Naukri karne wale har vyakti ki salary se har mahine PF ka paisa kat-ta hai — lekin bahut se logon ko yeh nahi pata ki EPF kya hai, is par kitna byaaj milta hai aur zaroorat padne par paisa kaise nikala jaata hai. Is guide me hum EPF ke niyam, 8.25% byaaj, PF balance check ke tarike aur nikasi ke niyam aasaan bhasha me samjhayenge.
EPF Kya Hai?
EPF (Employees’ Provident Fund) naukri-pesha logon ke liye retirement bachat yojana hai, jise EPFO (Employees’ Provident Fund Organisation) chalaata hai. Har mahine aapki basic salary + DA ka 12% EPF me jama hota hai, aur employer (company) bhi 12% ka yogdaan deta hai — jisme se 8.33% pension yojana (EPS) me aur 3.67% EPF account me jaata hai.
PF Par Kitna Byaaj Milta Hai?
Vitt varsh 2025-26 ke liye EPF par 8.25% saalana byaaj ghoshit kiya gaya hai. Yeh dar EPFO ke Central Board of Trustees ki 2 March 2026 ko hui 239vi baithak me tay hua, aur Vitt Mantralaya ki sahmati ke baad laagu hua. July 2026 se byaaj kiston (batches) me khaaton me jama kiya ja raha hai. Byaaj ki ganna mahine ke running balance par hoti hai, lekin yeh saal me ek baar account me jama (credit) hota hai. Adhikrit jaankari ke liye EPFO ki official website dekhein.
PF Balance Check Kaise Karein?
- EPFO passbook: passbook.epfindia.gov.in par UAN aur password se login karke apni passbook dekhein.
- Missed call: UAN se registered mobile number se missed call dekar balance jaaniye.
- SMS: UAN se registered mobile se SMS bhejkar balance ki jaankari lein.
Note: In suvidhaon ke liye aapka UAN (Universal Account Number) active hona aur KYC poora hona zaroori hai.
PF Ka Paisa Kab Nikal Sakte Hain?
- Retirement par poori rashi nikali ja sakti hai.
- Berozgaari (unemployment) ki sthiti me niyamon ke anusaar nikasi ki ja sakti hai.
- Vishesh zarooraton par aanshik nikasi allowed hai — jaise medical emergency, ghar khareedna ya banana, bachchon ki padhai ya shaadi.
EPF Par Tax Ke Niyam
Agar kisi vitt varsh me karmchari ka kul yogdaan ₹2.5 lakh tak hai, to us par milne wala byaaj poori tarah tax-free hai (yeh niyam FY 2021-22 se laagu hai). Is seema se zyada yogdaan par milne wale byaaj par tax lagta hai.
EPF Se Judi Zaroori Baatein
- Naukri badalne par PF account ko naye employer ke saath transfer karna na bhoolein — aapka UAN wahi rehta hai.
- Retirement planning ke liye NPS vs Mutual Fund SIP ki tulna bhi padhein.
- Finance se judi aur upyogi jaankari ke liye hamara Finance section dekhte rahein.
Yeh sirf jaankari hai, financial advice nahi hai.
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