EPF (Employee Provident Fund) - Calculation, Withdrawal Rules, Interest Rate

[@AssetYogi]

Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses.

[@panwartechnical]

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

[@SarcasticAssertive]

Being an HR leader in a leading MNC, I can say - One of the best videos on EPF understanding! Good one... Keep sharing

[@PremSingh-vh8ke]

How can I increase PF contribution, as Company is deducting only 1800. Thanks

[@kuldeepmishra5158]

MNC ka HR hai to kun sa teer mar liya,,,😂 bata to aise raha jaise bhagwan hai tu

[@swastikpaul7542]

Earlier, I Had many confusion regarding EPF, Thanks for the explanation!! Loved it !!

[@AssetYogi]

Keep learning

[@megachndn]

@@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.

[@akashhalder6816]

@@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.

[@sakthivelchinnasamy4976]

Thanks you Sir I have learnt EPF full detail You are good Teachers Sir You are Rock

[@AssetYogi]

Thanks for appreciation Sakthivel :)

[@anuragtrivedi2205]

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

[@AssetYogi]

Glad to hear that :)

[@MrAryanpink]

@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 👍

[@nikhilgarg3735]

Thanku Mukul Sir.......Full Informative....Value Addition......Confidence Build :)

[@AssetYogi]

Thanks Nikhil

[@soumsgaming238]

Though I am unemployed looking for a Job,bt still it's a good info👍👍

[@AssetYogi]

Thankyou Soumalya :)

[@TheSunny790]

Bahut shandar samajaya hai apne,mera maths + account itna khas nahi ,but ye samjane kay tarike se ek bar mai smj aa gya

[@AssetYogi]

Dhanyawad 😊

[@kuldeepchouhan1378]

Thank you sir for upload this video because there is more confusion about PF

[@mohitdubey1767]

Very good explanation with very useful information. Thank you

[@AssetYogi]

Keep learning Mohit :)

[@alleytechnology9245]

Jay Jagannath, Thank you for Ashokji Rout,

[@computeranalyst5737]

Thank you so much. I was struggling to understand this before.

[@popatherva6940]

माझी एक विनंती आहे तुम्ही जे सांगत आहेत ते पूर्णपणे सदस्याला समजलं पाहिजे त्यासाठी मराठी भाषांतर करणे खूप गरजेचे आहे असे मला वाटते 🙏🙏

[@Sharma-hd4gm]

Gajab This video will help me to understand how to calculate PF Thanks Bro

[@AssetYogi]

Keep supporting Rahul :)

[@suraj99991]

Very informative and helpful got to know a lot of things related to finances.

[@shafitabu4381]

My goodness.. Ur videos are just awesome. Gone through ur channel. Thnx 4 info

[@yatingun]

Excellent, I like your sessions, you explain very well. Thank you!

[@AssetYogi]

Keep learning

[@RajeshKumar-rc8mv]

PF main problem hai is number per call Kare 9199432354

[@tarun10008]

@@AssetYogi milega kitna baad me, 24% milega? Employee + Employer ka milake?

[@sushantr134]

Best Investment Advisor on KZbin

[@sjharia007]

बहुत ही शानदार Presentation.... 👌👍👍👍👍👍

[@AssetYogi]

Dhanyawad 😊

[@jyotigoutam5143]

Excellent, all crucial information is there.

[@seemabaghel1]

Very simple and detailed explaination... very good.

[@papukumarsahu3655]

You are beautiful de

[@amitagarwal9323]

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

[@democracyjusticegod404]

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 ?

[@newschannel3794]

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.

[@bhavikasoni1894]

Finance Guru of India- The Asset Yogi

[@dhirenderakumartiwari7087]

Aap ki awaaz bahut clear! and badhiya hai

[@AssetYogi]

Dhanyawad 😊

[@karanthakkar2206]

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!!! 😇🤘

[@sagarkataria9599]

Excellent explanation and way of speaking

[@devashreesawant6656]

Amazing explanation...Thanks a lot Sir

[@AssetYogi]

Keep learning 😊

[@pulkitbansal8096]

All of my doubts are clear now. Thanks a lot!

[@AssetYogi]

Keep learning 😊

[@nishashukla325]

Dear sir aapane bahut achcha information Diya Good sir

[@pankajgambhir5771]

Excellent communication skill

[@abhijeetpatil5081]

Thank you for such an awesome video. This is great service to society!!

[@1Himalayansoul]

Finally I got the concept. Thank You. :D

[@AssetYogi]

Keep learning Gauran :)

[@1Himalayansoul]

@@AssetYogi Sure I"ll.

[@rl5901]

Can u explain me option 2 employer contribution calculation?

[@easycraftideas8679]

Bahut achchhe se explain kiya sir aap ne. Very nice video

[@AssetYogi]

Thanks for appreciation

[@bhairavjain9210]

Very detailed and clean information. Keep making such videos.👍

[@AssetYogi]

Thanks 😊

[@Krunal27]

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.

[@ganeshvadke5300]

Amazing man with amazing knowledge

[@AssetYogi]

Thanks Ganesh 😊

[@jaikumar-de9tx]

Thank you Sir, for all this useful information.

[@busyshah]

Shandar video. Crisp and clear information.

[@AssetYogi]

Thanks

[@ruhipatil6385]

Concept clear kar di 🙏 thank u so much 🙏

[@AssetYogi]

Most welcome 😊

[@ruhipatil6385]

Esic ka bhi banaiye sir 🙏 your New subscriber

[@kuldeepgill2694]

Deeply explained, thank you 😊

[@AssetYogi]

Keep learning

[@Govindhraj78]

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.

[@rohit9265]

Thank you for wonderful explanation

[@AssetYogi]

Thanks 😊

[@indianlunchbox]

Perfectly explained, need a videos on , how much should be credited in Account after deducting EPF and ESI.

[@rightinformation8873]

Sir aap ka explain karne ki style hi alag.

[@AssetYogi]

Hope you like this video :)

[@rightinformation8873]

@@AssetYogi yes sir

[@riz00786]

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.?

[@subhamgoyal2327]

Of kaksa nakltia ha namber bija

[@itskunal4u]

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?

[@ghumarbybikanabaisa7881]

Hello sir pf amount or pension amount ek sath withdraw krwa skte h kya..?

[@trishambhubalua6547]

Yes

[@AnilDiscovery]

Yes

[@मुक्ता111]

बहुत लाभदायक व्हिडिओ ।👍👍

[@AssetYogi]

Thanks :)

[@mantushandilya9958]

On point knowledge, kya Baat Hai sir 🙏🙏🙏

[@yoyoanisingh321]

सर र्गे्चयुटी के बारे मे विडियो बनाए

[@wmchar]

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.

[@msidhardh3751]

B;

[@jivankalyan3536]

🙏🏻Sir please help me , can I talk about EPF issue, Mera concept kuchh alag hai, uske bare mein aapane ismein kuchh bataya Nahin hai

[@santhosh7642]

Congrats on 2 million subscribers

[@AssetYogi]

Thanks in advance 😄

[@pallabisingharoy1523]

Thank you so much very help full video 🥰❤️

[@AssetYogi]

Thank you, Pallabi.

[@amritrai45]

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!

[@indianmuslim4443]

Sir manually choose karne ka option rahta hai kya ki mai pf dena chahta hoon ki nahi, please reply ✨✨

[@sovonsen6512]

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.

[@dorathysandhya8514]

very well explained. Thank you.

[@AssetYogi]

You are welcome!

[@deepakgoel3036]

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. 🙏

[@deepikasharma9053]

subereb....thanku so much sir....explain beautifullyyyy....

[@AssetYogi]

Thanks Deepika :)

[@akhilknambiar]

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?

[@mostafamondal2798]

Yes, you have to start again

[@dipudipu7714]

K.

[@deepakpatel-tp4kp]

Thanks for the video, I have a question. I have contributed 50K in EPF and 150K in PPF. I know non- taxable amount will be only 150k but will I get interest on addional 50K PPF amount ?

[@swatigupta6946]

Yes

[@rgupta31]

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.

[@jagdishgyanchandani1988]

Nice informative and crystal clear video.

[@harjinderkour3817]

Very informative video, thanku sir 👍

[@IrshadKhan-dq3nd]

5 mahine 5 din hua hai paise ki jarurat hai but Mei agge bhi isi par uan no. chalana hai Kya kare

[@lalmatilalmati5194]

Best explanation sir .ek doubt clear kariye..agar kisi dusre govt service ko join kr liya jaye bina pahli service me resign kiye..to kya nya epf acount khulega ya pahle ka epf acount trace hokr problem create karega

[@akashvishwakarma1940]

Legal action hoga IPC 1988 ke section 2 de tahat

[@PappuYadav-de8mk]

T

[@madhavimishra9208]

Thanks a lot Sir.

[@AssetYogi]

Keep supporting Shruti :)

[@dibyaranjansahoo7767]

Love you dear

[@mohanjhanginia3115]

Very good knowledge provide by you 🙏

[@AssetYogi]

Thanks Mohan

[@abduza38501]

Very informative and simple explanation Sir!

[@AssetYogi]

Thanks 😊

[@yashpalkaran5916]

सर जी इपीएफ अकाउंट को कैसे ट्रांसफर करवाते हैं दूसरी कंपनी में काम करें तो

[@maheshhadkar8395]

7710024369

[@Kalyanadduriak]

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)

[@lalitdogra22]

Why does the employer need to make any contribution for the employees’ retired life? What does an employer get in return? And from where is an employer’s money deducted?

[@maysanghai123]

Employer's contribution is also part of your salary package, so in a way you yourself are paying it. That's my understanding, please feel free to correct me if I'm wrong.

[@songwrightersabbibai1766]

Jankari k lea shukria ji 🙏🙏👍👍

[@mdfiroj_72]

Thank You for your well explaination.

[@AssetYogi]

Glad it was helpful!

[@Mrperfect1996rad]

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

[@vipulsinghal518]

Minimum limit is fixed as rs. 15000 but for maximum, you can opt as per your suitabilitu

[@jitenvaghela9336]

Hello sir Thanks for sharing your knowledge with us. It helps us a lot. I have an EPF account and I have claimed from my previous employer to transfer my EPF amount to my new employer account. The problem now is that the Old employer is not cooperating with me and he has not accepted my claim. Is there a process for canceling the claim or if the employer does not accept the claim within that particular period, such as a deadline for acceptance of the claim, then the claim will be automatically canceled. Would you please help me with this? Is there a way to get that amount? Thanks in advance

[@ManishKumar-np1kn]

I am also facing similar situation< please let me know if you got any solution

[@reshmajoedabre9629]

I am having two EPF account. Now I want to merge my previous account to current account. Is it possible

[@maheshgaikwad3390]

Hi Sir, I am contributing 2.5lac per year as a part of EPF+VPF, do I need to pay tax for the amount more than 1.5lac, that is for 1lac. Can you please update?

[@pankajpareek597]

You need to update your pan card

[@omprakashpandit9722]

Ok

[@Spmdiamond]

Nice fully understood thnk uuu sir

[@AssetYogi]

Most welcome

[@Spmdiamond]

Sir Eps barein mein ek vdo banayi hai please , withdrawal benefits etcc

[@Milan_KK_SRK]

Excellent information!! Thanks much for sharing the valuable information..🙏🙏😊😊

[@AssetYogi]

Keep learning

[@hellfrg]

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

[@rajgopalmallan708]

What to do if the employer is not depositing EPF regularly?

[@raviameria1589]

I am a government contractor here is no permanent labour but registered in EPF so could not apply return from last two years what should I do?

[@ashirwadjoshi4359]

I read about the voluntary PF (VPF) and thought of it as a low risk & good long term plan along with tax saving. While I am planning to go for it by increasing the % from 12 to something more, could you please create a tutorial on this and tell us if its a good option to go with . Thanks in advance ;)

[@AnilSharma-pl6cw]

Yes you can go for it and is good for long term. But as per new rules if your contribution is more than 2.5 lac per year then the interest on amount deposited above 2.5 lac will be taxed

[@AshirwadJoshi]

@@AnilSharma-pl6cw Thank you ! :)

[@missnishu4117]

Wow sir bahut hi achhe se samjhaya hai aapne

[@AssetYogi]

Thanks Nishu.

[@yogeshnarayannarayan6323]

Thank you sir for making most valuable video......... 🙏

[@AssetYogi]

Thanks 😊

[@arunraghuwanshi4947]

There is no rule about epf for private company. They have their own rules regarding epf.

[@rayondavid2031]

Right

[@erashishsachdeva13]

Well Explained...!!

[@jitendrasawant3872]

Thank you bro good video it’s very knowledgeable, ek question tha, meri old company me mera PF contribution kitna tha ye meri new company pata kr sakti hai ky UAN se??? Agar ha to kaise??Plz answer this question

[@sonikamehto]

Total salary jitni bnti hai unme se jitna apko mil jati h uske bache jitna b hoga vo apke pf m jate h.. Mtlb totel salary k 12 percent lekin company wale pure paise pf m nhi dete

[@navinshriwastava5362]

@@sonikamehto to kya hm bina epf me apna paisa diye puri salary nhi le sakte🥲.isse accha to puri salary leke 12% ko mutual funds me daalo

[@juliancammiade3042]

Sir if u can show more calculations would be helpful for us....very informative thank u

[@shahrukhsaifi1927]

Dear sir You completely explained this It's very helpful to me

[@AssetYogi]

Keep learning

[@vishallad4623]

Aisa lag raha hai match sir padha Rahe hai School wali feeling a rahi hai

[@manojdas847]

Math not match 😂😂😂

[@gamepaypoint]

Kabhi school gaye ho match

[@laxmisharma840]

Thank u for informative vdo. Sir currently govt has released n offer to get 3 month pf advance .. can u pls help to explain tht what does that mean.

[@vivekdnyandeoshinde6704]

Sir your all videos are great👍👏

[@AssetYogi]

Thanks Vivek 😊

[@devindersingh634]

Thanks sir..and Please detailed information about TDS.

[@tusharhalder7251]

PF 24% katta hai kay.....? 15000 se kam salary. Central minimum wages

[@soumsgaming238]

12% of (Basic Salary+DA)Employee contribution

[@tanoychattoraj8579]

Respected Sir, On last 31/03/2020 I had applied for pf advance for outbreak COVID 19 . My claim was passed in 8th of April. In the portal it is showing that claim is settled though NEFT. But till day I didnot receive any amount. When I tried to regigter a complain in EPFO PORTAL the portal is not working. Kindly guide me what to do now.

[@trendingsoup9821]

Tanoy Chattoraj did u get it ?

[@tpthakur7387]

ॐ श्री गणेशाय नमः ॐ भगवते वासुदेवाय नमः सत्यमेव जयते, वंदे मातरम् जय हिन्द .... लोक लुभावन बंदर बांट, भ्रष्टाचारियों की सांठ गांठ अब नहीं चलेगी... अभी हिंदुस्तान में हैं योगीजी और मोदी जी। भ्रष्ट हो रहे नष्ट, देश हो रहा उत्कृष्ट... काला धन हो रहा जब्त, विभिन्न कर हो रहे कम... पप्पू सिब्बल सोनिया भी बोल रहे जय श्री राम,जय हिंद, वंदे मातरम... ईमानदार, वफादार, शिक्षित व सुसंस्कारी बनेंगे हम... अपराधियों व भ्रष्ट जज पुलिस वकील पेशगार के निकलेंगे दम... पंचायत तंत्र मजबूत कर थाने व न्यायालय को कर देंगे ख़तम । सुबह शाम बोलेंगे जै श्री राम जय हिन्द वंदे मातरम्..... 🌹 🌹 🌹 सभी सज्जनों व देश प्रेमियों को राम राम... शुभकामनाएं...

[@ashvinpatel-mj7qp]

Pensions 1800 cut ta hai har month to pension kitana OR kitana Exammple =60%40% retairment ke bad wedroval kiya to Kitana Pensions mile ga.... Thankuy sir

[@hitendranathbarman6062]

সস্তসসস

[@RAVISHANKAR-og2ff]

Dear Sir very nice information epf so thank you for your support

[@AssetYogi]

Keep learning 😊

[@amoldhunde699]

Detailed information👍👍👍👌

[@AssetYogi]

Thank you 😊

[@VikashSharma-tt6nr]

Thanx for sharing usefull information sr But some companies deduct ( employer & employee contribution) both from employee monthly salary .... Is the company can do this or it is wrong

[@ruhisaikia2432]

सब एक ही थाली के चट्टे बत्ते है साला सब पेसा खाता है आधा हम लौग का हक़ छीनता है