New Delhi: People make various investments for retirement, but there is no better option than provident fund. EPF investors get many benefits. The first advantage is that investments up to Rs 1.5 lakh are tax exempt under section 80C of the Income Tax Act. There is a lot of curiosity as well.
At present, 8.50 percent interest is being given on EPF investment. There is also the benefit of compounding interest. In other words, the bigger the investment, the higher the interest. On the other hand, people often withdraw PF funds after changing jobs or breaking investments when needed. Doing so reduces the profit.
If you never withdraw PF money while working, then you will get many benefits on retirement as per EPFO rules. To begin with, a substantial amount will be saved for retirement. You will continue to get compound interest continuously. At the same time, the money you get on retirement will be tax free. However, it must be remembered that no withdrawal was made before retirement.
If no withdrawal has been made from your PF account before retirement, you will be eligible for Pension (EPS-Pension). You will get monthly pension as part of EPS (Employees Pension Scheme) of EPFO. Actually, according to the rules, if an EPF account remains open for ten years without any withdrawal, then the pension of the member starts. Explain that a part of the money kept in EPF by the employer also goes to the pension fund. After 58 years, this pension fund starts paying retirement pension benefits.
If you are going to retire or have retired, but you have not withdrawn your PF money yet, you may suffer a loss of money. As per the EPFO guidelines, if you wait too long to withdraw money from your EPF account after retirement, you will have to pay tax on the interest earned. This is because tax exemption on EPF interest is available only to employees, and after retirement, an individual is no longer considered an employee.
If you want to withdraw EPF fund while working, then keep these things in mind.
If you need money during your employment and you want to withdraw PF fund, then keep in mind that your employment should be at least 5 years. Actually, if money is withdrawn from a PF account before five years of service, then tax will have to be paid on it. However, if you withdraw money from the fund after five years of employment, you will get tax-free money.
There are two types of EPF accounts. Have an active account where regular investments are made. At the same time, another account is dormant for three years without any fresh investment. Every year, active accounts earn income (based on the EPF interest rate). Also, from 2016, Interest on Inactive Accounts (EPF Interest News) is available. Interest on dormant accounts was first suspended in 2011. However, it was reintroduced in 2016. If the account is inactive and the age of the account holder is more than 58 years, the interest will be withheld. However, he will get the benefit of interest till the age of 58 years.
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function disqusToggle() {
var id = $(this).attr("id");
$("#disqus_thread1" + id).toggle();
};*/
//$(".main-rhs2433059").theiaStickySidebar();
var prev_content_height = $(content_selector).height();
//$(function() {
var layout = $(content_selector);
var st = 0;
///});
}
}
});
/*}
};*/
})(jQuery);
,