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Provident Fund: Complete Guide

Understanding EPF (Employee's Provident Fund) including contributions, withdrawal rules, and benefits.

Alok K Acharya & Associates
1 March 2025·Updated 31 August 20261 min read
PFEPFProvident FundEmployee
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Provident Fund: Complete Guide#

What is EPF?#

Employees' Provident Fund is retirement savings scheme.

Contributions#

  • Employee: 12% of basic
  • Employer: 12% (3.67% EPF + 8.33% Pension)

Benefits#

  • Retirement corpus
  • Medical benefits
  • Housing loan (partial)
  • Insurance cover (EDLI)

Withdrawal Rules#

Before 5 Years#

  • Only on resignation/termination

After 5 Years#

  • Full withdrawal allowed

UAN and KYC#

  • UAN: Universal Account Number
  • KYC: Aadhaar, PAN, bank linking

Conclusion#

EPF provides financial security for employees.

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Alok K Acharya & Associates

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