{"id":163,"date":"2025-09-14T12:33:46","date_gmt":"2025-09-14T07:03:46","guid":{"rendered":"https:\/\/epfoindia.info\/hindi\/?p=163"},"modified":"2025-09-14T12:33:48","modified_gmt":"2025-09-14T07:03:48","slug":"pf-guide-what-is-epf-how-it-works","status":"publish","type":"post","link":"https:\/\/epfoindia.info\/hindi\/index.php\/2025\/09\/14\/pf-guide-what-is-epf-how-it-works\/","title":{"rendered":"PF Guide: \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f (EPF) \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/epfoindia.info\/hindi\/wp-content\/uploads\/2025\/09\/pf-guide-what-is-epf-how-it-works-2-1024x576.jpg\" alt=\"PF Guide: \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f (EPF) \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948?\" class=\"wp-image-174\" title=\"\" srcset=\"https:\/\/epfoindia.info\/hindi\/wp-content\/uploads\/2025\/09\/pf-guide-what-is-epf-how-it-works-2-1024x576.jpg 1024w, https:\/\/epfoindia.info\/hindi\/wp-content\/uploads\/2025\/09\/pf-guide-what-is-epf-how-it-works-2-300x169.jpg 300w, https:\/\/epfoindia.info\/hindi\/wp-content\/uploads\/2025\/09\/pf-guide-what-is-epf-how-it-works-2-768x432.jpg 768w, https:\/\/epfoindia.info\/hindi\/wp-content\/uploads\/2025\/09\/pf-guide-what-is-epf-how-it-works-2.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">PF Guide: \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f (EPF) \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948?<\/figcaption><\/figure>\n\n\n\n<p>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f<strong> (EPF) <\/strong>\u0939\u092e\u093e\u0930\u0947 \u0926\u0947\u0936 \u092e\u0947\u0902 \u0938\u092c\u0938\u0947 \u0932\u094b\u0915\u092a\u094d\u0930\u093f\u092f \u092c\u091a\u0924 \u0914\u0930 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u092e\u0947\u0902 \u0938\u0947 \u090f\u0915 \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u0916\u093e\u0938\u0924\u094c\u0930 \u092a\u0930 \u0928\u094c\u0915\u0930\u0940\u092a\u0947\u0936\u093e \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0928\u093e\u0908 \u0917\u0908 \u0939\u0948 \u0924\u093e\u0915\u093f \u0935\u0947 \u0905\u092a\u0928\u0940 \u0915\u092e\u093e\u0908 \u0915\u093e \u090f\u0915 \u0939\u093f\u0938\u094d\u0938\u093e \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0916 \u0938\u0915\u0947\u0902\u0964 EPF \u0928 \u0915\u0947\u0935\u0932 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0926\u0947\u0924\u093e \u0939\u0948 \u092c\u0932\u094d\u0915\u093f \u091c\u0930\u0942\u0930\u0924 \u092a\u095c\u0928\u0947 \u092a\u0930 \u0932\u094b\u0928 \u0914\u0930 \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u092b\u0902\u0921 \u0915\u093e \u092d\u0940 \u0935\u093f\u0915\u0932\u094d\u092a \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>EPF \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong><\/h2>\n\n\n\n<p>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f <strong>(Empolyees&#8217; Provident Fund)<\/strong> \u090f\u0915 \u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e \u0939\u0948 \u091c\u093f\u0938\u0915\u0947 \u0924\u0939\u0924 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e <strong>(Employer) <\/strong>\u0926\u094b\u0928\u094b\u0902 \u0915\u094b \u0935\u0947\u0924\u0928 \u0915\u093e \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u091c\u092e\u093e \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0930\u093e\u0936\u093f \u090f\u0915 \u0935\u093f\u0936\u0947\u0937 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u093e\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0909\u0938 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0930\u093f\u091f\u093e\u092f\u0930 \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u092c \u0935\u0939 \u092a\u0942\u0930\u0940 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u092c\u094d\u092f\u093e\u091c \u0938\u0939\u093f\u0924 \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>EPF \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0947 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0914\u0930 \u0921\u0940\u090f <strong>(Dearness Allowance)<\/strong> \u0915\u093e 12% EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u092d\u0940 \u092c\u0930\u093e\u092c\u0930 \u0915\u0940 \u0930\u093e\u0936\u093f \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0909\u0938\u0915\u093e \u092a\u0942\u0930\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0938\u0940\u0927\u0947 EPF \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u091c\u093e\u0924\u093e\u0964 \u0907\u0938\u092e\u0947\u0902 \u0938\u0947 \u0915\u0941\u091b \u0930\u093e\u0936\u093f \u092a\u0947\u0902\u0936\u0928 \u0938\u094d\u0915\u0940\u092e (EPS) \u092e\u0947\u0902 \u092d\u0940 \u0921\u093e\u0932\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0939\u0930 \u0935\u093f\u0924\u094d\u0924 \u0935\u0930\u094d\u0937 \u0915\u0947 \u0932\u093f\u090f \u0938\u0930\u0915\u093e\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0918\u094b\u0937\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092c\u094d\u092f\u093e\u091c EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u092a\u0930 \u091c\u094b\u0921\u093c\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>EPF \u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0915\u094d\u092f\u093e \u092b\u093e\u092f\u0926\u0947 \u092e\u093f\u0932\u0924\u0947 \u0939\u0948\u0902?<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f (Retirement) \u0915\u0947 \u092c\u093e\u0926 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092a\u0948\u0938\u093e<\/li>\n\n\n\n<li>\u091f\u0948\u0915\u094d\u0938 \u092c\u091a\u0924 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e (\u0927\u093e\u0930\u093e 80C \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924)<\/li>\n\n\n\n<li>\u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947, \u092e\u0947\u0921\u093f\u0915\u0932 \u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u092f\u093e \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u092a\u0922\u093c\u093e\u0908 \u0915\u0947 \u0932\u093f\u090f \u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940<\/li>\n\n\n\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0932\u093f\u090f \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0940 \u0917\u093e\u0930\u0902\u091f\u0940<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>EPF \u0916\u093e\u0924\u093e \u0915\u0948\u0938\u0947 \u092e\u0948\u0928\u0947\u091c \u0915\u0930\u0947\u0902?<\/strong><\/h3>\n\n\n\n<p>\u0906\u091c \u0915\u0947 \u0921\u093f\u091c\u093f\u091f\u0932 \u0926\u094c\u0930 \u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u0940 \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0911\u0928\u0932\u093e\u0907\u0928 \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u0905\u0915\u093e\u0909\u0902\u091f \u0928\u0902\u092c\u0930 <strong>(UAN) <\/strong>\u0915\u0940 \u092e\u0926\u0926 \u0938\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0928\u093e, \u092a\u093e\u0938\u092c\u0941\u0915 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0915\u0930\u0928\u093e \u0914\u0930 \u0915\u094d\u0932\u0947\u092e \u0915\u0930\u0928\u093e \u092c\u0947\u0939\u0926 \u0906\u0938\u093e\u0928 \u0939\u094b \u0917\u092f\u093e \u0939\u0948\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EPF \u0938\u093f\u0930\u094d\u092b \u0928\u093e\u092e \u092d\u0930 \u0915\u0940 \u092c\u091a\u0924 \u092f\u094b\u091c\u0928\u093e \u0928\u0939\u0940\u0902, \u092c\u0932\u094d\u0915\u093f \u0906\u092a\u0915\u0940 \u092e\u0947\u0939\u0928\u0924 \u0915\u0940 \u0915\u092e\u093e\u0908 \u0915\u093e \u0935\u094b \u0916\u091c\u093e\u0928\u093e \u0939\u0948 \u091c\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u092a\u0930 \u0915\u0930\u094b\u0921\u093c\u094b\u0902 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u091c\u093e\u0928\u093f\u090f \u092f\u0939\u093e\u0902 \u092a\u0942\u0930\u0947 \u0930\u093e\u091c\u093c \u0915\u093f \u0915\u0948\u0938\u0947 EPF \u0906\u092a\u0915\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u094b \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n","protected":false},"author":1,"featured_media":174,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[14,6,13],"class_list":["post-163","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-epf","tag-epfo","tag-pf-guide"],"_links":{"self":[{"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/posts\/163","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/comments?post=163"}],"version-history":[{"count":4,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/posts\/163\/revisions"}],"predecessor-version":[{"id":175,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/posts\/163\/revisions\/175"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/media\/174"}],"wp:attachment":[{"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/media?parent=163"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/categories?post=163"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/epfoindia.info\/hindi\/index.php\/wp-json\/wp\/v2\/tags?post=163"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}