through the EPFO's member site by filling out a grievance registration form. Employees often file complaints regarding withdrawals, PF settlements, account transfers, pension settlements, and other related issues.</p><p class="text-base "><strong>If you are new to the EPF member website, follow these steps to register an EPF grievance:聽</strong></p><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Visit <a href="https://epfigms.gov.in/" target="_blank" rel="nofollow">https://epfigms.gov.in/</a> to access the EPFO grievance site.聽</li><li class="pt-1 pb-1">Click the '<strong>Register Grievance</strong>' button on the top bar.聽</li><li class="pt-1 pb-1">The grievance registration form will appear on the screen.聽</li><li class="pt-1 pb-1">Fill out the registration form with the following details:聽</li></ul><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Select your current situation (employer, employee, EPS pensioner).聽</li><li class="pt-1 pb-1">Enter your<a href="https://www.bankbazaar.com/saving-schemes/all-about-the-employee-pf-account-number.html" target="_blank"> PF account number.</a></li><li class="pt-1 pb-1">Provide the address of your regional EPF office.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Enter your employer's name, address, and other relevant details.聽</li><li class="pt-1 pb-1">Provide your personal information, including your name, address, zip code, country, email address, and phone number.聽</li></ol><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Choose the nature of your grievance from the drop-down menu, whether it's related to a transfer, withdrawal, pension settlement, or any other issue.聽</li><li class="pt-1 pb-1">Upload your grievance letter, complete the captcha, and finalize the grievance registration process.聽</li></ul><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div></div><h2 class="text-lg font-bold pt-4">FAQs on PF- Provident Fund</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Who is eligible for PF?</strong><p class="text-base ">聽 EPF is available to all salaried employees. However, it is mandatory for a salaried employee with a monthly income below Rs.15,000 to register under the EPF scheme.聽</p></li><li class="pt-1 pb-1"><strong>Is there a maximum contribution to EPF? </strong><p class="text-base ">The maximum contribution from employers and employees is 12% of the basic salary of the employee. However, you can increase your contributions to the PF account if you make Voluntary Provident Fund (VPF) contributions.</p></li><li class="pt-1 pb-1"><strong>Can I check my PF balance online?</strong><p class="text-base ">Yes, you can check your PF balance online.</p></li><li class="pt-1 pb-1"><strong>Can I join the Pension Scheme without first contributing to the EPF? </strong><p class="text-base ">No, you can join the Pension Scheme only after you become a member of the EPF.聽</p></li><li class="pt-1 pb-1"><strong>Is registering for PF mandatory if I earn less than Rs.15,000 per month? </strong><p class="text-base ">Yes, your employer must open an EPF account for you if you earn a monthly income of less than Rs.15,000 per month (basic + dearness allowance).</p></li><li class="pt-1 pb-1"><strong>Can I opt-out of schemes under the EPF act?</strong><p class="text-base ">聽 If you have never joined the EPF and receive a basic salary of more than Rs.15,000, you may opt-out of the scheme. However, you cannot opt-out of the scheme after you become a member.聽聽</p></li><li class="pt-1 pb-1"><strong>Can an employer deduct the employer's contribution to EPF from employees' wages?</strong><p class="text-base ">No, an employer cannot take the employer's contribution to EPF from employees' wages. Any such deduction is a criminal offence punishable by imprisonment for a term of up to three years, but not less than one year, and a penalty of Rs.10,000 under Section 14(1A) of the Act.聽</p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Who is eligible for PF?","acceptedAnswer":{"@type":"Answer","text":"  EPF is available to all salaried employees. However, it is mandatory for a salaried employee with a monthly income below Rs.15,000 to register under the EPF scheme. ."}},{"@type":"Question","name":"Is there a maximum contribution to EPF? ","acceptedAnswer":{"@type":"Answer","text":"The maximum contribution from employers and employees is 12% of the basic salary of the employee. However, you can increase your contributions to the PF account if you make Voluntary Provident Fund (VPF) contributions."}},{"@type":"Question","name":"Can I check my PF balance online?","acceptedAnswer":{"@type":"Answer","text":"Yes, you can check your PF balance online."}},{"@type":"Question","name":"Can I join the Pension Scheme without first contributing to the EPF? ","acceptedAnswer":{"@type":"Answer","text":"No, you can join the Pension Scheme only after you become a member of the EPF. ."}},{"@type":"Question","name":"Is registering for PF mandatory if I earn less than Rs.15,000 per month? ","acceptedAnswer":{"@type":"Answer","text":"Yes, your employer must open an EPF account for you if you earn a monthly income of less than Rs.15,000 per month (basic + dearness allowance)."}},{"@type":"Question","name":"Can I opt-out of schemes under the EPF act?","acceptedAnswer":{"@type":"Answer","text":"  If you have never joined the EPF and receive a basic salary of more than Rs.15,000, you may opt-out of the scheme. However, you cannot opt-out of the scheme after you become a member.  ."}},{"@type":"Question","name":"Can an employer deduct the employer's contribution to EPF from employees' wages?","acceptedAnswer":{"@type":"Answer","text":"No, an employer cannot take the employer's contribution to EPF from employees' wages. Any such deduction is a criminal offence punishable by imprisonment for a term of up to three years, but not less than one year, and a penalty of Rs.10,000 under Section 14(1A) of the Act. ."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2">News on PF</h2><div class="flex flex-col gap-2.5"><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">15.5 Lakh Net Members Added to EPFO in February </h3></div><div class="p-2.5"><p class="text-base ">According to data released on 20 April 2024, the Employees Provident Fund Organisation (EPFO) witnessed a notable surge of 15.5 lakh net members in February, with nearly 7.8 lakh being newcomers. A significant observation from the data is the dominance of the 18-25 age group, constituting 56.4% of the total new members added in February. This trend suggests that a majority of those entering the organised workforce are young individuals, primarily first-time job seekers, as highlighted in an official statement. Additionally, the payroll data revealed that approximately 11.8 lakh members exited and subsequently rejoined EPFO, indicating job transitions among EPFO-covered employees. Rather than opting for final settlements, these members transferred their accumulations, ensuring long-term financial stability and extending their social security protection.聽</p><div class="text-end px-2.5 py-1">22 April 2024</div></div></div></div><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">EPFO Enhances Benefits for Subscribers </h3></div><div class="p-2.5"><p class="text-base ">In a circular issued on 16 April 2024, the Employees' Provident Funds Organisation (EPFO) announced an increase in the threshold for automatic claims processing under Paragraph 68J, raising it from Rs. 50,000 to Rs. 1 lakh. Effective on 10 April 2024, this adjustment allows EPF subscribers to seek advances for medical expenses for themselves and their dependents under Paragraph 68-J of the EPF Scheme. Advances can be requested for situations like prolonged hospital stays or major surgeries without the need for additional documentation like proforma or medical certificates. Without the previously required medical certification, physically impaired members can also request advances under Paragraph 68-N. The maximum advance amount under both Paragraphs 68-J and 68-N is determined based on factors such as basic pay, dearness allowance, personal contribution, or equipment cost, whichever is lower.聽</p><div class="text-end px-2.5 py-1">18 April 2024</div></div></div></div></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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aria-label="Experian">Experian</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-score.html" title="CIBIL Score" aria-label="CIBIL Score">CIBIL Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-credit-report.html" title="CIBIL Report" aria-label="CIBIL Report">CIBIL Report</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/cibil-score-calculation.html" title="CIBIL Score Calculation" aria-label="CIBIL Score Calculation">CIBIL Score Calculation</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/how-to-improve-cibil-credit-score.html" title="How to Improve Credit Score" aria-label="How to Improve Credit Score">How to Improve Credit Score</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/cibil/credit-monitoring.html" title="How to Monitor Credit Score" aria-label="How to Monitor Credit Score">How to Monitor Credit Score</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Personal Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-personal-loan.html" title="Axis Personal Loan" aria-label="Axis Personal Loan">Axis Personal Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/instant-loans.html" title="Instant Loans" aria-label="Instant Loans">Instant Loans</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold 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aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/hdfc-fixed-deposit.html" title="HDFC Fixed Deposit" aria-label="HDFC Fixed Deposit">HDFC Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/axis-fixed-deposit.html" title="Axis Fixed Deposit" aria-label="Axis Fixed Deposit">Axis Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/post-office-fixed-deposit-rate.html" title="Post Office Fixed Deposit" aria-label="Post Office Fixed Deposit">Post Office Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/senior-citizen-fixed-deposit.html" title="Senior Citizen Fixed Deposit" aria-label="Senior Citizen Fixed Deposit">Senior Citizen Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/5years-fd-interest-rates.html" title="5 Years FD Interest Rates" aria-label="5 Years FD Interest Rates">5 Years FD Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/monthly-income-scheme.html" title="Monthly Income FD Schemes" aria-label="Monthly Income FD Schemes">Monthly Income FD Schemes</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Calculator:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/calculators.html" title="All Finance Calculators" aria-label="All Finance Calculators">All Finance Calculators</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li></ul></div></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Learn More:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/credit-cards/" title="Credit Cards" aria-label="Credit Cards">Credit Cards</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/yes-bank-bankbazaar-finbooster-credit-card/" title="Credit Card Offers" aria-label="Credit Card Offers">Credit Card Offers</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/investment/" title="Investments" aria-label="Investments">Investments</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://blog.bankbazaar.com/category/money-management/" title="Money Management" aria-label="Money Management">Money Management</a></li></ul></div><div class="items-center flex justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Others:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/tax.html" title="Income Tax" aria-label="Income Tax">Income Tax</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/ifsc-code.html" title="Bank IFSC Code" aria-label="Bank IFSC Code">Bank IFSC Code</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/indian-holiday-calendar.html" title="Indian Holidays" aria-label="Indian Holidays">Indian Holidays</a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li></ul></div><div data-orientation="horizontal" role="none" class="shrink-0 bg-slate-200 dark:bg-slate-800 h-[1px] w-full my-4"></div><div class="items-start flex justify-center gap-4 p-2.5"><div class="items-center flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Mobile Apps:</p><ul class="flex gap-2.5"><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Google play" target="_blank" aria-label="Google play"><img src="https://static.bankbazaar.com/images/download-android-application.svg" alt="Google play" title="Google play" width="121" height="36" loading="lazy" style="max-width:100%;display:inline"/></a></li><li class="text-sm inline-block w-auto pt-1 pb-1 m-1.5"><a class="inline-flex hover:underline no-underline text-white" href="https://bnkbzr.page.link/qBro" title="Apple Store" target="_blank" aria-label="Apple Store"><img src="https://static.bankbazaar.com/images/india/infographic/apple-store-button.svg" alt="Apple Store" title="Apple Store" width="121" height="36" loading="lazy" 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window.history.replaceState({ key }, ""); } try { let positions = JSON.parse(sessionStorage.getItem(STORAGE_KEY) || "{}"); let storedY = positions[restoreKey || window.history.state.key]; if (typeof storedY === "number") { window.scrollTo(0, storedY); } } catch (error) { console.error(error); sessionStorage.removeItem(STORAGE_KEY); } })("positions", null)</script><script>window.__remixContext = {"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes/what-is-pf-provident-fund","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":null,"pageData":{"id":21273,"news":{"items":[{"updatedOn":"2024-04-22","article":[{"data":{"text":"According to data released on 20 April 2024, the Employees Provident Fund Organisation (EPFO) witnessed a notable surge of 15.5 lakh net members in February, with nearly 7.8 lakh being newcomers. A significant observation from the data is the dominance of the 18-25 age group, constituting 56.4% of the total new members added in February. This trend suggests that a majority of those entering the organised workforce are young individuals, primarily first-time job seekers, as highlighted in an official statement. Additionally, the payroll data revealed that approximately 11.8 lakh members exited and subsequently rejoined EPFO, indicating job transitions among EPFO-covered employees. Rather than opting for final settlements, these members transferred their accumulations, ensuring long-term financial stability and extending their social security protection.\u0026nbsp;"},"type":"paragraph"}],"title":"15.5 Lakh Net Members Added to EPFO in February "},{"updatedOn":"2024-04-18","article":[{"data":{"text":"In a circular issued on 16 April 2024, the Employees' Provident Funds Organisation (EPFO) announced an increase in the threshold for automatic claims processing under Paragraph 68J, raising it from Rs. 50,000 to Rs. 1 lakh. Effective on 10 April 2024, this adjustment allows EPF subscribers to seek advances for medical expenses for themselves and their dependents under Paragraph 68-J of the EPF Scheme. Advances can be requested for situations like prolonged hospital stays or major surgeries without the need for additional documentation like proforma or medical certificates. Without the previously required medical certification, physically impaired members can also request advances under Paragraph 68-N. The maximum advance amount under both Paragraphs 68-J and 68-N is determined based on factors such as basic pay, dearness allowance, personal contribution, or equipment cost, whichever is lower.\u0026nbsp;"},"type":"paragraph"}],"title":"EPFO Enhances Benefits for Subscribers "}],"title":"News on PF"},"metaTitle":"PF - Check Provident Fund Benefits \u0026 Eligibility 2024","metaDescription":"Provident Fund - Know complete information about PF Types, Benefits, Features , Eligibility Criteria and Contributions Towards Employee鈥檚 Provident Fund.","metaKeyword":"PF, Provident Fund, What Is PF","h1Title":" Provident Fund (PF)","hideEligForm":true,"hideUserReviews":true,"hideOfferTable":true,"showTOC":false,"breadCrumb":{"otherLinks":[{"text":"Saving Schemes","link":"/saving-schemes.html"}],"currentPageText":"PF Provident Fund"},"hungryForMore":[{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"paragraph","data":{"text":"Every individual makes investments to grow their savings, receive a steady income after retirement, and secure the future of their family. "}},{"type":"paragraph","data":{"text":"A \u003cstrong\u003eP\u003c/strong\u003e\u003cstrong\u003erovident Fund\u003c/strong\u003e (PF) is a voluntary investment fund that helps individuals in achieving their financial goals. "}},{"type":"paragraph","data":{"text":"This government-managed retirement savings scheme enables employees to contribute a portion of their income towards this pension fund on a monthly basis."}},{"type":"paragraph","data":{"text":"These monthly contributions grow and are conveniently available as a lump sum payment upon retirement or termination of employment. The PF amount is a significant portion of your assets so it helps in expanding your retirement corpus fast."}},{"type":"paragraph","data":{"text":"The Central Board of Trustees (CBT), formed by the Central Government regulates and manages the Employees' Provident Fund (\u003ca href=\"/saving-schemes/epf.html\" target=\"_blank\"\u003eEPF\u003c/a\u003e). This Board comprises employers, employees, and government representatives."}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Features and Benefits of Provident Fund","level":2}},{"type":"image","data":{"float":"right","lazy":true,"src":"https://static.bankbazaar.com/images/india/infographic/employee-provident-fund.webp","alt":"Employee Provident Fund","title":"Employee Provident Fund","width":400,"height":250}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe features and benefits of the provident fund are as follows:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The EPF can serve as an emergency corpus during an unexpected financial crisis.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"It provides a retirement corpus thereby instilling a sense of financial security.","items":[]},{"content":"It is one of the most popular \u003ca href=\"/tax/tax-saving-schemes.html\" target=\"_blank\"\u003etax-saving instruments\u003c/a\u003e.","items":[]},{"content":"Investing a large amount of money is not required. A portion of the employee鈥檚 salary is deducted regularly enabling them to save a substantial amount of money over time.","items":[]},{"content":"\u003ca href=\"/tax/deductions-under-80c.html\" target=\"_blank\"\u003eSection 80C of the Income Tax Act\u003c/a\u003e applies to the employee鈥檚 provident fund. Thus, an employee鈥檚 provident fund contribution is tax-free.","items":[]},{"content":"In the EPF India scheme, a fixed interest rate is available. The EPF receives interest even while it is dormant.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"An employee can transfer their EPF corpus from one employer to another when switching jobs.","items":[]},{"content":"The EPF has assisted in reducing the claim settlement period from 20 days to three days.","items":[]}]}},{"type":"header","data":{"text":"Eligibility Criteria for Employee鈥檚 Provident Fund","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe eligibility conditions to enrol in the EPF scheme are mentioned below:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"A salaried employee with a monthly income below Rs.15,000 must register under the EPF scheme.","items":[]},{"content":"A salaried employee with a monthly income above Rs.15,000 will require permission from the Assistant PF Commissioner to enrol in the EPF scheme.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"An organisation that has less than 20 employees can voluntarily register for EPF.","items":[]},{"content":"It is mandatory for an organisation that has 20 or more employees to register for the EPF scheme.","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Types of Provident Fund","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eHere are the three types of provident funds:\u003c/strong\u003e"}},{"type":"list","data":{"style":"ordered","items":[{"content":"\u003cstrong\u003eGeneral provident fund:\u003c/strong\u003e The general provident fund is managed by government entities such as the railways, local authorities, etc.","items":[]},{"content":"\u003cstrong\u003ePublic provident fund:\u003c/strong\u003e The public provident fund is a long-term investment that provides attractive returns on the investment. It comes with a lock-in period of five years. This type of \u003ca href=\"/saving-schemes/all-about-the-employee-pf-account-number.html\" target=\"_blank\"\u003ePF account\u003c/a\u003e can be opened with a minimum investment of Rs.500 and a maximum of Rs.1.5 lakh per year.","items":[]},{"content":"\u003cstrong\u003eRecognised provident fund:\u003c/strong\u003e Privately-owned organisations with more than 20 employees use the recognised provident fund. If you have a valid claim to the PF connected with your company, you will be assigned a Universal Account Number (\u003ca href=\"/saving-schemes/uan.html\" target=\"_blank\"\u003eUAN\u003c/a\u003e). This allows you to transfer your PF money from one employer to another if you change jobs.","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Schemes Under EPFO","level":2}},{"type":"paragraph","data":{"text":"EPFO, which stands for the Employees' Provident Fund Organisation, is a non-constitutional body that encourages employees to save funds for their retirement. Established in 1951, EPFO operates under the governance of the Ministry of Labour and Employment. It provides schemes that cater to both Indian and international workers."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eEPFO offers the following three schemes:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Employees' Provident Funds Scheme 1952 (EPF)","items":[]},{"content":"Employees' Pension Scheme 1995 (\u003ca href=\"/saving-schemes/guide-to-understanding-the-employee-pension-scheme.html\" target=\"_blank\"\u003eEPS\u003c/a\u003e)","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Employees' Deposit Linked Insurance Scheme 1976 (\u003ca href=\"/saving-schemes/employees-deposit-linked-insurance-scheme.html\" target=\"_blank\"\u003eEDLI\u003c/a\u003e)","items":[]}]}},{"type":"header","data":{"text":"Key Objectives","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eEPFO has the following key objectives:\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eFacilitating Single EPF Account:\u003c/strong\u003e Ensuring that every employee maintains only one EPF account throughout their employment.","items":[]},{"content":"\u003cstrong\u003eSimplifying Compliance: \u003c/strong\u003eMaking compliance with \u003ca href=\"/saving-schemes/pf-withdrawal-rules.html\" target=\"_blank\"\u003eEPFO rules\u003c/a\u003e and regulations as simple and user-friendly as possible for organizations.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eEnsuring Rule Adherence: \u003c/strong\u003eEnsuring that organizations consistently follow and comply with all the rules and regulations set forth by EPFO.","items":[]},{"content":"\u003cstrong\u003eEnhancing Online Services:\u003c/strong\u003e Enhancing the reliability and accessibility of EPFO's internet services, providing members with convenient online access to their accounts.\u0026nbsp;","items":[]},{"content":"\u003cstrong\u003eExpedited Claim Settlement:\u003c/strong\u003e Reducing the time taken for claim settlements from the current 20 days to a significantly faster duration of 3 days.","items":[]},{"content":"\u003cstrong\u003eEncouraging Voluntary Compliance: \u003c/strong\u003ePromoting and encouraging voluntary compliance among employers and employees to foster better adherence to EPFO guidelines.","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Provident Fund Contribution","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eThe contribution made by the employee and employer are mentioned in the table below:\u003c/strong\u003e"}},{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"\u003cstrong\u003eContribution made by\u0026nbsp;\u003c/strong\u003e"}}],"colspan":1,"rowspan":1,"highlight":true},{"content":[{"type":"paragraph","data":{"text":"Contribution per month"}}],"colspan":1,"rowspan":1,"highlight":true}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Employee"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"10% or 12%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Employer"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"12%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]},{"cols":[{"content":[{"type":"paragraph","data":{"text":"Total Contribution\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false},{"content":[{"type":"paragraph","data":{"text":"24%\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}},{"type":"header","data":{"text":"UAN and EPFO Portal","level":2}},{"type":"paragraph","data":{"text":"UAN and \u003ca href=\"https://www.epfindia.gov.in/site_en/index.php\" target=\"_blank\" rel=\"nofollow\"\u003eEPFO Portal\u003c/a\u003e play a crucial role in providing convenient online access to EPF subscribers' accounts. EPFO provides all its subscribers with online access to their PF accounts, enabling them to perform various operations such as withdrawals and checking their EPF balance."}},{"type":"paragraph","data":{"text":"To streamline the process, \u003ca href=\"/saving-schemes/epf.html\" target=\"_blank\"\u003eEPFO\u003c/a\u003e assigns a unique 12-digit number called the Universal Account Number (UAN) to each member. The UAN remains the same even if an employee switches employers. The UAN simplifies access to the EPFO member portal. When an employee changes jobs, their member ID may change, but it is linked to the UAN. However, employees need to activate their UAN in order to utilize the online services provided by EPFO."}},{"type":"header","data":{"text":"EPF Interest","level":2}},{"type":"paragraph","data":{"text":"The EPF scheme offers a pre-fixed rate of interest of \u003cstrong\u003e8.25%\u003c/strong\u003e for the financial year \u003cstrong\u003e2024-25\u003c/strong\u003e. The interest earned on investments in a PF online account is tax-free. The interest is credited only to the operative PF accounts of employees who are yet to retire. However, the interest accrued on such accounts is taxable based on the employee member's EPF tax slab."}},{"type":"paragraph","data":{"text":"It's important to note that the share contributed towards the Employees' Pension Scheme does not earn interest. However, members are entitled to receive a pension from the accumulated sum after they reach the age of 58."}},{"type":"header","data":{"text":"EPF Calculation","level":2}},{"type":"paragraph","data":{"text":"The EPF calculator is a tool used to estimate the amount that will be available in your EPF account upon retirement. It calculates the lump-sum amount, including your contributions, your employer's contributions, and the accrued interest on investments."}},{"type":"paragraph","data":{"text":"The calculator requires inputs such as your current age, basic monthly pay, dearness allowance, EPF contribution, retirement age (up to 58 years), and, optionally, the current EPF balance. Based on the information, it will then provide an estimate of the EPF funds available at retirement."}},{"type":"header","data":{"text":"Calculation of EPF Interest","level":2}},{"type":"paragraph","data":{"text":"The \u003ca href=\"/saving-schemes/epf-interest-rate-trends-in-india.html\" target=\"_blank\"\u003einterest on EPF\u003c/a\u003e schemes is calculated monthly by dividing the annual interest rate by 12."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eFor example:\u003c/strong\u003e If the annual interest rate is 8.25%, the monthly interest rate would be (8.25/12)%, which is 0.69%. Assuming an individual's salary is Rs. 15,000 per month, with a 12% contribution directed towards the EPF account:"}},{"type":"paragraph","data":{"text":"The contribution towards the EPF account would be 12% of Rs. 15,000, which is Rs. 1,800 per month."}},{"type":"paragraph","data":{"text":"Employers contribute 3.67% towards the EPF account, while 8.5% is contributed towards the EPS account."}},{"type":"paragraph","data":{"text":"The total contribution towards the EPF account would be Rs. 1,800 + Rs. 550 = Rs. 2,350."}},{"type":"paragraph","data":{"text":"The interest accrued in one month would be Rs. 2,350 x 0.69% = Rs. 16.2."}},{"type":"paragraph","data":{"text":"It's important to note that the interest accrued in a given month is credited to the account at the end of the current financial year."}},{"type":"header","data":{"text":"How to Transfer EPF Money","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1: \u003c/strong\u003eWhen changing jobs, EPF money can be transferred using the same Universal Account Number (UAN)."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2: \u003c/strong\u003eVisit the official EPF member portal and complete the registration form."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3: \u003c/strong\u003eOnce you have received your login credentials, log in to the portal."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4: \u003c/strong\u003eAccess the Online Transfer Claim Portal and initiate an EPF transfer using the same login details."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5: \u003c/strong\u003eIf you meet the eligibility criteria for an online transfer claim, you can proceed without submitting Form 13."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 6: \u003c/strong\u003eChoose the option '\u003cstrong\u003eRequest for Transfer of Funds\u003c/strong\u003e' and provide the required details of your previous employment as instructed."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 7: \u003c/strong\u003eEnsure that your previous or current employer authenticates the transfer request."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 8: \u003c/strong\u003eUpon submission, a PIN will be sent to your registered mobile number for verification."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 9: \u003c/strong\u003eKeep track of your application using the provided tracking ID."}},{"type":"header","data":{"text":"EPF Withdrawal Rules","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eEPF allows individuals to make partial or complete withdrawals, but such withdrawals are subject to specific circumstances.\u003c/strong\u003e"}},{"type":"header","data":{"text":"Complete Withdrawal:","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eRetirement:\u003c/strong\u003e Individuals can withdraw EPF completely upon retirement.","items":[]},{"content":"\u003cstrong\u003eExtended Unemployment:\u003c/strong\u003e If the period of unemployment exceeds two months, complete withdrawal is allowed.","items":[]},{"content":"\u003cstrong\u003eJob Switching:\u003c/strong\u003e Complete withdrawal is permitted when transitioning between professions or jobs, provided the duration without a job is more than two months.","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Partial Withdrawal:","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eWedding Expenses: \u003c/strong\u003ePartial withdrawal is allowed for wedding-related expenses.","items":[]},{"content":"\u003cstrong\u003eHigher Education: \u003c/strong\u003eEPF can be partially withdrawn for funding higher education.","items":[]},{"content":"\u003cstrong\u003eLand Purchase or House Construction: \u003c/strong\u003ePartial withdrawal is permitted for purchasing land or constructing a house.","items":[]},{"content":"\u003cstrong\u003eHome Loan Repayment:\u003c/strong\u003e EPF can be partially withdrawn for the repayment of a home loan.","items":[]},{"content":"\u003cstrong\u003eHousing Property Renovation: \u003c/strong\u003ePartial withdrawal is allowed for renovating a housing property.","items":[]}]}},{"type":"header","data":{"text":"EPF Taxation","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eEPF Withdrawals: \u003c/strong\u003eIf EPF is withdrawn before the completion of five years of employment, it is subject to taxation. However, PPF withdrawals are not taxed.","items":[]},{"content":"\u003cstrong\u003eTax Deduction: \u003c/strong\u003eEPF contributions made by both the employer and the employee are eligible for tax deduction up to Rs. 1.5 lakh per year under Section 80C of the Income Tax Act. The interest earned on EPF is also tax-free unless the individual becomes unemployed.","items":[]},{"content":"\u003cstrong\u003eTax-Free Withdrawals:\u003c/strong\u003e EPF withdrawals made within five years of opening the account are tax-free. However, if the withdrawal amount exceeds Rs. 50,000 within five years, TDS is deducted.","items":[]},{"content":"\u003cstrong\u003ePPF Tax Benefits:\u003c/strong\u003e PPF account investments up to Rs. 1.5 lakh per year qualify for a tax credit under \u003ca href=\"/tax/deductions-under-80c.html\" target=\"_blank\"\u003eSection 80C\u003c/a\u003e of the Income Tax Act. The interest earned on PPF is tax-free, but it must be reported in the annual income tax return. The maturity amount from \u003ca href=\"/saving-schemes/ppf.html\" target=\"_blank\"\u003ePPF\u003c/a\u003e is also tax-free. In other words, PPF follows a tax-exempt, exempt, exempt (EEE) status.","items":[]}]}},{"type":"header","data":{"text":"Withdrawal Process of EPF","level":2}},{"type":"paragraph","data":{"text":"EPF members in India can withdraw their EPF funds through either an offline or online process."}},{"type":"header","data":{"text":"Offline Withdrawal Process:","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1:\u003c/strong\u003e Fill up the '\u003cstrong\u003eNew Composite Claim Form\u003c/strong\u003e' or '\u003cstrong\u003eComposite Claim Form\u003c/strong\u003e' and submit it to the EPFO office that has jurisdiction over your account."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2: \u003c/strong\u003eYour employer must attest to the composite claim form."}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}},{"type":"header","data":{"text":"Online Withdrawal Process:","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 1:\u003c/strong\u003e Make sure that you have an active \u003ca href=\"https://www.bankbazaar.com/saving-schemes/uan.html\" target=\"_blank\"\u003eUniversal Account Number\u003c/a\u003e (UAN)."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 2: \u003c/strong\u003eVerify that the mobile number linked to the UAN is active as well."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 3: \u003c/strong\u003eLink your UAN with Aadhaar and provide your PAN and bank details along with the IFSC code."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 4:\u003c/strong\u003e Log in to the UAN online portal once all the prerequisites are met."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eStep 5:\u003c/strong\u003e Verify your KYC details and follow the instructions provided to proceed with the withdrawal process."}},{"type":"header","data":{"text":"EPFO Grievance Information:","level":2}},{"type":"paragraph","data":{"text":"Employees who wish to register a grievance with EPFO can do so through the EPFO's member site by filling out a grievance registration form. Employees often file complaints regarding withdrawals, PF settlements, account transfers, pension settlements, and other related issues."}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eIf you are new to the EPF member website, follow these steps to register an EPF grievance:\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"ordered","items":[{"content":"Visit \u003ca href=\"https://epfigms.gov.in/\" target=\"_blank\" rel=\"nofollow\"\u003ehttps://epfigms.gov.in/\u003c/a\u003e to access the EPFO grievance site.\u0026nbsp;","items":[]},{"content":"Click the '\u003cstrong\u003eRegister Grievance\u003c/strong\u003e' button on the top bar.\u0026nbsp;","items":[]},{"content":"The grievance registration form will appear on the screen.\u0026nbsp;","items":[]},{"content":"Fill out the registration form with the following details:\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Select your current situation (employer, employee, EPS pensioner).\u0026nbsp;","items":[]},{"content":"Enter your\u003ca href=\"https://www.bankbazaar.com/saving-schemes/all-about-the-employee-pf-account-number.html\" target=\"_blank\"\u003e PF account number.\u003c/a\u003e","items":[]},{"content":"Provide the address of your regional EPF office.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Enter your employer's name, address, and other relevant details.\u0026nbsp;","items":[]},{"content":"Provide your personal information, including your name, address, zip code, country, email address, and phone number.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"ordered","items":[{"content":"Choose the nature of your grievance from the drop-down menu, whether it's related to a transfer, withdrawal, pension settlement, or any other issue.\u0026nbsp;","items":[]},{"content":"Upload your grievance letter, complete the captcha, and finalize the grievance registration process.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_21273\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_21273","linkText":"Check FREE Credit Score"}}],"faqs":{"title":"FAQs on PF- Provident Fund","items":[{"question":"Who is eligible for PF?","answer":[{"type":"paragraph","data":{"text":"\u0026nbsp; EPF is available to all salaried employees. However, it is mandatory for a salaried employee with a monthly income below Rs.15,000 to register under the EPF scheme.\u0026nbsp;"}}]},{"question":"Is there a maximum contribution to EPF? ","answer":[{"type":"paragraph","data":{"text":"The maximum contribution from employers and employees is 12% of the basic salary of the employee. However, you can increase your contributions to the PF account if you make Voluntary Provident Fund (VPF) contributions."}}]},{"question":"Can I check my PF balance online?","answer":[{"type":"paragraph","data":{"text":"Yes, you can check your PF balance online."}}]},{"question":"Can I join the Pension Scheme without first contributing to the EPF? ","answer":[{"type":"paragraph","data":{"text":"No, you can join the Pension Scheme only after you become a member of the EPF.\u0026nbsp;"}}]},{"question":"Is registering for PF mandatory if I earn less than Rs.15,000 per month? ","answer":[{"type":"paragraph","data":{"text":"Yes, your employer must open an EPF account for you if you earn a monthly income of less than Rs.15,000 per month (basic + dearness allowance)."}}]},{"question":"Can I opt-out of schemes under the EPF act?","answer":[{"type":"paragraph","data":{"text":"\u0026nbsp; If you have never joined the EPF and receive a basic salary of more than Rs.15,000, you may opt-out of the scheme. However, you cannot opt-out of the scheme after you become a member.\u0026nbsp;\u0026nbsp;"}}]},{"question":"Can an employer deduct the employer's contribution to EPF from employees' wages?","answer":[{"type":"paragraph","data":{"text":"No, an employer cannot take the employer's contribution to EPF from employees' wages. Any such deduction is a criminal offence punishable by imprisonment for a term of up to three years, but not less than one year, and a penalty of Rs.10,000 under Section 14(1A) of the Act.\u0026nbsp;"}}]}]},"topContent":[{"type":"header","data":{"text":"What is Provident Fund?","level":2}},{"type":"paragraph","data":{"text":"A \u003cstrong\u003eProvident Fund\u003c/strong\u003e (PF) is a savings scheme where both employees and employers contribute a portion of the salary for the employee鈥檚 future. The fund accumulates interest over time and is typically used for retirement or emergencies. In India, the Employee Provident Fund (EPF) is managed by the government for employees in the organized sector."}}],"interLinks":{"asLeftNav":true,"items":[{"title":"Important pages from Saving Schemes","items":[{"title":"Employee Provident Fund","link":"/saving-schemes/epf.html","text":"EPF"},{"title":"Employee Provident Fund Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html","text":"EPF Balance"},{"title":"Provident Fund Withdrawal Rules","link":"/saving-schemes/pf-withdrawal-rules.html","text":"PF Withdrawal Rules"},{"title":"Employee Provident Fund Passbook","link":"/saving-schemes/epf-e-passbook.html","text":"EPF Passbook"},{"title":"Provident Fund Status","link":"/saving-schemes/how-to-check-pf-status-online.html","text":"PF Status"},{"title":"PF Claim Status","link":"/saving-schemes/all-about-epf-claim-status.html","text":"EPF Claim Status"},{"title":"Universal Account Number","link":"/saving-schemes/uan.html","text":"UAN"},{"title":"Universal Account Number Registration","link":"/saving-schemes/know-about-epfo-universal-account-number.html","text":"UAN Registration"},{"title":"Universal Account Number Login","link":"/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html","text":"UAN Login"},{"title":"Employee Provident Fund Organization Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html","text":"EPFO Login"},{"title":"PF Balance Number","link":"/saving-schemes/how-to-check-epf-balance-sms.html","text":"PF Balance Number"},{"title":"Public Provident Fund","link":"/saving-schemes/ppf.html","text":"PPF"},{"title":"National Pension Scheme","link":"/saving-schemes/nps.html","text":"NPS"},{"title":"National Pension Scheme Calculator","link":"/saving-schemes/nps-calculator.html","text":"NPS Calculator"},{"title":"Sukanya Samriddhi Yojana Account","link":"/saving-schemes/sukanya-samriddhi-yojana-account.html","text":"Sukanya Samriddhi Yojana Account"},{"title":"Sukanya Samriddhi Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html","text":"Sukanya Samriddhi Calculator"},{"title":"Atal Pension Yojana","link":"/saving-schemes/atal-pension-yojana.html","text":"Atal Pension Yojana"},{"title":"Pradhan Mantri Jan Dhan Yojana","link":"/saving-schemes/pradhan-mantri-jan-dhan-yojana.html","text":"PMJDY"},{"title":"Zero Balance Account through PM Jan Dhan Yojana","link":"/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html","text":"Zero Balance Account through PMJDY"},{"title":"Pradhan Mantri Vaya Vandana Yojana","link":"/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html","text":"PMVVY"},{"title":"Voluntary Provident Fund","link":"/saving-schemes/vpf.html","text":"VPF"},{"title":"Kisan Vikas Patra","link":"/saving-schemes/kisan-vikas-patra.html","text":"Kisan Vikas Patra"},{"title":"Senior Citizen Savings Scheme","link":"/saving-schemes/senior-citizen-saving-scheme.html","text":"SCSS"},{"title":"National Savings Certificate","link":"/saving-schemes/nsc.html","text":"NSC"}]}]},"updatedOn":"04 Dec 2024","ogImage":{"src":"https://static.bankbazaar.com/images/social-share/bb-social-share-v1.jpg"}},"contextData":{"namespace":"saving-schemes/what-is-pf-provident-fund","productType":"ALL","categoryType":"SAVING_SCHEME","deviceType":"DESKTOP"}}},"actionData":null,"errors":null}};</script><script type="module" async="">import "/lp-assets/manifest-7fb25f5b.js"; import * as route0 from "/lp-assets/root-DQCPFDXh.js"; import * as route1 from "/lp-assets/route-faYSul94.js"; window.__remixRouteModules = {"root":route0,"routes/default/route":route1}; import("/lp-assets/entry.client-BgNBjbT3.js");</script><script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! function(w, e, b, n, g) { function o(e, t) { e[t[t.length - 1]] = function() { r.__queue.push([t.join("."), arguments]) } } var i, s, r = w[b], z = " ", l = "init options track screen onReady".split(z), a = "feedback survey notification".split(z), c = "options render clear abort".split(z), p = "Open Close Submit Complete View Click".split(z), u = "identify login logout setAttribute".split(z); if (!r || !r.__v) { for (w[b] = r = { __queue: [], __v: "6.0", user: {} }, i = 0; i < l.length; i++) o(r, [l[i]]); for (i = 0; i < a.length; i++) { for (r[a[i]] = {}, s = 0; s < c.length; s++) o(r[a[i]], [a[i], c[s]]); for (s = 0; s < p.length; s++) o(r[a[i]], [a[i], "on" + p[s]]) } for (i = 0; i < u.length; i++) o(r.user, ["user", u[i]]); setTimeout(function() { var f = e.createElement("script"), d = e.getElementById("_webengage_script_tag"); f.type = "text/javascript", f.async = !0, f.src = ("https:" == e.location.protocol ? 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