Your EPF money will be invested in equity : Rebalance your portfolio

Not that you have any choice, but you should be aware that your corpus of Employee Provident Fund(EPF) (+VPF) which you have been accumulating over many years, is now going to be exposed to equity market. This move has its own merits and demerits. You must understand what's happening to your money, and you may also need to rebalance your portfolio to the extent of your money movement from a debt based investment (EPF) to equity based investment...read on...

Sukanya Samriddhi Yojana (SSY / SSS) Vs Public Provident Fund (PPF)

Many parents plan to invest in the PPF and fixed deposits for their little one's education or marriage. Things could be changing here, especially if you are blessed with a fairy, rather than a brat :) The Sukanya Samriddhi Yojana (SSY) could just be a better alternative...read on...

Working in private sector? Your pension (EPS) is getting accumulated..

In a recent survey by a leading financial magazine, it came out that almost 60% of the respondents were unaware that private-sector employees covered by the employee Provident Fund (EPF), are also eligible for lifelong pension. More than 30% of these unaware respondents had already contributed Rs. 65,000-1 lakh of their hard earned money to the Employees' Pension Scheme (EPS) till now. Want to understand about this EPS pension scheme?...read on...

New Kisan Vikas Patra KVP 2014 Vs other Debt based investments

Kisan Vikas Patra (KVP) has been in news off late considering that it has been revamped and relaunched by the government with some seemingly attractive features...but is it good enough? Have a look at the comparison between the revamped KVP and other commonly available investment tools...

What is the meaning of Taxation Regimes - EEE EET ETE TEE

There are different systems for tax exemption / deduction of investments, and for taxation of the income earned from it, like Exempt – Exempt – Exempt (EEE) or Exempt – Exempt -Taxed (EET).

What do these combinations mean? Which investment option follows which taxation regime? A fundamental understanding can help us select the right investment tool...Read on...

What is Universal Account Number / Permanent PF Account Number

Get ready employees. Your Universal Account Number will soon be holding your maximum wealth after October 2014...read on..

Withdrawal or Advance from Employee Provident Fund (EPF)

Almost all salaried people contribute a certain percentage of their salary towards their Employee Provident Fund (EPF) account every month. While most of us know that EPF is an effective tool that helps generate a corpus for life post retirement, many of us are unaware that you can make a withdrawal from your EPF account for urgent cash requirements....Read on...

Voluntary Provident Fund (VPF)

For risk-averse investors who want to invest for their retirement, Public Provident Fund (PPF) seems to be a good choice. But considering there is a limit on the maximum amount that you can deposit in your PPF account every year, and that inflation will certainly undo part of your wealth creation effort, you need other options to augment your savings.

Welcome to online EPFO : Balance, Transfer, Claim, e-Passbook

I have experienced, as many of you would have, the painful months / years it used to take to move our EPF (Employee Provident Fund) account balance from one company to other, while keeping our fingers crossed during this long journey of money transfer. The complex forms, unsure claim settlement, a balance statement which was delayed by at least 2 years - all these are things of the past !! 

Welcome to the all new, fast, reliable, dynamic online EPFO.