EPFO Ka Naya Update: ATM Se Bhi Nikal Payenge Paise!
Suna hai, Employees’ Provident Fund Organisation (EPFO) ek naya tareeka la raha hai jisse aap apne PF account se ATM se bhi paise nikaal sakte hain! Ye EPFO 3.0 initiative ka hissa hai. Chaliye, iske baare mein aur jaan lete hain.
EPF Kya Hai?
Basically, Employees’ Provident Fund (EPF) ek retirement savings scheme hai. Jo log private sector mein kaam karte hain, unke liye ye scheme financial security provide karti hai. Har mahine employee aur employer dono contribute karte hain. Currently, EPF par interest rate 8.25% per annum hai for the financial year 2024-25.
Kaun Contribute Karta Hai?
Har employee apni basic pay aur dearness allowance (DA) ka 12% PF account mein contribute karta hai. Employer bhi equal amount contribute karta hai. Jo employees Rs 15,000 tak basic salary earn karte hain, unke liye PF scheme mein contribute karna mandatory hai.
EPF Withdrawals Ke Rules
Aam taur par, EPF withdrawals easily allowed nahi hote. Lekin agar koi employee kam se kam do mahine tak unemployed rehta hai, toh woh poora amount nikaal sakta hai. EPFO kuch conditions mein partial withdrawals bhi allow karta hai.
Withdrawal Kaise Karein?
EPF subscribers partial withdrawals ke liye online aur offline dono tareeke se apply kar sakte hain. EPF advance withdrawal forms EPFO ke Unified Member Portal se submit kiye ja sakte hain. Aap forms EPFO ke branch offices mein bhi submit kar sakte hain.
EPFO 3.0: ATM Se Withdrawal
EPFO ek naya initiative, EPFO 3.0, introduce karne ja raha hai. Iske tehat, EPFO members apne PF accounts se ATM ke through bhi paise nikaal payenge. Ye facility jald hi shuru hone wali hai.
EPF Withdrawal Methods
1.
Online EPFO portal:
Aapke paas ek activated 12-digit Universal Account Number (UAN) hona chahiye. Agar aapka account PAN aur Aadhaar card details se linked hai aur KYC verified hai, toh aap EPFO Member e-Sewa portal se withdrawal request submit kar sakte hain.2.
EPFO withdrawal offline:
Apne nearest EPFO office visit karein. Ek ‘composite claim’ form le aur details fill karein. Agar Aadhaar card linked nahi hai, toh aapko employer attestation ki zaroorat hogi.3.
EPFO claim via ATM:
ATM se paise nikaalne ke liye, aapko ek PF withdrawal card ki zaroorat hogi, jo banking transaction card jaisa hoga. Aap PIN use karke PF savings ka ek hissa nikaal sakte hain. Withdrawal amount Rs 1 lakh tak cap kiya ja sakta hai.Yeh naya update definitely logon ke liye helpful hoga, especially unke liye jinko urgent basis par fund ki zaroorat hoti hai. Dekhte hain yeh naya system kab tak launch hota hai!
