EPF Articles

Provident Fund
December 19, 2019
New PPF rules announced; 6 things you need to know

The Government of India has replaced the Public Provident Fund (PPF) Scheme, 1968 with the Public Provident Fund (PPF) Scheme, 2019. Here are the major changes

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Home loan repayment
November 5, 2019
4 things to remember when you repay home loan with provident fund money

Pay attention to the cost of the home loan after adjusting for income tax benefits; EPF subscribers above 50 years of age should avoid using PF meant for retirement to repay the home loan

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Personal finance round up
September 25, 2019
News roundup: Pay health insurance premium as EMIs, PF interest at 8.65% notified, insurance firms get flexibility to fix premium

Here is a round up of key developments in insurance, home loans, and employee provident fund

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Provident fund
September 18, 2019
Festival cheer for PF holders with EPFO set to credit 8.65% interest in over 6 crore EPFO accounts

Once the proposal is okayed by the Finance Ministry, which is expected soon, the EPFO would credit the interest amount at 8.65% rate in subscriber accounts as against 8.55% earlier

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Thumbs down
August 28, 2019
Govt proposal to cut worker’s contribution to EPF is a bad idea as it will badly dent your retirement corpus

The proposal by the Labour and Employment Ministry to reduce worker’s contribution to the Employees’ Provident Fund to improve in-hand salaries is not a good idea

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Provident Fund
March 1, 2019
Special allowances to be subject to PF deductions, may affect your take home

The SC ruling may impact your in-hand salary, especially if your basic salary is below Rs 15,000/month. We measure the impact

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Public Provident Fund
February 25, 2019
Should you allocate more to PF with interest hike? Depends on risk type, life stage

Our view is VPF is good for people above 45 years. For youngsters, there is little merit in having large debt allocations in the form of VPF even if the interest rate is 8.65% and tax free

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EPFO interest rates
February 21, 2019
EPFO hikes provident fund interest rate to 8.65% from 8.55%

Higher EPF interest means Rs 7 lakh more for a 25-year old who contributes Rs 5000/month till 60, assuming the PF contribution and interest remains the same

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Personal finance
July 10, 2018
PF alert: EPF withdrawal changes, interest-free loan from employer taxable

We update you on new rules for EPF withdrawals during unemployment and on the taxability of an interest-free employer loan

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epfo
June 27, 2018
Withdraw 75% of your EPF balance within a month of unemployment

The Employees’ Provident Fund Organisation (EPFO) has loosened up withdrawal rules for the EPF account

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