Written By: Danish
EPF grows your retirement corpus! You & employer contribute 12% each (8.25% interest). Build wealth tax-free!
Get monthly pension after 58! 8.33% of employer’s share goes to EPS. Minimum ₹1,250/month contribution.
Free life cover up to ₹7L! Employer pays 0.5% for EDLI. Family gets lump sum if employee dies in service.
• EPF: 12% from salary + employer • EPS: Needs 10+ years service • EDLI: No employee contribution
33 years service? Pension ≈ ₹7,072/month! Formula: (₹15,000 × service years) ÷ 70. Start early!
1. Tax-free PF withdrawal 2. Lifelong pension 3. Free life insurance
Log in to EPFO portal to track balances! Ensure nominations are updated for all 3 schemes.