मिर्जापुर के रत्नेश ने अखिल भारतीय बार एसोसिएशन की परीक्षा पास को किया पास

*घरवासपुर के रत्नेश ने आल इण्डिया बार एग्जाम को किया क्रैक* https://www.sachchibaten.com/national-international/ratnesh-of-gharwaspur-crack-all-india-bar-exam for more news and updates please subscribe to our website https://www.sachchibaten.com/ 

How to fill 15G & 15H for PF Withdrawal in 2019 for avoiding deduction in PF amt.

There are EPF members who withdraws a PF amount of more than 50000 Rs in below 5 years of service need to submit 2 copies of form 15G and 1 copy of PAN card. If EPF members does not submit form 15G then 34.6% tax will deduct from PF claim amount or sometimes EPF officials will reject the EPF claim. EPF members whose age is below 60 years need to submit form 15G and for above 60 years form 15H is required.

Tax deduction situations during PF withdrawal

How to fill PF form 15G for PF withdrawal in 2019:

Field 1	Name of tax payer	Write the name of the person who is submitting form 15G.
Field 2	PAN of the assessee	Writ your PAN number
Field 3	Status	Mention Individual or HUF (Hindu Undivided Family) if applicable
Field 4	Previous year	If you are submitting form 15G form before 31 March 2019, then the previous year will be 2018-19.
Field 5	Residential status	Indian
Fields 6 – 12	Address	Here write your address details
Field 13	Email id	Write your email id.
Field 14	Mobile number	Write your mobile number
Field 15 part(a)	Already assessed or not	If you filed income tax returns under income tax act 1971 then tick Yes otherwise tick No
Part (b)	Assessment year	Mention the year for which you filed your IT returns
Field 16	Estimated total income of the p.y. in which income mentioned in column 16 to be included	Mention the estimated income, for example, if you are withdrawing a PF amount of 60,000 Rs then mention 60,000 as estimated income. (Don’t need to mention the exact amount)
Field 17	Estimated total income of PY	Mention your total annual income for the previous year. This should be the income mentioned in form 16. (Don’t get confused,  just mention your previous year total income)
Field 18	Total  number of Form 15Gs filed	If you have submitted any form 15Gs previously, then mention how many forms 15Gs you have submitted earlier, otherwise leave it blank.
	The aggregate amount of income for which form 15G submitted	If you submitted form 15Gs previously then mention the total amount for which you submitted form 15Gs, otherwise leave it blank.
Field 19	Details of the income for which declaration is made
	Sl no	Write serial number
	Identification number of relevant investment or account	For PF withdrawal you can leave this field blank or you can mention your UAN(If you don’t fill this field, then it will be filled by PF officials). For FDs write your Fixed deposit account number.
	Nature of income	Mention whether it is FD, or EPF, dividends, or interest on securities etc.
	The section under which tax is deductible	You can find sections in below table. If you don’t know the sections you can leave it blank. It is not a problem.
	Amount of income	Mention the amount of income for which you are submitting form 15G.

If the employee submits both PAN and 15G	No tax deduction
If the employee submits only PAN	TDS 10%
If the employee doesn’t submit PAN also	TDS 34.6%

2 Ways to find out your missed or forgotten ESI challan number

Due to some unavoidable situation like power cut or system hang, HR may forget to note down recently generated ESIC challan number. But there is no need to worry about forgotten ESIC challan number, employer can easily find forgotten ESIC challan number online, here is the step by step process…

To retrieve ESIC challan number go esic.in Now in home page click on pay e challan.

Now a new window will open, there enter your establishment ESIC code and captcha appearing on the screen and click on search.

Here you are shown ESIC challan number along with payment details once you fill employer code and captcha. So this is the easiest way to find forgotten ESIC challan number. If you want to make the payment then click on challan number and make the payment 

Delhi government to whip on minimum wage violators

The Delhi government have launched a 10-day awareness and enforcement drive to implement minimum wages in the city, labour minister Gopal Rai said on Tuesday.The campaign begins on December 10.

As part of the campaign, 10 enforcement teams of the labour department will inspect firms and factories to check if owners are paying government minimum wages, the minister said.

According to the revised pay scale, workers in the unskilled category should get R 14,000 per month, semi-skilled R 15,400 per month and skilled workers Rs 16,962 per month.

“If anyone is found violating rules, the government will initiate action in accordance with the Minimum Wages (Amendment) Act, 2017,” the minister said. The government has issued a helpline number 011-155214 on which complaints can be lodged.

Govt went on reducing PF Admin Charges & EDLI Admin Charges waived by EPFO

If sources are to be believed the total expenditure incurred by EPFO in administering the Provident Fund (EPF), EDLI, etc., are met from the Admin/ Inspection charges collected from the employers. PF Admin charges have been further reduced to 0.5% applicable w.e.f. 1 June 2018, subject to a minimum of Rs. 500/ Rs. 75 in the case of functional/ non-functional organisations. Besides, EDLI Admin charges have already been waived w.e.f. 1 Apr. 2017.

S.O. 2011(E).- In exercise of the powers conferred by the Explanation to paragraph 30 read with paragraph 39 of the Employees’ Provident Funds Scheme, 1952, and in supersession of the notification of the Government of India in the Ministry of Labour and Employment published in the Gazette of India, Extraordinary, Part II, section 3, sub-section (ii) vide number S.O. 827(E), dated the 15th March, 2017, except as respects things done or omitted to be done before such supersession, the Central Government, after consulting the Central Board and having regard to the resources of the Employees’ Provident Fund available for meeting its normal administrative expenses, hereby fixes the administrative charges payable by the employer for the purposes of paragraph 30 and sub-paragraph (1) of paragraph 38 of the said Scheme with effect from 1st June, 2018 at 0.50 per cent (zero point five zero per cent.) of the pay as referred to in the said paragraphs subject to a minimum sum of seventy-five rupees per month for every non-functional establishment having no contributory member and five hundred rupees per month per establishment for other establishments.

2. For the removal of doubts, it is hereby notified that nothing contained in this notification shall affect the administrative charges payable in respect of the period up to and inclusive of the 31st May, 2018 in respect of which the notification referred to in paragraph 1 herein shall continue to apply as if the same had not been superseded.

How To Approve KYC In EPF Without Digital Signature By Using E Sign

there are so many cases where employees KYC details update requests are not getting approval from their employer. Even though the employees are updating their details in UAN member portal, still they are not getting approval. Generally when an employee updates his KYC details then the employer will find those details immediately in their employer PF portal, if they have valid digital signature then they can approve the KYC details requests immediately. But the problem here is some employers aren’t aware of the digital signature, so the employees KYC update requests will remain pending at PF portal. Last year EPFO introduced Aadhar based E Sign to approve the KYC requests of employees, here we know how to approve KYC in  EPF without digital signature by using Aadhar based E sign.

How To Approve KYC In EPF Without Digital Signature

Whatever a digital signature can perform in employer PF portal the same can be performed by E Sign. But the main difference is E Sign doesn’t need any physical hardware like the digital signature.  You know when we use digital signature then we need to connect the digital signature pen drive to the system, and while using digital signature we face so many problems like Java errors etc. When we use E sign then we don’t face all those problems.

Below are the snapshots one can follow and get their kyc approved.

EDLI Benefits In Case Of Death As Per EDLI Amendment 2018

Majority of the EPF members are not aware of Employee Deposit Linked Insurance which is a part of employee provident fund scheme. Any employee whose monthly basic salary is less than 15000 Rs will eligible for EPF scheme, all the EPF eligible employee will also eligible for Employee Deposit Linked Insurance Scheme(EDLI). The main aim of the EDLI scheme is to provide security to the family members of EPF member in case of any sudden death.  Here you can find complete details on EDLI benefits in case of death as per EDLI amendment 2018.

EDLI Benefits In Case Of Death As Per EDLI Amendment 2018:

Earlier every EPF member has a life coverage of minimum 150000 Rs and maximum of 600000Rs. Bue according to the latest EDLI amendment 2018 which was made on 15 February 2018 the minimum life coverage of EPF member has increased to 250000. This amendment will be in force for next 2 years from 15 Feb 2018. It is a good news for all the EPF members.

How To Calculate EDLI Benefits

The calculation EDLI amount will be done by taking the average basic salary + DA of EPF member for last 12months preceding the date of death, that average basic wage will be multiplied by 30. For this amount, 50% of PF balance amount in preceding 12 months from the date of death is added.  If an employee doesn’t have 12months contribution and he has only 8 months service, then 50% of those 8 months PF balance will be added.

Example: If an employee monthly average basic + DA is 8000 Rs for preceding 12 months from the date of death then

8000*30 = 240000 Rs

And if he a has a PF amount of 70000 Rs in his account, then 50% of 70000 = 35000 Rs. This amount will be added to the above 240000 Rs.

 So total he will be covered for 240000+35000 = 275000 Rs

Here the covered amount is more than 250000 so there is no problem, if it is less than 250000, for example if it is 190000 Rs then as per this latest EPF amendment scheme that EPF member will be covered for 250000 Rs. So it is beneficial for EPF members who are getting less monthly basic wage + DA.

The maximum life coverage of EPF member under EDLI scheme is 600000 Rs.

EDLIS : Insurance benefit to PRIVATE sector Staff

Employees’ Deposit Linked Insurance scheme provides for a lump sum payment to the insured’s nominated beneficiary in the event of death due to natural causes, illness or accident

Retirement body Employees Provident Fund Organisation (EPFO) on Wednesday substantially increased the maximum amount assured under its Employees' Deposit Linked Insurance Scheme (EDLI) to Rs 6 lakh from the existing Rs 3.6 lakh.

The decision, taken at the 208th Central Board of Trustees (CBT) meeting in Hyderabad, will benefit 40 million contributing members of the EPFO.

"In a major decision, the Central Board of Trustees under the chairmanship of Bandaru Dattatreya, Union Minister for Labour & Employment enhanced the insurance benefits under the Employees Deposit Linked Insurance Scheme 1976 admissible to dependants of EPF members from the present maximum of Rs 360,000 to Rs 600,000. This will benefit 4 crore EPF contributing members," said a press statement from the Union labour ministry.

The release mentioned last year the government paid around Rs 180 crore to about 30,000 beneficiaries.

In another major relief, the trustees also decided to remove the condition of continuous employment of one year under current employer before being eligible for insurance benefits.At present, only subscribers who have worked for one year continuously in the same organisation is eligible for the insurance cover.

The nominee of the subscriber gets 20 times of average wage drawn during the past 12 months with 20% bonus on it. This means, on a wage ceiling of Rs 15,000 every month, the maximum amount assured works out to be Rs 3.6 lakh.

The trustees approved an incentive scheme for employers to seed Universal Account Number (UAN) with Know Your Customer (KYC) documents.For instance, an employer can claim 10% refund of administrative charges paid during the quarter if the establishment provides Aadhar card details of 80% employees, bank details of all the employees and PAN card detail wherever applicable. This will become operational from October 1 for one year.

At present, employers pay 0.65% of employees' monthly basic salary towards administrative fee.

Approve Employee EPF Basic Details Modification Request By Employer

organization has recently made a provision to correct employee basic details like name, date of birth, Aadhar number, and gender at UAN member portal. This is really a great relief for the EPF members and also for employers. Earlier EPF members used to submit PF joint declaration form manually to their regional EPF office. But now there is no need to submit EPF joint declaration form. Once EPF member corrects their basic details then their employer has to approve them in their employer portal. Here you can know how to approve employee EPF basic details modification request in employer PF porta

l.

To Correct employee basic details in UAN member portal:

Now in new page employer can find pending requests. Here employer can find requests made by the EPF members, If the employer finds everything is correct then click on approve otherwise mention the remarks and click on reject.

Once employer approves the basic details modification request of the EPF member then the request will proceed to the regional EPF office. Now it will take minimum 15 days to approve the request made by the employer to correct basic details of EPF member.

In the meantime, the employer can also check the status of EPF members basic details modification request by typing UAN number of the employee. This option is available on the same page where pending requests are appearing.

How EPF Member Get EPF Amount After PF Claim Settled Payment Sent Via online

One can learn here complete details on what is the meaning of PF Claim Settled Payment Sent Via NEFT or PF claim approved payment under process. Have you applied for PF claim and you submitted your EPF withdrawal forms to your regional EPFO office or you have applied for EPF claim online at unified member portal. After 5-10 days you can check your claim status at EPFO website, and if your claim forms here you can know the status of your claim i.e on which date your EPF claim forms are received by EPFO and whether your EPF claim is under process or rejected etc.If you have given correct information then EPF claim will get settled within 10-15 days and the maximum time for EPF settlement is 30 days. Once your claim was settled then you will get the following message at PF portal

Way out for UAN Name Correction Online Including DOB, Gender & Aadhaar Number

Here is a good news for you, now all the EPF members can correct their basic details like UAN name, date of birth, gender and Aadhaar number in online at UAN member portal. Earlier EPF members need to fill and submit EPF composite claim form to their regional EPFO office. But there is no need to fill EPF composite claim form. Now you can correct your EPF details online. Here is a step by step guide on how to do UAN name correction online or EPF name correction online.

UAN Name Correction Online

The same UAN name correction online process will be used to do UAN date of birth correction online, and also for gender and Aadhaar number correction. In order to do EPF name correction online go to UAN member portal and log in with your UAN number and password.

 In order to correct your PF details online you must enter your details as they are printed on your Aadhaar card. If your Aadhaar details are not correct then you have to correct those details in your nearest Aadhaar enrollment centre.

How to start business - step wise

The first step towards starting your Import/Export business is to decide and register your business entity. Generally there are 5 popular business structures to get yourself registered-

Sole Proprietorship

One Person Company

Partnership Firm

Limited Liability Partnership

Private Limited Company.

Basically, you can go for Solo Proprietorship firm since you are sole owner of the Firm which control on the business. As a Import Export Business you have to require only the tax registration as a firm like CST and IEC Code, i.e. Import Export Code( a unique code generated by the Directorate General Of Foreign Trade( DGFT) to track imports and exports of goods from India) so its can be done in less cost of formation. Even you have to pay just only the Income tax on the Slab basis ad Individually so you can easily save the income tax.

However it is recommended to get your business registered as private limited company in case of export business since it offers the promoters of the business limited liability protection, transfer-ability, easy access to bank loans and many more such benefits. Further, foreign clients prefer dealing with a registered corporate entity in India.

After registering your business, tax registration can be obtained in the name of the business entity. PAN is the first tax registration required for any kind of new business in India. After that you need to open up a bank account- to commence businesses.

Though, goods and services exported from India do not attract VAT or services tax but VAT registration might be required for the business as it might be required in the business to buy goods from the other state and service tax registration might also be required for the billing of domestic clients. So, it is advisable to have your VAT registration done.

Moreover, VAT and CST or Sales Tax or TIN Registration is required for selling the goods in India for the retailers and manufacture. So you need to apply for the VAT Registration from your state government. VAT is a Indirect taxes so its rules and regulations is very state to state. Even in some state there is security concept so its little bit expensive.

Then, you need to appoint an expert customs clearing agent. He will be able to assist you in clearing the batch at the port. Calculating numerous expenses in port is also important, which is the responsibility of an agent. These expenses include handling charge, customs duty, transportation charges and much more.

The next step involves using your own freight forwarder. A freight forwarder or forwarding agent is also known as a NVOCC (non-vessel operating common carrier), is a person or company that manage and organizes point to point shipments for individuals or corporations to import goods from the manufacturer abroad to your location.

Some Tips which is require for Import Export Business in India :-

• Business Current Account have a SWIFT Code.
• Find Reputed Supplier from Alibaba or other Website.
• Raise Purchase Order ( PO) on your Company Name.
• Purchase Order and Invoice amount must be same.
• Hire third parties for the shipping.

What is Conveyance Allowance?

CA, also called Transport Allowance is a type of allowance offered to employees of a company to compensate for their travel from residence to and from respective workplace location. Allowances are generally offered to employees on top of their basic salary component and may or may not be taxable as per the Income Tax Act.

conveyance allowance is paid by an employer only if the there is no transportation provided by the employer. In case an employer offers office transport, conveyance allowance will not be provided to employees.

Conveyance Allowance Limit for FY 2016-17 & AY 2017-18

There is no limit on the amount of conveyance allowance a company can offer to its employees. However, there is a limit on the amount of exemption under the Income TaxAct as detailed below.

Is Conveyance Allowance Taxable?

Conveyance allowance is given an exemption of up to Rs.19,200 per annum or Rs.1,600 per month. The sections under which this exemption is applicable are Section 10(14)(ii) of Income Tax Act and Rule 2BB of Income Tax Rules.

Before April 2015, the conveyance allowance taxation exemption limit was capped at Rs.800 per month or Rs.9,600 per annum. The exemption limits were extended to Rs.1,600 per months or Rs.19,200 per year in Budget 2015 with an eye to provide tax benefits to the middle class taxpayers in the country.

You do not need to furnish any documents or proof of receiving conveyance allowance from your employer. The full amount of Rs.1,600 per month can be claimed as tax exemption under travel or conveyance allowance.

How to Calculate Conveyance Allowance?

A point to note here is that the exemption for conveyance allowance can be grouped with some other allowances, for instance Special Allowance. So, if your employer is offering you a Special Allowance of Rs.5,000 per month which is fully taxable, you can substitute Rs.1,600 as conveyance allowance and claim tax exemptions for the same. However, you should only do this after consultations with your personal tax advisor.There are no complicated calculations involved in calculating conveyance allowance limit. The limits are absolute at Rs.1,600 per month or Rs.19,200 per year irrespective of the tax bracket an individual falls into.

What is the Conveyance Allowance for Handicapped People?

Handicapped people used to receive a higher limit of Rs.1,600 per month or Rs.19,200 per year as conveyance allowance before April 2015 as compared to other categories of taxpayers. However, Budget 2015 made the exemption limit uniform across all categories of taxpayers at Rs.1,600 per month.

Section 80c - Deductions under Section 80c

most people start sweating and running around looking for ways in which they can save on it. One of the most commonly known sections of the Income Tax act is section 80C. 

Tax Exemption under 80c for FY 2015-16:

As opposed to the deductions for the financial year 2013-14, the limit for maximum deduction under section 80c for 2014-15 and 2015-16 have been changed to Rs. 1.5 lakhs. This means that investments made under 80C up to Rs. 1.5 lakhs will be eligible for tax exemptions. These exemptions are not just limited to investments but also include payments that may be made towards expenses like education fee and home loans.

Eligible Deductions under Section 80c:

So what are the deductions that are eligible for exemption under section 80C? The following is a list of dedications that are included under section 80C.

• Home Loan Payments:
  When you pay a home loan EMI, there are two major components to it; the principal and the interest. Under section 80C you can claim tax benefits on the principal paid. You can also claim benefits under section 24.
• Stamp Duty and Registration Charges for House:
  When you buy a house, one of the expenses you incur will be payments for the stamp duty and the registration of the property. Whatever is spent on these expenses is eligible for benefits under section 80C
• Life Insurance:
  All life insurance premium payments, include those paid for unit linked insurance plans, are also eligible for tax benefits under section 80C. Even if your policy covers other family members, you can claim the tax benefits for the premiums paid. The limit for claiming these benefits is Rs. 1.5 lakhs. This means that if you make no other investments but pay Rs. 2 lakh towards a life insurance policy then Rs. 1.5 lakh out of it will be eligible for tax benefits. This benefit will also only apply if the premium is paid by you, not if your wife or husband or parents pay the premium.
• Health Insurance:
  When you take a health insurance policy, be it an individual or a family floater policy, the annual premium you pay for the policy is eligible for tax benefits under this section.
• Fixed Deposits:
  Most banks offer tax saving fixed deposits that provide tax benefits on the amount deposited in them. These deposits come with a mandatory lock in period of 5 years and can have a maturity period ranging from 5 years to 10 years. The limit of investment in these deposits is determined by the bank and can range from Rs. 1 lakh to Rs. 1.5 lakhs in a year. It needs to be noted that not all FD investments are eligible. Only the ones made in tax saving FDs are.
• Mutual Fund Investments (ELSS):
  When you invest in a mutual fund, particularly an equity linked savings scheme or a tax saving mutual fund, the amount invested is eligible for tax exemption under this section. These mutual funds come with a lock in period of 3 years.
• Provident Funds:
  There are different provident funds that you can invest in. One is the PPF (Public Provident Fund) with an annual investment limit of Rs. 1.5 lakhs and a maturity period of 15 years. The others are EPF and VPF; EPF are Employee Provident Funds where the employer and the employee contributes towards the PF and VPFs are Voluntary provident funds where the employee can choose to contribute more than the employer towards the PF. Regardless of the type of fund, all contributions made are eligible for tax benefits.
• National Savings Certificates:
  National savings certificates are an investment that come with maturity period of 5 and 10 years. Investments made in these certificates is also eligible for tax benefits up to Rs. 1.5 lakhs.
• Sukanya Samriddhi Account:
  This is a special account that was announced by the government in early 2015. It allows parents to open an account for a girl child and deposit money in it, up to Rs. 1.5 lakhs per annum, and earn an interest of 9.1% per annum on it. This account can be opened for two children and can be extended to a third in case there are twins involved.
• Infrastructure Bonds:
  These are bonds that are issued by infrastructure companies like Infrastructure Development Finance Company and India Infrastructure Finance Company. They offer an interest on the money invested with them and the investments made in the tax saving infrastructure bonds are eligible for tax benefits.
• Post Office Time Deposit:
  Just like fixed deposits, time deposits held at post office also are eligible for tax benefits under this section. These deposits come with an option of a 5 year time deposit where investments become eligible for benefits. These deposits also offer attractive interest rates in excess of 8% per annum however it can change at any time.
• Education Expenses:
  School fee is not cheap these days and for that reason, when you do pay it you can claim tax benefits on the amount that you have paid. The conditions that apply in this investment are that it is available only for two children, the school cannot be outside India and the tuition fee is the only payment that is eligible.
• Pension Funds:
  Almost everyone has some sort of a plan in place for the day they retire. If your plan includes investments in a pension fund then the investments made are eligible for deductions under section 80C.
• Senior Citizen Saving Scheme:
  This is a scheme that can only be invested in by senior citizens and provides quarterly interest payments instead of compounded interest. Under this scheme when an investment is made into the scheme, it becomes eligible for tax benefits under this section.

NRI claim under Section 80C:

In India, the basis of the income sources of a person determines the date of filing IT returns for him/her. The due date for filing income tax stays the same irrespective of an individual's residential address. The personal income tax must be filed on or before September 30 of a year. For example, for filing income tax returns for FY 2014 – 2015, which starts from April 1, 2014 and ends on March 31, 2015, the last date is September 30, 2015.

Income tax must be filed for the following income sources:

• Income from profession or business where the a/c of these professions and businesses must be audited in India.
• If the tax filer is a working partner in a particular partnership firm where the account must be audited in India.

All NRIs can avail equal tax deductions as the Indian residents under this section. For example, NRIs can claim deductions on life insurance premiums, pension schemes, etc.

Frequently Asked Questions:

1. Does the limit of Rs. 1.5 lakhs mean that I can invest Rs. 1.5 lakhs in more than one instrument and claim benefits?
   No. The limit of Rs. 1.5 lakh means that after taking into account all the investments you have made under 80C, the maximum benefit of Rs. 1.5 lakhs can be claimed.
2. What is the definition of a senior citizen for the senior citizen savings scheme?
   A senior citizen under this scheme is either someone who is more than 60 years of age or someone who is more than 55 years or age but less than 60 years but has taken voluntary retirement under a specific retirement scheme.
3. When it comes to provident funds, will investments in EPF and PPF be eligible if investments are made in both?
   If you are contributing towards an EPF and are investing in a PPF at the same time, you can claim both investments under 80C.
4. Under EPF schemes is the entire contribution eligible for deduction under 80C?
   No. In EPF only the half paid by the employee is eligible for benefits.
5. If I want to get into tax savings, which options should I go in for?
   The options would be dictated by a multitude of factors like your age, risk appetite and the amount that you wish to invest but some basic ones that you should consider investing in are life and health insurance policies, mutual funds, fixed deposits and provident funds.
6. Is the interest earned through these instruments also eligible for tax deductions under 80C?
   No. The interest earned in most cases is liable for tax under other sections except in the case of NSCs where if the interest is reinvested, it becomes eligible for deduction under 80c for the year that it is reinvested in.
7. If I take a loan for repair/renovation of a house, can I claim deductions under 80C?
   A regular home loan is eligible under 80C but one take from repairs and renovation is not.

कैसे जानें PF बैलेंस..Missed Call se

अगर आप अपना पीएफ बैलेंस जानने के लिए परेशान हैं तो आपको परेशान होने और ईपीएफओ आॅफिस के चक्कर काटने की जरूरत नहीं है। ईपीएफओ आपको अपना पीएफ बैलेंस आॅनलाइन और मैसेज के जरिए जानने की सुविधा दे रहा है। इसके जरिए आप केवल कुछ ही देर में अपना पीएफ बैलेंस पता कर सकते हैं। EPFO आपको पीएफ बैलेंस जानने की सुविधा दे रहा है-
मिस्‍ड कॉल देकर - आप केवल एक मिस्‍ड कॉल देकर भी PF बैलेंस जान सकते हैं। - इसके लिए आपको 011-22901406 पर मिस्‍ड कॉल करनी होगी। - इसके बाद आपको मैसेज के जरिए PF बैलेंस की जानकारी मिल जाएगी।

आपके पीएफ अकाउंट पर नहीं मिलेगी 7500 से ज्‍यादा पेंशन, चाहे जितनी भी हो सैलरी.

अगर आप संगठित क्षेत्र में नौकरी कर रहे हैं और कर्मचारी भविष्‍य निधि संगठन (ईपीएफओ)  के सदस्‍य हैं तो मौजूदा नियमों के तहत आपको अधिकतम 7500 रुपए ही पेंशन मिल पाएगी। ऐसा इसलिए है क्‍योंकि मौजूदा समय में इम्‍पलाइ प्रॉविडेंट फंड स्‍कीम के तहत अधिकतम वेज लिमिट 15000 रुपए है। 

अगर यह लिमिट फ्यूचर में नहीं बढती है तो... आप की अधिकतम पेंशन 7500 रुपए ही होगी। .
यह है पेंशन तय करने का फार्मूला    कर्मचारी भविष्‍य निधि संगठन के एक वरिष्‍ठ अधिकारी ने बताया कि अगर कोई मेंबर रिटायर होता है तो उसकी पेंशन पेंशनेबल सैलरी के आधार पर तय की जाती है। इसके लिए पिछले पांच साल की सैलरी का औसत निकाला जाता है। इस तरह से पेंशनेबल सैलरी तय होती है। पेंशन तय करने का फार्मूला है। यह फार्मूला 1995 के बाद नौकरी ज्‍वाइन करने वालों के लिए है।    पेंशन अमाउंट = पेंशनेबल सैलरी × सेवा की अवधि/ 70... 
मान लेते हैं किसी पीएफ मेंबर की पेंशनेबल सैलरी 15000 है और उसने 30 साल नौकरी की है। मौजूदा नियमों के हिसाब से उसे 2 साल का बोनस मिलेगा। इसतरह से उसकी सेवा की अवधि 32 साल हो जाएगी तो उसकी पेंशन मौजूदा फार्मूले के तहत 6858 रुपए होगी।    पेंशन अमाउंट = 15000 × 32 साल/ 70  मंथली पेंशन होगी 6,858 

35 साल की नौकरी तो मंथली पेंशन 7500    
अगर 2 साल का बोनस जोड़ कर किसी मेंबर की नौकरी की अवधि 35 साल होती है तो उसे मौजूदा वेज लिमिट के आधार पर 7500 रुपए पेंशन मिलेगी। अगर भविष्‍य में सरकार वेज लिमिट को 15000 रुपए से बढ़ा कर 20,000 रुपए या 25,000 रुपए कर देती है तो इम्‍पलाइज पेंशन स्‍क्‍ीम के तहत 58 साल की उम्र में रिटायरमेंट पर पेंशन लिलती है या 50 साल की उम्र पूर भी अर्ली पेंशन मिलती है। 
सरकार करती है पेंशन फंड में योगदान    इम्‍पलाइ पेंशन फंड में कंपनी के मंथली कंट्रीब्‍यूशन का 8.33 फीसदी हिस्‍सा जाता है। इसके अलावा सरकार भी फंड में कर्मचारी की सैलरी का 1.16 फीसदी योगदान करती है। मौजूदा समय में इम्‍पलाइज पेंशन स्‍क्‍ीम के तहत न्‍यूनतम पेंशन 1,000 रुपए है। यानी अगर किसी की पेंशन 1,000 रुपए से कम बनती है तब भी सरकार उसे हर माह 1,000 रुपए पेंशन सुनिश्चित करेगी। ... 

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