EPF, EPS and UAN, decoded
What the EPFO portal actually means, what to do when it breaks, and how much money you will really receive. Withdrawals, transfers, KYC and pension, step by step.
Calculators
What will my PF be worth?
Project your balance at retirement from your salary, age and contribution rate.
CalculatorWhere does my PF contribution actually go?
See how one month of basic salary splits between your share, the employer share and the pension fund.
CalculatorHow much pension will I get?
Estimate your monthly EPS pension. Most people expect considerably more than the formula gives.
CalculatorCan I withdraw my PF?
Check what you are allowed to take out, for which reason, and how much.
Checkers
Guides
How to claim EPF and EPS after a member's death
Three benefits, three forms, and one surprise: a family's pension after a member's death does not need the 10 years a member's own pension does.
Provident FundHow is EPS pension actually calculated?
Pensionable salary times service, divided by 70. Salary is capped at 15,000 rupees a month for most members, so the pension is smaller than people expect.
Provident FundHow much will your EPF actually be worth at retirement?
Your share, your employer's, and compounding interest. The last ten years usually add more than the first twenty, so withdrawing between jobs costs a lot.
Provident FundWhich reasons let you withdraw PF early, and how much?
Six recognised reasons, each with its own service rule and limit. A house needs five years and caps at 36 months of basic. Medical treatment needs none.
Provident FundCan NRIs withdraw EPF? The rules once you leave India
Moving abroad waives the usual two-month waiting period. It does not change where the money lands: an Indian bank account, not your account overseas.
Provident FundWhere does your EPF contribution actually go every month?
You pay 12 percent and so does your employer, but they don't land in the same place. Part of the employer's share goes to your pension before EPF sees it.
Provident FundHow to file an EPF e-nomination online
The UAN portal process end to end, including the Aadhaar e-sign that decides whether it counts and the pension nomination people skip.
Provident FundFive PPF mistakes that cost you money
The 5th of the month rule, the annual ceiling counted per person not per account, and the extension you have to ask for or lose.
Provident FundIs EPF withdrawal taxable? The five year rule
Tax free after five years of continuous service, and transfers count towards it. What is taxable before then, how TDS works, and the Form 121 change.
Provident FundEPFO portal not working? What each error means
Most EPFO failures are peak-hour load, not your device. What every common error message means, which fixes genuinely work, and when to simply wait.
Provident FundEPF interest not credited yet? How to check
Three ways to see whether your EPF interest has landed: the passbook, a missed call and an SMS. Why EPFO credits in batches, and who is paid last.
Provident FundHow to claim an inoperative EPF account
Why an old account stops earning, the three reasons a balance goes untraceable, and how to transfer or withdraw it without a working UAN.
Where to actually do it
SimpleDoc explains the process. The transaction itself belongs on the official portal, and that is the only place you should ever enter your details.