EPF–EDLI Explained: How Your PF Balance Also Gives Your Family a ₹7 Lakh Insurance Cover Most employees think of EPF as a retirement fund, but the truth is—your PF account does much more. It quietly builds long-term wealth, supports you during emergencies, helps you save tax, and also provides life insurance for your family under
New Gratuity Rules From 21 November 2025: Big Boost in Payouts as ‘Wages’ Must Be 50% of CTC From 21 November 2025, the new labour code is set to bring one of the biggest changes to an employee’s retirement benefits — a sharp rise in gratuity payouts. The updated rules redefine how “wages” are calculated
Gratuity: Meaning, Eligibility, Calculation & Investment Guide (Simple Explanation) Gratuity is a special payment that your employer gives you as a gesture of appreciation for the years you’ve spent working with them. Think of it as a “thank you” bonus for your loyalty and consistent service. In India, gratuity is governed under the Payment of
PRAN Registration 2025: A Complete Guide to Apply, Verify, Track & Get PRAN Instantly Introduction If you’re planning to start your National Pension System (NPS) journey, PRAN is the first thing you’ll need. Think of PRAN as your personal retirement fingerprint—it stays with you for life and connects every contribution you ever make. In recent
Introduction The 8th Pay Commission is one of the biggest and most talked-about updates for Central Government employees and pensioners. Every pay commission brings a major change in salary, allowances, and pensions, and this time expectations are even higher because the cost of living has increased in the last few years. Since the 7th Pay
Introduction If you’re investing in the National Pension System (NPS), you already know it’s one of the safest ways to build a big retirement fund. But when it comes to withdrawals, things can feel a bit confusing. Many people are unsure about how much they can withdraw, when they can withdraw, or what happens if
Old Pension Scheme (OPS) and New Pension Scheme (NPS) Key Differences, Pension Amount, Eligibility & Benefits Explained (2025 Guide) Many government employees in India are comparing the Old Pension Scheme (OPS) with the New Pension Scheme (NPS) because both plans give financial support after retirement. Some states have already shifted back to OPS, which has