EPF (Employee Provident Fund) - Calculation, Withdrawal Rules, Interest Rate
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- Опубликовано: 30 июл 2024
- EPF or Employee Provident Fund contribution calculation, withdrawal rules, interest rate, and benefits are discussed in this Hindi video.
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EPS or Employee Pension Scheme is also a type of account that is opened with an EPF account in India. Both Employee and Employer make equal contributions to the EPF account. EPF balance can be checked online by any EPF member and EPF payment is also done online directly to your Bank account.
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Time Stamps
00:00 Introduction
01:11 Applicability
01:42 Benefits of EPF
03:49 Withdrawl Process and conditions
05:35 Points to remember in EPF investment
06:46 Percentage of salary contribution required in EPF
09:02 What if your salary is less than ₹15000?
09:48 What if your salary is More than ₹15000?
इस हिंदी वीडियो में ईपीएफ या कर्मचारी भविष्य निधि योगदान गणना, निकासी नियम, ब्याज दर और लाभों पर चर्चा की गई है। ईपीएस या कर्मचारी पेंशन योजना भी एक प्रकार का खाता है जो भारत में ईपीएफ खाते के साथ खोला जाता है। कर्मचारी और नियोक्ता दोनों ईपीएफ खाते में समान योगदान करते हैं। ईपीएफ बैलेंस किसी भी ईपीएफ सदस्य द्वारा ऑनलाइन चेक किया जा सकता है और ईपीएफ भुगतान भी सीधे आपके बैंक खाते में ऑनलाइन किया जाता है।
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What is Employee Provident Fund (EPF) Scheme ?
How to Calculate EPF Contribution ?
How to withdraw money from EPF ?
What is Employers contribution in EPF ?
What is Employees contribution in EPF ?
What is Employee Pension Scheme (EPS) ?
What’s the difference between EPF & EPS ?
How to check EPF Balance ?
How to claim EPF amount?
EPF detailed explanation video.
What is Universal Account No. (UAN) in EPF ?
What is Employee deposit Link Insurance (EDLI) Scheme ?
How much interest is provided on EPF ?
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Hope you liked this video “EPF (Employee Provident Fund) - Calculation, Withdrawal Rules, Interest Rate?”. 
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@AY, first of all a big thanks to you, I happened to come across tons of videos regarding the same subject, but yours is really profound and easily understandable and you had given efforts to cover all the details, keep up the good work. Subscribed 👍
Thank you so much. I was struggling to understand this before.
Earlier, I Had many confusion regarding EPF, Thanks for the explanation!! Loved it !!
Keep learning
@@AssetYogi But, if the basic salary of the employee is more than 15000, then he is not eligible to pension and entire employee and employer contribution shall remain in the Provident Fund and no diversion to EPS shall be made for all new PF members on or after 01/09/2014 having salary more than 15,000/-P.M at the time of joining.
@@AssetYogi How to check EPS account, how to get access to that?
I can check my EPF account details from UAN number, but I have no idea on EPS account. Please assist.
My goodness.. Ur videos are just awesome. Gone through ur channel. Thnx 4 info
Thank you for such an awesome video. This is great service to society!!
Jay Jagannath, Thank you for Ashokji Rout,
Being an HR leader in a leading MNC, I can say - One of the best videos on EPF understanding! Good one... Keep sharing
How can I increase PF contribution, as Company is deducting only 1800. Thanks
Thank you Sir, for all this useful information.
Excellent coaching sir. Thanks for the information..
Thank you sir for upload this video because there is more confusion about PF
Very informative and helpful got to know a lot of things related to finances.
Excellent, all crucial information is there.
Thanks you Sir
I have learnt EPF full detail
You are good Teachers Sir
You are Rock
Thanks for appreciation Sakthivel :)
Sir ji
Aap bahut achha samjha te ho ki
Sab log apne aap he like aur share karenge
Aur kuch log jo like he nhi karte wo karenge he nhi
Bahut shandar samajaya hai apne,mera maths + account itna khas nahi ,but ye samjane kay tarike se ek bar mai smj aa gya
Dhanyawad 😊
Excellent, I like your sessions, you explain very well. Thank you!
Keep learning
PF main problem hai is number per call Kare 9199432354
@@AssetYogi milega kitna baad me, 24% milega? Employee + Employer ka milake?
Good Hardwork for this useful information..
But this is incomplete information about EPF & EPS
so please get full information and make new special video asap.
On point knowledge, kya Baat Hai sir 🙏🙏🙏
Jankari k lea shukria ji 🙏🙏👍👍
Excellent communication skill
Thanks for valuable information.
I have one doubt, what is the reason behind dividing employer contribution in two parts (EPF and EPS). Is there be any benefit of employee/employer in doing so? Please suggest.
Dear sir aapane bahut achcha information Diya Good sir
So simply Explained Thanks For This Video 🙏
Sir this is really help full 🙏🏻
Very good explanation with very useful information. Thank you
Keep learning Mohit :)
Gajab
This video will help me to understand how to calculate PF
Thanks Bro
Keep supporting Rahul :)
माझी एक विनंती आहे तुम्ही जे सांगत आहेत ते पूर्णपणे सदस्याला समजलं पाहिजे त्यासाठी मराठी भाषांतर करणे खूप गरजेचे आहे असे मला वाटते 🙏🙏
U create most important topics in your channel
Thank you for appreciation. Ankit
Well Explained...!!
Perfectly explained, need a videos on , how much should be credited in Account after deducting EPF and ESI.
All of my doubts are clear now. Thanks a lot!
Keep learning 😊
Excellent explanation and way of speaking
Amazing man with amazing knowledge
Thanks Ganesh 😊
Great it was clear everything. thanks for the video sir.
Keep learning Amit
Bahut achchhe se explain kiya sir aap ne. Very nice video
Thanks for appreciation
I am working as railway contractor. Generally 5-6 employees are there with me. The work is generally 15-20 days in a month & sometimes there's a gap of 1 month in starting work. I needed to have epf & esic account for compliance purpose. Kindly instruct me in such condition,how to go forward?
Hi Sir,
As I have checked my EPF passbook, the whole deduction (24% of basic) is equally divided under Employee and Employer EPF only. But the amount under EPS is 0, Is it ok to be like this or does it require any action to be taken? Please suggest
Sir if u can show more calculations would be helpful for us....very informative thank u
Very nice sir aapka samajhane ka tarika bhut achha lga kayi dino se isi jankari ko lekar mai kai chanalo pr bhatak rha tha but sateek jankaree n mil panne ki vjh se presan tha . Ab to aapka scriber bhi ho chuka hoo
Glad to hear that :)
Thanku Mukul Sir.......Full Informative....Value Addition......Confidence Build :)
Thanks Nikhil
Thanks for this Knowledge full video and let us know about EPF .so Thanks and keep doing good work. God bless u
Thank you Sanjeev
Keep supporting
Dear Yogi sir, Could you please describe some knowledge about interest percentage of deducted EPF pension contribution amount.
Wow sir bahut hi achhe se samjhaya hai aapne
Thanks Nishu.
As per latest supreme court ruling now the PF calculation is not basic plus DA... It's now total salary less HRA hence request you to correct me if my info is wrong... And if the development is correct then kindly share updated version of the video... Keep doing good work as it's worth watching your videos... Cheers!!! 😇🤘
Hello @Asset Yogi, thanks for the clear understanding of EPF working. Until now, I was having doubts on why the company was deposting only 1/3rd of the Rs 1800, as the employer also need to pay the same amount as it is getting deducted from employee. Very good explanation sir.
Also, @Asset Yogi, I would request u to kindly let us know or more better, make a video on, whether we will get the interest upon retirement, will be taxable or not. Thanks!
Sir manually choose karne ka option rahta hai kya ki mai pf dena chahta hoon ki nahi, please reply ✨✨
EPF is totally tax free on investment and maturity as well. Yes employees get interest around 8-9% changed by the govt from time to time . Currently the interest rate on EPF is 8.15% for this quarter.
Thank you sir for making most valuable video......... 🙏
Thanks 😊
Best Investment Advisor on RUclips
Deeply explained, thank you 😊
Keep learning
Thank you sir. Can u please make a video on VPF. Voluntary PF... if interest earned on is totally tax free at retirement or while withdrawing. Thank you.
Very nice information on the excess amount to be deposited
बहुत ही शानदार Presentation.... 👌👍👍👍👍👍
Dhanyawad 😊
Finally I got the concept. Thank You. :D
Keep learning Gauran :)
@@AssetYogi Sure I"ll.
Can u explain me option 2 employer contribution calculation?
Thank you for wonderful explanation
Thanks 😊
Thank you sir your videos are very helpful for us
Aap ka video super se v upar hai sandar zabardast jindabad
Thanks
Thanks for the reply for the question asked on previous video as when epf interest gets credits in EPF accounts of employees. I request you to make a another video on topic "whether the epf/vpf is the best investment option for private sector employees" should employees invest or contribute more than 12% of their basis wage. Also please suggest which investment option is better ppf or vpf.?
Of kaksa nakltia ha namber bija
Thank you so much sir.. For such a fabulous video.. You are doing great job..
Kya EPF mai deduction hm year wise change kr skte h like.. Is year 5000 per mnths then nxt yr 10000 again nxt yr 5 thousands as per my suitability.. Kindly reply
Minimum limit is fixed as rs. 15000 but for maximum, you can opt as per your suitabilitu
Great sir
Thank so much for this important video ❤️
Sir, an awesome explanation and understandable.
Sir, can you prepare a video on ESIC!!
Sirji.. Excellent, detailed one..still Few Questions raised
1. During Covid-19, How much can I withdraw, when current contributions are : 1800 from current Employer, 1800 from employee + VPF(12% of Basic) from employee ?
2. What is Taxability, if EPF deduction is more than 80C limit of 1.5 Lakh ?
3. What is Taxability, if VPF deduction is more than 80C limit of 1.5 Lakh ?
Under Section 80C of the Income Tax Act, 1961, employees are eligible for tax benefits of up to Rs. 1.5 lakh. The interest that is generated from these contributions is also exempt from tax. However, in case the rate of interest is more than 9.50% p.a., the amount will be taxable.
Very nice. Crystal clear explanation. Thank you. 👌👌👌👍😀
Thank you 😊 Madhu
Very good explanation, Thank u Sir.
Keep supporting Akhilesh :)
Awesome video sir....... sab smj aa gyaaa.. thanks a lot
Keep supporting Rajan :)
Sir
I got a great information with this video. Thanx.
Plz Clear More on at the time of withdrawal in job / ret. And Can EPS withdraw or i get pension (Age) limits. 🙏
very well explained. Thank you.
You are welcome!
thank you sir very good advice iam yery happy namaskar
very good video, Thanks for the explanation
सर र्गे्चयुटी के बारे मे विडियो बनाए
🙏🏻Sir please help me , can I talk about EPF issue, Mera concept kuchh alag hai, uske bare mein aapane ismein kuchh bataya Nahin hai
Kindly discuss the impact of supreme court decision 2019 on EPF
Informative. Thank you 😘
Thanks Ashwin
Though I am unemployed looking for a Job,bt still it's a good info👍👍
Thankyou Soumalya :)
Very simple and detailed explaination... very good.
You are beautiful de
Sir mera employer mujhe mera au no.nahi de rha h or na hi mera pf de rha h to m Kya karu mujhe bataye
Very detailed and clean information. Keep making such videos.👍
Thanks 😊
Nice informative and crystal clear video.
It's such a complicated topic. Thanks for sharing useful information.
Can you please clear one thing: When you resign after continuing a job for more than 5 years and try to withdraw the EPF amount, is it tax free for the entire 5 years of deposits?
Very well explained, but you should have talked about Voluntary Provident Fund as well. If someone wants to invest more money, one can put maximum 100% of his basic salary into his/her EPF account.
It was very helpful, thanks a lot
Finance Guru of India- The Asset Yogi
Hello sir pf amount or pension amount ek sath withdraw krwa skte h kya..?
Yes
Yes
Amazing explanation...Thanks a lot Sir
Keep learning 😊
Thanks Sir !very useful vedio
Behtarin calculation
Sir, I liked your video but there is one query I have. Due to new government rule pf is applicable on Basic and other allowance w.e.f. March 2019. Please check and confirm.
Very well explained👏👏 Sir! Please make video on ESI also...
Will make it soon Sumit
very informative vedio sir
Thank u so mch sir...
Shared this golden information with us...👌
Thankyou 😊
PF main problem hai is number per call Kare 9199432354
Perfect btaya ji
Thanks Mayank :)
Sir, you have created such an informative video. Please accept my heartfelt thanks for that. I quit my job in may 2018 and did not take a new employment. I observed that interest is not credited in my pf passbook for march 2019. I want to withdraw my 100% pf now. Should I wait for the interest to get credited? Is my account eligible for interest, being dormant for 10 months? Thanks.
B;
Hello Sir, I've noticed that whenever I change my organization the amount of NPS doesn't get transferred to new company...Am I missing something here? Or is it just another form of corruption?
Very informative video, thanku sir 👍
Very informative and simple explanation Sir!
Thanks 😊
Hi., I don’t want to transfer my PF amount to new employer. Can I leave that amount with old employer? And is that possible to withdraw that amount in future.( my old employer is having their own trust)
Thanks a lot Sir.
Keep supporting Shruti :)
Love you dear
Very Informative video sir you are the best
Thanks sir..and Please detailed information about TDS.
Sir can you please make a video on bonus act. Please it's also important for employee.
Noted your topic suggestion Nishant
One question. I had completed 5 years and then I withdrew from my PF and EPS account. Now I joined again and started contribution. Does my 5 year start again. What is the case with EPS?
Yes, you have to start again
K.
Very well explained now I have a better understanding on EPF.
One suggestion kindly prepare a follow- up video on how to use EPFO App to view the amount deposited.
बहुत लाभदायक व्हिडिओ ।👍👍
Thanks :)