📖 VG Khabar
Employees’ Provident Fund (EPF) har salaried employee aur unke employer ka monthly contribution hota hai jo retirement ke baad financial security deta hai.
Lekin EPF se paisa nikalne ke specific rules hain. Is guide mein hum 2026 ke updated EPF withdrawal rules, online claim process aur tax implications samjhayenge.
EPF Mein Kya Hota Hai? Aapki basic salary ka 12% EPF mein jaata hai aur employer bhi 12% contribute karta hai (jisme 8.33% Pension Scheme/EPS mein aur 3.67% EPF mein jaata hai).
Yeh paisa EPFO (Employees’ Provident Fund Organisation) ke paas jama hota hai aur har saal interest milta hai — recent rate around 8.25%.
Full EPF Withdrawal Kab Kar Sakte Hain Retirement par — 55 saal ki age ke baad full balance withdraw kar sakte hain 2 mahine se unemployed hone par — agar continuous 2 months job nahi hai to 100% withdraw kar sakte hain Job change ke baad — agar puraana EPF account transfer nahi karna chahte (recommended nahi hai) Permanent disability ya migration abroad ke case mein Partial Withdrawal (Advance) — Specific Reasons Job rehte hue bhi kuch specific situations mein partial withdrawal allowed hai: Medical Treatment: Self ya family member ki gambheer beemari — basic wages ke 6 month ya employee contribution, jo kam ho Marriage: Apni shaadi ya bhai-behan/bachchon ki shaadi — 50% tak (7 saal service ke baad) Higher Education: Self ya children ke liye — 50% tak (7 saal service ke baad) Home Purchase/Construction: 36 mahine ki basic salary + DA tak (5 saal service ke baad) Home Loan Repayment: 90% tak balance (10 saal service ke baad) Home Renovation: 12 mahine ki basic + DA tak (5 saal service ke baad) Unemployment: 1 mahine unemployed hone par 75% advance Online Withdrawal Process — Step by Step Ab EPF withdrawal puri tarah online ho gaya hai aur 3-7 working days mein paisa account mein aa jata hai.