EPF
You can withdraw EPF for treatment without doctor certificate
How to transfer your PF money online: Here's a step-by-step guide- EPS pensioners can submit life certificate without Aadhaar, fingerprint authentication: EPFO
- How new EPF rules are going to impact you
- How to check PF balance: Here are 5 ways
- How to know your PF claim status
- What is EPF scheme and how to calculate PF balance?
- How to calculate Employees' Provident Fund balance and interest
- How to download EPF passbook
Under EPF scheme, an employee has to pay a certain contribution towards the scheme and an equal contribution is paid by the employer. The employee gets a lump sum amount including self and employer's contribution with interest on both, on retirement. As per the rules, in EPF, employee whose 'pay' is more than Rs 15,000 a month at the time of joining, is not eligible and is called non-eligible employee. Employees drawing less than Rs 15,000 a month have to mandatorily become members of the EPF. However, an employee who is drawing 'pay' above prescribed limit (currently Rs 15,000) can become a member with permission of Assistant PF Commissioner, if he and his employer agree. Contribution paid by the employer is 12 per cent of basic wages plus dearness allowance plus retaining allowance. An equal contribution is payable by the employee also.
In case of establishments which employ less than 20 employees or meet certain other conditions as notified by the EPFO, the contribution rate for both employee and the employer is limited to 10 percent. The EPFO’s Central Board of Trustees after consultation with the Ministry of Finance reviews the interest rate of EPF every year, for a financial year.
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EPF
EPF stands for Employees' Provident Fund (EPF) and is the main scheme under the Employees' Provident Funds and Miscellaneous Provisions Act, 1952. The scheme is managed under the aegis of Employees' Provident Fund Organisation (EPFO).Under EPF scheme, an employee has to pay a certain contribution towards the scheme and an equal contribution is paid by the employer. The employee gets a lump sum amount including self and employer's contribution with interest on both, on retirement. As per the rules, in EPF, employee whose 'pay' is more than Rs 15,000 a month at the time of joining, is not eligible and is called non-eligible employee. Employees drawing less than Rs 15,000 a month have to mandatorily become members of the EPF. However, an employee who is drawing 'pay' above prescribed limit (currently Rs 15,000) can become a member with permission of Assistant PF Commissioner, if he and his employer agree. Contribution paid by the employer is 12 per cent of basic wages plus dearness allowance plus retaining allowance. An equal contribution is payable by the employee also.In case of establishments which employ less than 20 employees or meet certain other conditions as notified by the EPFO, the contribution rate for both employee and the employer is limited to 10 percent. The EPFO’s Central Board of Trustees after consultation with the Ministry of Finance reviews the interest rate of EPF every year, for a financial year.
EPFO’s WhatsApp service: You can check EPF balance, view last 5 transactions and download passbook by sending message
The launch of the EPFO WhatsApp service was announced by Union Minister Mansukh Mandaviya. This new feature empowers subscribers to easily check their EPF balance, view the latest transactions, and download passbook details. Moreover, the initiative addresses automatic settlements for dormant accounts, benefiting around one lakh users whose balance falls under Rs 1,000, thereby simplifying processes and minimizing the necessity for in-person visits.
EPFO reveals conditions to join EPF, EPS and EDLI
The Ministry of Labour and Employment has raised the Employees' Provident Fund wage ceiling to enhance participation. Employees earning between Rs 15,000 and Rs 25,000 will now be required to join the schemes. Those earning less than Rs 15,000 can also opt into the schemes voluntarily. This increase in ceiling may lead to higher PF contributions and, consequently, greater retirement savings.
EPF calculator: How your Rs 50 lakh retirement corpus can keep growing for 3 years without any PF contributions
Employees' Provident Fund accounts continue to earn interest for three years after the age of 58. After that period, accounts become inoperative unless members withdraw their accrued corpus.
Mansukh Mandaviya rolls out EPFO services on WhatsApp, starts auto-settlement of small inoperative accounts
Union Labour & Employment Minister Mansukh Mandaviya launched EPFO services through WhatsApp for easier access. Subscribers can check their PF balance and transaction history conveniently using this platform. The automatic settlement for inoperative EPF accounts was also introduced, streamlining the process for beneficiaries. In total, around one lakh accounts will benefit from this initiative. The EPFO's commitment to evolve and focus on worker-centric innovations was emphasized during the celebration.
EPFO WhatsApp Service: How to check PF balance, view transaction history and download passbook easily; here's how
The Employees' Provident Fund Organisation (EPFO) has introduced a convenient WhatsApp service to enhance member access to their provident fund details. This innovation enables users to effortlessly check their EPF balance and examine transaction histories. Additionally, members can obtain their passbook directly via WhatsApp following a verification step. Launched by Union Labour and Employment Minister Mansukh Mandaviya, this initiative aims to simplify service access for all members.
West Bengal investment policy puts jobs first, offers up to 120% assistance to industries
West Bengal has launched a new investment promotion policy aimed at encouraging industrial growth and job creation. The policy includes substantial incentives for businesses, especially those focused on employing women and transgender workers. It offers streamlined processes for approvals and payments, enhancing efficiency for investors. Priority areas will receive higher assistance levels and a framework for regular review every three years.
Has EPFO extended ECR filing deadline from October 31, 2026? What employers need to know
Employers must file the Electronic Challan-cum-Return for September 2026 by October 31, 2026. The EPFO extended the previous deadline to accommodate changes in contribution calculations due to the new wage ceiling. For the period of September 1 to 16, contributions are calculated at Rs 15,000, while from September 17 onward, they will be at Rs 25,000.
Salary up to Rs 25,000: EPFO reveals how you can enrol for EPF, EPS and ELDI schemes
The government recently raised the wage ceiling for the Employees' Provident Fund to Rs 25,000, allowing a broader range of workers to access the EPF, EPS, and EDLI schemes. This increase means that employees earning up to the new limit can secure essential social security benefits.
EPS-95 pension row: Retirees challenge 2007 EPF amendment over lower pension; Karnataka HC rules against them
The Karnataka High Court ruled against retired employees challenging amendments to the Employees' Pension Scheme, 1995. The court found the government's power to amend the scheme was legitimate and did not violate vested rights. Retired employees argued that their pension entitlements were reduced by the 2007 amendments. The EPFO clarified that the amendments corrected existing anomalies and did not take away benefits.
West Bengal's new investment policy wins industry praise for jobs, innovation and ease of doing business
Mehul Mohanka, Chairman, CII Eastern Region said, "The policy is a progressive and forward-looking framework that reinforces the State’s commitment to industrial growth and advanced manufacturing and sends a strong signal to investors.”
Gold jewellery at home: How much can you keep without fear of Income Tax seizure?
People can legally own gold without a prescribed maximum quantity if they explain its source. The Income Tax Department has guidelines regarding the non-seizure of gold jewelry during searches. Married women can own up to 500 grams, while unmarried women are allowed 250 grams and male members 100 grams. These limits do not automatically exempt individuals from income tax liabilities.
8th Pay Commission: 6 key demands by Railway employee's body; better pay, merging of pay scales, hardship allowance and more
8th Pay Commission news: The All India Railwaymen's Federation has made significant recommendations to the 8th Pay Commission. Higher pay scales are proposed to match the Indian Railways' modernization efforts and working conditions. Special allowances have been requested due to the inherent risks and hardships faced by railway employees. The issues of female loco pilots and track maintainers have been highlighted for attention.
SpiceJet’s meltdown: Rs 5,500 crore raised, but where did the money go?
SpiceJet's mounting financial crisis raises serious questions over the fate of more than Rs 5,500 crore raised in recent years, its unpaid dues, operational collapse and regulatory oversight. Despite repeated capital infusions, the airline faces mounting losses and possible bankruptcy, while questions persist over fund utilisation, management accountability and aviation safety.
8th Pay Commission news: Notified a year ago, 5 biggest 8th CPC developments since November 3, 2025
8th Pay Commission latest news: On November 3, 2025, the government announced the 8th Pay Commission’s Terms of Reference. The Commission is tasked with submitting its report within an 18-month deadline ending on May 3, 2027. An 18-question questionnaire was launched to gather inputs from stakeholders about various employment issues. Additionally, stakeholder consultations began in April 2026, with meetings held in multiple cities. Recommendations will influence future pay and pension adjustments for central government employees.
Is EPFO set to invest in startups, AIFs? Report says provident fund body is working on guidelines
Employees' Provident Fund Organisation plans to establish rules for investments in alternative investment funds. The organization is considering allocating up to 3% of new annual accretions to AIFs for diverse investments.
Bank of India revises FD interest rates: Launches 500-day fixed deposit offering 7.35% rate to senior citizens
Bank of India latest FD interest rates: Effective November 2, 2026, Bank of India has revised its fixed deposit interest rates across various terms. A new option, the 500-day BOI Akshay Deposit, has been introduced with attractive rates specifically for senior and super senior citizens. Regular depositors can enjoy a competitive interest rate of 6.85%. With a minimum investment amount set at Rs 10,000, this offers a great opportunity for secure savings.
Odoo 20 strengthens business operations with deeper India-specific compliance features
Odoo 20 has launched several updates designed specifically for Indian businesses. These updates focus on enhancing GST compliance, payroll processing, and accounting workflows to meet local demands. The integration of AI facilitates improved data handling and analysis in everyday operations, ultimately boosting productivity.
EPS-95 higher pension: Pensioners’ body appeals to President as retirees struggle to get higher pension
The National Confederation of Pensioners’ Associations has requested intervention from President Droupadi Murmu regarding higher EPS pension issues. They demand the withdrawal of a problematic EPFO circular that affects eligibility for pensions based on internal trust rules. In addition, they seek to halt unnecessary litigation and ensure uniform treatment for all retirees. The NCPA calls for waiving punitive interest related to administrative delays on pension claims.
EPFO WhatsApp channel: Can you access EPF, EPS and EDLI services? How to join
EPFO has introduced a new WhatsApp channel to keep subscribers informed about its schemes and services, attracting around two lakh users so far. The channel provides insights into the Employees’ Provident Fund, Employees’ Pension Scheme, and Employees’ Deposit Linked Insurance.
No additional EPS contribution by government on higher wage ceiling of Rs 25,000; know what it means for your pension
EPS pension: In a recent notification, the central government confirmed that the Employees' Pension Scheme contribution will remain at the current cap of Rs 15,000, despite announcing a new wage ceiling of Rs 25,000. This choice reflects findings from earlier actuarial evaluations pointing to a potential funding shortfall. Additionally, the government has promised supplementary budgetary support to ensure current pension payouts, although sustainability concerns have been voiced in Parliament.
EPS-95: Private sector employees win higher pension case in Bombay High Court despite PF Trust wage ceiling limit cap; know why
EPS-95: Private sector employees wins case for higher pension as Bombay HC rules higher pension can be given even if PF trust rules capped the contributions at statutory wage ceiling limit
ETMarkets Smart Talk| A ₹25,000 monthly SIP can grow to ₹2.17 crore in 15 years—with a 10% annual step-up: Jeet Marwadi
In an interview with Kshitij Anand of ETMarkets, Jeet Marwadi, Founder and Managing Director of 1 Finance, explains why reviewing loans, insurance, expenses and savings decisions can be just as important as investment selection—and why investors should seek financial advice early in their wealth journey.
EPFO extends ECR deadline to October 31, 2026: Employers to get 16 more days to file employees’ EPF, EPS and EDLI data
The EPFO has extended the September 2026 ECR filing deadline for employers from October 15 to October 31, following the increase in the PF wage ceiling from Rs 15,000 to Rs 25,000. Employers must calculate contributions using the applicable wage ceilings. Meanwhile, eligible establishments can apply under the EPFO Amnesty Scheme 2026 for retrospective regularisation of exempt PF trusts by December 28, 2026.
8th Pay Commission: Level 1 salary at Rs 47,160, Rs 54,000 or Rs 69,000? Check Level 1-5 estimates at different fitment factors
8th Pay Commission latest news: On October 22-23, 2026, Mumbai will host consultation meetings for the 8th Pay Commission, where employee and pensioner associations will strongly advocate for enhanced fitment factors relative to previous standards. The agenda includes vital discussions on salary adjustments, pension increases, and allowances for government employees. Proposed factors range from 2.62 to 4.38, with 3.833 being widely favored, pending the government’s budgetary framework.
‘Increase maximum EDLI benefit to Rs 10.50 lakh’: Why this BJP MP wants government to take immediate action
In a bid for better financial security, BJP MP Ajit Gopchade has urged Prime Minister Narendra Modi to enhance the Employees' Deposit Linked Insurance (EDLI) coverage. Citing the recent increase in the EPF wage ceiling from Rs 15,000 to Rs 25,000 as a pivotal reason, Gopchade proposes that the minimum cover be elevated to Rs 10.50 lakh.
WhatsApp scam alert: How replying ‘No’ to fake bank debit message can empty your bank account
Hyderabad reported incidents of WhatsApp message fraud causing victims to lose significant amounts of money. A chartered accountant lost lakhs after responding to a fraudulent message regarding a bank transaction. Similarly, two retired principals lost Rs 64 lakh due to scams in which one of them was misled into updating their KYC information. Authorities advise against responding to such messages and recommend contacting official channels.
Railway employees to get Rs 17,591 annual bonus: But why other central government employees get just Rs 6,908
Indian Railway annual bonus: The central government has announced a Productivity Linked Bonus for non-gazetted Railway employees for FY 2025-26. Railway employees will receive a bonus calculated at 78 days' basic wages, amounting to Rs 17,951. In contrast, other central government employees receive a significantly lower bonus calculated at 30 days' wages. Various employee associations have demanded an increase in the bonus wage ceiling due to rising inflation.
NPS investment in startups: AINPSEF writes to PM Modi seeking probe and asks for dissolution of NPS Trust
Manjeet Singh Patel has alleged serious financial irregularities concerning the National Pension System Trust. He has requested a high-level audit by the Comptroller and Auditor General of India. Patel asserts that many employees' NPS investments have turned negative due to poor market performance. He demands the implementation of a guaranteed minimum return on employee contributions.
Massive Cartoon Network breach leads to decades of classic animation files leaking days after Skydance merger: Know what has leaked
A significant data breach has leaked over 200 GB of internal files from Cartoon Network's production. Shows such as Adventure Time and The Powerpuff Girls are among the affected content. The leak, traced to an anonymous X account, includes storyboards and character model sheets. Disney experienced a similar breach in 2024, where internal documents were exposed online. Warner Bros. and Paramount have not yet confirmed this recent leak.
Higher EPF wage ceiling expands social security for millions; but EPS legacy issues need to be fixed
The recent adjustment to the Employees' Provident Fund wage ceiling significantly widens eligibility for benefits, raising the contribution limit from Rs. 15,000 to Rs. 25,000. This revision aims to enhance social security, but it might pose complexities for pension contributions. Employees should verify the accuracy of their EPS records to prevent issues, as the swift rollout of the new ceiling could lead to unforeseen challenges.
EPF wage ceiling hike: How it impacts employee & employer's contributions to EPF, EPS and take-home pay
While the higher ceiling does have an impact on immediate net cash take-home of the employee due to increased contribution, it will certainly support building of future corpus for retirement and higher pension by way of contribution to the provident fund and pension scheme.
EPS pension eligibility: Is EPS membership mandatory for you if your wages are Rs 25,000+? Check status
The government has raised the wage limit for the Employees' Provident Fund from Rs 15,000 to Rs 25,000 monthly. This adjustment mandates that employees earning under Rs 25,000 join the EPF and EPS schemes. Existing EPS members above this wage threshold will maintain their status, while new entrants won’t be obliged to enroll. This reform seeks to enhance social security benefits for workers and their families.
VRS offer in hand? Check these tax rules before you accept the package
Contemplating a Voluntary Retirement Scheme (VRS)? Prior to making your decision, it’s crucial to analyze the overall financial implications, including taxation aspects and the treatment of different package components. Be clear on the eligibility for tax breaks and ensure that your financial security after retirement is adequately planned.
Higher EPS pension: Pensioners seek PM Modi’s intervention over EPFO's stance on higher pension cases
EPS pension: In a recent letter to Prime Minister Modi, the National Confederation of Pensioner Associations highlighted critical issues within the Employees' Pension Scheme. They contest the ongoing discriminatory practices by the Employees' Provident Fund Organisation regarding higher pension claims. The pensioners argue that the internal regulations should not be allowed to supersede existing parliamentary legislation.
EPF & EPS rules under new wage ceiling: Earning Rs 20,000 and not EPS member? Know how your employer’s PF contribution will change from October 2026
Employees earning up to Rs 25,000 will see changes in their EPF contributions due to mandatory EPS membership. Employer contributions will now be split between EPF and EPS according to the new rules.
EPS pension: Basic pay above Rs 25,000? Why you may not qualify for EPS membership
The Employees' Provident Fund Organisation has introduced updated guidelines concerning EPS membership for workers. Employers are obligated to verify the wages and prior EPS membership status of new hires. Employees earning Rs 25,000 or less must be enrolled in EPS, while others have distinct criteria. Accurate deductions are vital for employers to avert complications in upcoming claims.
EPF vs EPS vs EDLI: Earning Rs 10,000–Rs 35,000? Government reveals employee & employer’s monthly contributions from October 2026
The Ministry of Labour and Employment raised the Employees’ Provident Fund wage ceiling from Rs 15,000 to Rs 25,000. This change will enforce social security coverage for many organized sector employees in India.
EPS pension benefit: Basic salary up to Rs 25,000 but no employer EPS contribution? Here’s where to complain
Employees participating in the Employees’ Pension Scheme (EPS) should verify that their employers are making necessary contributions. Should an employer neglect these payments, employees are advised to first reach out to their Human Resource department. If the issue persists, complaints can be filed via the EPFiGMS portal, enabling users to track their complaint's progress.
How much risk can you take? Pension regulator plans to ask before you choose an NPS scheme
PFRDA is set to launch a suitability platform to evaluate the risk appetite of NPS subscribers. This platform will be integrated across various NPS interfaces for better assessment. The aim is to enable subscribers to make informed choices about their pension schemes. Recent studies indicate a growing interest in NPS among individuals planning for retirement. Despite increasing interest, pension coverage in India remains low at around 17-18%.
EPF wage ceiling raised to Rs 25,000: When will higher EPF deductions appear in your salary slip?
Starting September 2026, a major shift in the EPFO wage ceiling will raise the limit from Rs 15,000 to Rs 25,000 monthly. This increase will have different effects on various employees, especially those accustomed to the old ceiling as their deductions will change. Employers could face delays in updating their payroll systems, causing possible arrears and necessary adjustments for workers as they adapt to the new regulations.
Don't cut salaries: Ministry sends a missive to companies after new ₹25,000 EPF wage ceiling
The Labour and Employment Ministry has instructed employers to maintain employees' statutory wages after raising the EPFO ceiling. Workers earning between ₹15,000 and ₹25,000 are now mandatorily covered under the Employees' Pension Scheme. Employers are encouraged to view their contributions as part of good human resource practices. The government offers financial incentives for new employment to mitigate increased costs.
How employees contributing to EPF on actual wage basis can be impacted due to hike in EPF wage ceiling limit
As of September 17, 2026, the EPF wage ceiling is set to increase from Rs 15,000 to Rs 25,000. This adjustment does not affect employees whose earnings exceed Rs 25,000. Those earning between Rs 15,000 and Rs 25,000 will experience negligible changes to their contributions. Notably, EPS contributions will rise for employees hired prior to September 2014. Employers are responsible for managing increased contributions while keeping their salary structures intact.
EPF wage ceiling history: How ₹300 became ₹25,000 and what it means for your salary
The wage ceiling for the Employees’ Provident Fund has officially increased to Rs 25,000, effective September 17, 2026. This much-needed revision is the first change in wage limits since 2014 and directly impacts mandatory EPF contributions for employees in the organized sector. Those earning up to the new wage ceiling can expect elevated contributions, which will aid in bolstering their retirement plans.
EPFO fund withdrawal rules for illness: How much EPF can you withdraw for medical treatment?
Eligible Employees' Provident Fund Organisation (EPFO) members can withdraw up to 75% of their EPF balance for illness-related expenses after completing 12 months of EPF membership.
EPF withdrawal for buying, constructing and repairing house: How much amount can you withdraw from your EPF corpus? check eligibility and rules
Earlier in October 2025, 13 types of partial withdrawal provisions were merged into one unified and simplified framework. Prior to the simplification of norms, an EPF member was allowed to withdraw only the employee contribution and interest ranging from 50-100%.
How EPFO wage ceiling reset will change PF contribution math
The Employees' Provident Fund Organisation has changed the mandatory wage ceiling from Rs 15,000 to Rs 25,000 as of September 17. This shift is expected to enroll one crore more workers into the social security net. Employees earning up to Rs 25,000 will now have a mandatory PF contribution of Rs 3,917.
Just SIP, don't gulp or be thirsty
Investors are often encouraged to maintain their investments without reacting to market changes. However, substantial evidence suggests that pausing contributions under certain conditions can be prudent. Historical findings indicate that investors who blindly follow strategies may suffer significant losses.
EPF retirement corpus calculator: Rs 1,800 vs Rs 3,000 monthly contribution — how much more EPF corpus you may build in 30 years?
The recent announcement to elevate the EPF wage ceiling represents a significant advantage for employees. By contributing more each month, individuals can amass a larger retirement fund over their careers.
New bounce in EPFO trampoline: How the wage ceiling revision will change things
Social security, like a trampoline, not only catches you but also enables you to bounce back. The system's core is to provide workers with a fund to draw from in times of emergency or at retirement, so that a temporary crisis doesn't become a lifelong hardship and trap them in debt.
EPF wage ceiling at Rs 25,000: What it means for employees, employers and take-home pay
The Union Cabinet approved raising the EPF wage ceiling to Rs 25,000. This change impacts mandatory PF contributions for employers and employees. Actual PF contributions depend on an employee's defined wage structure. Employers must bear their increased PF share as a statutory cost. This enhancement aims to strengthen long-term retirement savings and social security.
Will your in-hand salary decrease after wage ceiling hike? Know why employers can't recover higher EPF contribution from these employees
The EPF wage ceiling limit has been increased to Rs 25,000 with effect from September 17, 2026. However, this does not mean that every employee will experience a lower take home pay. This is dependent on many factors like how much EPF contribution has been now, and others. Read the article.
Terrible at tracking finances and budgeting? CA shares a simple money system to stop Rs 10,000-Rs 20,000 from quietly disappearing every month
CA Nitin Kaushik says you don’t need to be naturally good at managing money if you have a simple system. He recommends tracking actual take-home income, dividing expenses into four categories, using 50/30/20 as a flexible starting point and assigning every rupee a purpose. He also advises setting specific financial goals, reviewing investments monthly and calculating net worth regularly to ensure money is moving towards your priorities.
Gold rate today (September 28, 2026): Check 24k, 22k, 20k and 18k gold jewellery prices from Malabar Gold & Diamonds, Joyalukkas, Kalyan Jewellers, Tanishq & IBJA in Delhi, Mumbai, Hyderabad & more cities
Gold rate today: Gold prices fell across major jewellery brands on Monday, September 28, 2026. Meanwhile, gold prices in the international and domestic markets have also come under pressure, with analysts pointing to rising bond yields, interest-rate expectations and continued uncertainty around the Strait of Hormuz.
Will this EPF insurance limit rise to Rs 10.50 lakh after EPF wage ceiling hike to Rs 25,000?
The government has approved raising the EPF wage ceiling to Rs 25,000. This change will significantly increase the Employees’ Deposit Linked Insurance coverage amount. Nominees could receive a maximum assured sum of Rs 10.50 lakh or more. The revised ceiling aligns social security thresholds with current wage levels. Employers should await formal notification for detailed implementation provisions.
₹25,000 EPF wage ceiling: What employees need to know about EPF, EPS and EDLI
The Employees Provident Fund Organisation has introduced a new wage ceiling of Rs 25,000, which will directly influence the contributions made by both employees and employers to the provident fund. Furthermore, subscribers of the Employees Pension Scheme can expect an increase in their monthly pension benefits.
Did you change your EPF nomination after marriage? Time to act is now, as it becomes invalid if you don’t
Did you realize that getting married may nullify your EPF nomination? This frequent oversight can lead to significant issues for your family. It’s essential to update your EPF nomination following marriage. Uncover who you can name as a nominee and how to ensure your family can receive their benefits effortlessly when they need them most.
Rs 1.68 crore investments, Rs 89,000 monthly MF SIP. Can this 40-year-old investor retire at 50?
A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two children’s education. With savings of Rs 1.68 cr from diverse investments, she plans to pay off her home loan by December 2026. Experts suggest she aim for a retirement fund between Rs 4-4.5 cr and adapt her investment strategy as her financial goals draw near.
