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Employee aur employer contribution, interest, aur withdrawal ke niyam
Published by The Retail Trader · JUL 22, 2026 · Retirement & Insurance
Salary slip mein PF ki ek line hoti hai jise zyadatar log sirf deduction samajhte hain. Wo aapka hi paisa hai, aur bahut logon ke liye wo unka sabse bada retirement asset ban jaata hai.
Aapki basic salary ka ek tay percentage aapse katta hai, aur utna hi employer bhi daalta hai. Employer wale hisse ka ek part pension scheme mein chala jaata hai, baaki EPF mein.
Us poore corpus par har saal ek declared rate se interest milta hai, aur wo interest bhi corpus mein hi jud jaata hai. Yahi compounding kai dashak tak chalti rehti hai.
Ye wo mod hai jahan sabse zyada nuksaan hota hai:
• Account transfer karna chahiye, withdraw nahi — UAN se ye online hota hai.
• Withdraw karne par compounding ka poora aage ka faayda khatam ho jaata hai.
• Kuch saal se pehle withdrawal par tax bhi lag sakta hai.
• Inactive account par bhi interest ke apne rules hote hain.
Har naukri par PF nikaal lena ek chhoti si suvidha hai jiska daam bahut lamba hota hai. Wo paisa aksar us umar mein nikaala jaata hai jab uske paas badhne ke liye sabse zyada saal bache hote hain.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.