"EPFO Benefits: Pension, PF & Insurance!"

Written By: Danish

EPF grows your retirement corpus! You & employer contribute 12% each (8.25% interest). Build wealth tax-free!

Savings

Get monthly pension after 58! 8.33% of employer’s share goes to EPS. Minimum ₹1,250/month contribution.

Pension

Free life cover up to ₹7L! Employer pays 0.5% for EDLI. Family gets lump sum if employee dies in service.

Insurance

• EPF: 12% from salary + employer • EPS: Needs 10+ years service • EDLI: No employee contribution

Rules

33 years service? Pension ≈ ₹7,072/month! Formula: (₹15,000 × service years) ÷ 70. Start early!

Example

1. Tax-free PF withdrawal 2. Lifelong pension 3. Free life insurance

Benefits

Log in to EPFO portal to track balances! Ensure nominations are updated for all 3 schemes.

Action

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