EPF (PF) Kya Hai? Poori Jaankari

EPF yaani Employee Provident Fund, naukri karne walon ki retirement bachat ki sabse badi yojana hai. Har mahine aapki salary se thoda paisa katta hai, utna hi (lagbhag) company daalti hai, aur us par sarkar byaj deti hai. Ye paisa retirement tak jamа hoke bada fund ban jaata hai. Neeche free EPF calculator bhi hai.

Contribution kaise hota

Aam taur par employee apni basic salary ka 12% EPF me daalta hai, aur company bhi utna hi daalti hai (kuch hissa pension me jaata). Dono milke har mahine account me jama hote hain, aur us par saalana byaj (jaise ~8.15%) milta hai.

Compounding ka fayda

EPF ki sabse badi taakat compounding hai — byaj har saal judta hai aur agle saal bade amount par phir byaj milta. 20-30 saal ki naukri me ye chhotа-chhotа paisa bahut bada fund ban jaata hai.

EPF ke fayde

• Retirement ke liye majboot, surakshit bachat
• Tax me chhoot (80C)
• Byaj + maturity aam taur par tax-free (shart ke saath)
• Zaroorat par kuch nikaasi (ghar, shaadi, ilaaj) shart ke saath

Calculator kaise use karein

1. Har mahine total contribution daalein
2. Byaj dar aur saal daalein
3. Corpus, jama aur byaj dikhega

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