Life throws surprises. A job pause, a hospital bill, or an urgent family trip can arrive without warning. An Emergency fund calculator helps put a number to that “just-in-case” money so an investor does not scramble later. For emergency savings India has its own realities: joint families, single-income homes, and rising health costs. A clear […]

Introduction If you’ve ever looked at your salary slip and wondered, “Wait, why is my take-home less than my CTC?” — chances are, a part of it went into your Employees’ Provident Fund (EPF). Think of EPF as a money jar you’re not allowed to open right now. You put some money in every month, your […]

Whether you’re planning a big expense, switching jobs, or simply want to keep track of your savings, checking your EPF balance is an important step. With the Employees’ Provident Fund (EPF), a small portion of your salary is regularly set aside for your future — and keeping tabs on it is now easier than ever. […]

PF Claim Status (Introduction) For salaried employees, tracking pf claim status ensures peace of mind during withdrawals or transfers. The Employees’ Provident Fund Organisation (EPFO) now allows members to file, track, and resolve claims digitally, so most updates arrive without visiting a counter. This guide keeps the process simple while covering both online and offline […]

Ever left a job before completing 10 years of service? Or planning to switch, but unsure what happens to your pension money? That’s where EPF Form 10C comes in. This form helps you either withdraw your pension amount or get something called a Scheme Certificate (more on that in a bit). It might sound like […]

Introduction You know that small cut from your salary every month that goes into your PF? It may seem like it quietly disappears — but it’s actually building up to support you later in life. But what if you need that money now? Maybe there’s a medical emergency, your child got into college, or you’re […]

EPF Form 5 is a simple monthly return used by an employer to tell the Employees’ Provident Fund Organisation (EPFO) about everyone who became an EPF member for the first time in the previous month. Think of it as a fresh-joiners list. When HR follows EPF Form 5 properly, the new employee’s UAN and PF […]

Let’s be honest—most of us don’t really think about our EPF until we either change jobs, file taxes, or someone reminds us that it’s actually earning interest. If you’re here, you’re probably wondering: “Has the EPF interest been credited for 2025?” “What’s the current rate?” “And is there an easy way to check how much interest I’ve earned?” […]

If you’re a salaried employee, chances are you’re contributing to your EPF every month. It’s one of those things that quietly works in the background — deducted from your salary, matched by your employer, and slowly building up into a savings pool for your future. But here’s the thing: most of us don’t really pay […]