Employees Provident Fund

EPF corpus from a ₹50,000 salary can grow substantially over 20 years through disciplined contributions, employer support and compounding, potentially reaching ₹40–60 lakh with salary increments.

Interest accrued on the accumulated balance, post cessation of employment, the period when no contribution is made to the EPF, is taxable.

Retirement planning can benefit from PPF, EPF, and VPF, which offer high interest rates and tax exemptions. PPF provides guaranteed returns at 7.1%, while EPF and VPF have 8.25%. Contributions to these schemes are eligible for tax benefits under Section 80C.

LG moved the Supreme Court after the Delhi High Court in November 2025 upheld the validity of the rules, holding that the central government has the power to extend the EPF scheme to foreign nationals working in India. The High Court dismissed petitions filed by LG Electronics and SpiceJet.

The compound interest is credited by EPFO on a monthly running balance basis at the statutory rate declared for each year. For 2024-25, EPFO declared an interest of 8.25%.

The latest UAN linked to your last employer should be retained, and the older one linked to your first employment must be merged

Here is a step-by-step guide for EPFO subscribers to update the date of leaving their job.

The EPFO wage ceiling is the maximum monthly basic salary on which mandatory PF contributions and EPS are calculated, and is governed by the retirement funds body.

To transfer your PF online, log in to the EPFO portal and submit a transfer request. For a successful claim, ensure both previous and current member IDs are accessible in the EPFO database.

Take a look at what premature withdrawal means in EPFO and what the recovery process norms look like if the withdrawals are undertaken in a wrongful manner. Here's what EPFO can legally do if you use the funds for any other reasons…