Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@NaufalKnoechel Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* ..
Suggestions- you must have a base amount. So, based on excel the current salary becomes the starting point. But there might be previous amount. So that becomes base. Nice video and thanks for nice calculator, your loan calculator is awseome.
Its a useless calculated, the excel sheet is locked thus when calculated EPF amount is more than 7 digit then I can't expand to see the total...great job team
Thank you the detailed explanation, you mentioned that 7:15 0.5 % is paid to EPFO as a premium for insurance. 1. How can we know the details about this insurance 2. If we want to use this insurance facility how can we use it?
There should be a base amount section if i already have amount in epf and working since last 12 years then i get the correct corpus .. and the calculator is great thank you
Please can you create a separate video for only the topic of 100 percent withdrawal steps in case of scenario where a person is unemployed for more than 2 months.
I left job on Jan-2022 and still I kept money on EPF but not getting interest, this topic you missed to cover Sir Ji, please make video of reply on this, what should I do to get interest every year?
As it was mentioned in your video, that it's compound Interest on the EFP amount, If I login to EPFO site, it does not show any compound interest value. It just shows cumulative amount contributed by Employee & Employer. Where can I check my compounded interest value in EPFO site? Whether it shows in EPFO site or not ?
Sir how many years after your last contribution do you continue to get interest? basically no job so no contribution but have not withdrawn the epf fund. but for how long can I keep it hoping to continue getting the interest?
Tried using the calculator. I started working at the age of 22 and now I am 38. I know the current amount in my EPF. Using the calculator now at the age of 38, it does not consider what I already have in my account I believe. Please add this. There should be a field to enter the current EPF balance and it should start calculation from there.
If there is no contribution for 6 months or more than 6 months in any epf account then what are the consequences and what should do ? Please explain.. thank you.
one thing is missing in this calculator sir.... What if someone is having some initial amount already in EPF. Can you please consider that in your calculator?
Hello Sir, thanks for the informative video, ek query hai, agar koi person 58 age ke badh apna EPS i.e monthly retirement pension leta hai toh use kis age tak milti hai, is it till death ya jab tak uske EPS me balance/amount hai tab tak?
The calculator assumed we remain in the same company throughout the contribution period. Rule says if you change your company, interest will accrue for 18 Months of last employer contribution and then account remains as is since further contribution will come in EPF account opened by new company (in same UAN).
Very informative video. Appreciate the efforts to educate people. I have 3 questions: First, if someone leaves the job and still want to stay invested till the age of 58 or 60 in EPF (without contributing further after leaving the job), is this allowed? Or withdrawal is mandatory who is not in job? Secondly, pls elaborate on EPS process. Does it start automatically or How can someone apply for pension to start? Is this lifelong or till a certain age? Does this also continue for dependents? If someone leaves job at age 40 and withdraws EPF amount, what happens to accumulated EPS amount? Thirdly, what if someone continues to work after 60 years of age. Lets say someone works till 65, will EPF and EPS amount still get added up?
Sir please make video on higher pension scheme vs old pension scheme. Which is better for compounding effect. And the corpus We get from old pension scheme after age of 58 we could invest it in mutual fund swp plan. Which one is better in that respect.
Hello sir, I transferred out of india in same company in aug 2022 and I am no more contributing to PF now. So what will happen to my PF balance. For how many years I can keep my AC without removing PF balance.? After how many years my AC will get doormat.? Will I keep getting intrest.? Intrest earned after my transfer or ac inactive will be taxable.? Thanks in advance
Sir agr mahilaon K document m high school K mark sheet K according sar name diploma m na likha Ho to kya epfo se Paise nhi nikal payenge? Sadi K bad aksar es trh ki problem aati h... Mere diploma m nam K sath tripathi ni likha h, Baki high school n inter mediate m sar name likha h.... Plz reply me sir 🙏🙏🙏🙏🙏🙏
If I choose 12% instead of standard 1800, will it reduce my in-hand salary? What is the law? Can company take out employer contribution from my other components like 'special allowance' etc. ? or is it offence by company? Please give info on this.
Hello Sir, your video is extremely grateful but I have a question for you. In your video you have captured as an employer contribution to EPF but you didn't mention under which section?
Hi… thank you for such detailed video on EPF. Question - how long can i keep money in EPF when i am not contributing to EPF (not working in India anymore). Rule says for 36 months Interest will be paid is that true still
great video. Thank you. just one request, can you make a video on EPS details and how to apply for it ? how to find the EPS info of someone expired like father expired, now how can family find it?
EPF Employee contribution is covered under 80C for tax deduction with a cap of 1.5 L. What about Employer contribution, is this covered under some sections of income tax for deduction benefit? If yes under which section?
What is the tax on interest accrual for employee contribution? Also, the interest amount has to be more than 2.5 lacs or the investment for tax deduction?
Very nice video, Could you please make a detailed video on EPS (Pension) and how it has to be managed while changing jobs , what are the documents to be taken from Ex employer and how the claim is made
i have shifted to new organization where NPS is implemented instead of EPF. what should i do with the EPF / EPS after 3 years of non service in the last PF a/c
My company policy is if you want to deduct the pf, you will contribute both employee and employer amount. On that case can I go for pf dedication or not pls suggest me?
Pls clarify rules regarding credit of interest in EPF, in case of early retirement where one decides to quit early and do not want to withdraw the EPF corpus Wiĺl he get interest till 36 months or will he get (taxable) interest till retirement ?
Very useful Info Sir.! Thanks .. I have a question on VPF, Just help me to understand whether Money Invested in VPF is tax exempted completely over and above 80C limit ? For Example: I am under 30% tax slab and my 80C limit is over utilized by EPF and ELSS, apart from EPF I am contribution 1Lakh Extra as VPF. Now this 1laks is exempted from my salary TDS (30%) ? I am assuming this 1Lakh will debited before tax calculation. Or this 1Lakh will be debited post tax/TDS calculation and I need to pay 30% tax on this amount before it goes to VPF ? Please do clarify.
Please anyone answer : In Atal Pension Yojana: After demise of Subscriber and Spouse, corpus amount will be given to Nominee. What if the spouse is the nominee as well, Does the spouse get corpus as well as pension till death?
sir sarkari job wale jo utter pardesh me rahte hai vo kisme invest kre epf kya private job wale hi bhar sakte hai aur ye bhi btaye ki agar koi option nhi sarkari job walon ke paas to kya vo ppf khol skte hai
Agar ham Employee Contubution me VPF ke Through Kata te Hain..Maanlijiye Year 1 me basic Employee contribution 1800 hi rakha phir Maine VPF je Through Yearly Increase karta Gya year 2 1950...year 3 2300......Year 34 tak 10000 tak Badha diya...to Kitna difference dekh Payengey ham ye Corpus me..aur Kya Hame VPF pe Bhi interest milta Hai..?
The excel sheet is showing ###### on cells after 12 years, after entering a high salary amount, ig it is because of overflow when corpus exceeds 10 crores....
If an Employee worked in India for 10 continuous years, left his job and joined another job outside India after 3 months. His/her total (Employee + Employer contribution) is approx. 10 lac INR. Will he/she be able to withdraw all the EPF + EPS amount. If yes, does he/she need to fill and submit form 15G while applying online for this withdrawal ? Or he/she can ignore form 15G and go ahead applying online. Request clarity here.
Aapka me bahut saalo se followers hu. Thanks for sharing all details. Magar kush basic saval hai.. Businessman Business kare ya itane sare calculations? Sarkar kyu zabardasti ye karva rahi hai? Employee payment le aur vo kush b kare ? Esme employers ka kya role? Mere 17 Employee hai aaj.. Expansion karu ya nahi.. Ye zanzat mere fayde k hai ya nuksan k ?
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Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
@@NaufalKnoechel Quitting may not be the best approach if you ask me. This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. *MARGARET MOLLI ALVEY* ..
@@BotheGhita Oh please I’d love that. Thanks!
*MARGARET MOLLI ALVEY*
Lookup with her name on the webpage.
NPS pe bhi ek video banaye jisme ye jarur discuss kare ki NPS ke funds ko restructure kab kare aur kaise kare jisse maximum returns mile
There is no provident fund of current central government employees, only NPS.
Thanks for explaining everything in such a good manner.
I was extremely confused before Regarding EPF and all
But after watching this incredible video...It's all clear to me..Thanks 😊
❤
Suggestions- you must have a base amount. So, based on excel the current salary becomes the starting point. But there might be previous amount. So that becomes base.
Nice video and thanks for nice calculator, your loan calculator is awseome.
Sir agar paise nikalne hai job chodne k baad to kya poora Paisa nikal sakte hai pension wala part bhi
Sir make a video around NPS employer contribution and exemption on new tax regime, under 80CCD2.
Its a useless calculated, the excel sheet is locked thus when calculated EPF amount is more than 7 digit then I can't expand to see the total...great job team
Sir pls make detail video on NPS. Covering topics of taxation, withdrawal, plus and minus points of NPS
+1
Thank you the detailed explanation, you mentioned that 7:15 0.5 % is paid to EPFO as a premium for insurance.
1. How can we know the details about this insurance
2. If we want to use this insurance facility how can we use it?
Question:-
1:- Kya EPS withdrawal kara ja sakta h?
2:- EPS ko details me samjhaiye
Hi Mukul,
Taxation on EPF is complex after April 2020. An example of scenarios and taxes to be paid for HNIs would have been helpful.
There should be a base amount section if i already have amount in epf and working since last 12 years then i get the correct corpus .. and the calculator is great thank you
Can u pls provide the maturity calculation in case of VPF
Very informative video for All employees keep it up Sir.
Thank You sir,
Epf ke bare me bahut Sara video dekha. But aap jaisa samjhaye aisa nhi mila. Confusion clear ho gya. Thank u very much.
Sir pls reply this question ...After getting salary how many days it takes to reflect that months amount in EPF account?
I must say its a very nicely described video. One confusion they why a lot of people doesn't have pension only pf contribution goes to that employee.
Gazab samjhaya sir maja aa gya sara confusion khatam
अगर घर के रहे हो तो होम लोन का amount ज्यादा के vs PF से amount निकाल कर loan amount कम कर दे।
Which option is beneficial
Please can you create a separate video for only the topic of 100 percent withdrawal steps in case of scenario where a person is unemployed for more than 2 months.
I left job on Jan-2022 and still I kept money on EPF but not getting interest, this topic you missed to cover Sir Ji, please make video of reply on this, what should I do to get interest every year?
As it was mentioned in your video, that it's compound Interest on the EFP amount, If I login to EPFO site, it does not show any compound interest value. It just shows cumulative amount contributed by Employee & Employer. Where can I check my compounded interest value in EPFO site? Whether it shows in EPFO site or not ?
Sir how many years after your last contribution do you continue to get interest? basically no job so no contribution but have not withdrawn the epf fund. but for how long can I keep it hoping to continue getting the interest?
Tried using the calculator. I started working at the age of 22 and now I am 38. I know the current amount in my EPF. Using the calculator now at the age of 38, it does not consider what I already have in my account I believe. Please add this. There should be a field to enter the current EPF balance and it should start calculation from there.
If there is no contribution for 6 months or more than 6 months in any epf account then what are the consequences and what should do ? Please explain.. thank you.
one thing is missing in this calculator sir.... What if someone is having some initial amount already in EPF. Can you please consider that in your calculator?
PF EDIl Charges & Admin Charges how much percentage? ESIC me govt fees kiya hai?
Hello Sir, thanks for the informative video, ek query hai, agar koi person 58 age ke badh apna EPS i.e monthly retirement pension leta hai toh use kis age tak milti hai, is it till death ya jab tak uske EPS me balance/amount hai tab tak?
The calculator assumed we remain in the same company throughout the contribution period. Rule says if you change your company, interest will accrue for 18 Months of last employer contribution and then account remains as is since further contribution will come in EPF account opened by new company (in same UAN).
Very informative video. Appreciate the efforts to educate people. I have 3 questions:
First, if someone leaves the job and still want to stay invested till the age of 58 or 60 in EPF (without contributing further after leaving the job), is this allowed? Or withdrawal is mandatory who is not in job?
Secondly, pls elaborate on EPS process. Does it start automatically or How can someone apply for pension to start? Is this lifelong or till a certain age? Does this also continue for dependents? If someone leaves job at age 40 and withdraws EPF amount, what happens to accumulated EPS amount?
Thirdly, what if someone continues to work after 60 years of age. Lets say someone works till 65, will EPF and EPS amount still get added up?
Sir please make video on higher pension scheme vs old pension scheme. Which is better for compounding effect.
And the corpus We get from old pension scheme after age of 58 we could invest it in mutual fund swp plan.
Which one is better in that respect.
Hello sir,
I transferred out of india in same company in aug 2022 and I am no more contributing to PF now.
So what will happen to my PF balance.
For how many years I can keep my AC without removing PF balance.?
After how many years my AC will get doormat.?
Will I keep getting intrest.?
Intrest earned after my transfer or ac inactive will be taxable.?
Thanks in advance
Please talk about the EPS. How does one get a monthly pension.
Missing a couple of points in the calculator.. current amount in the PF account and VPF contribution... that will make your calculator complete
Thankyou so much aapne bhaut clear kr diya sir but ek just cheez mujhe clear krni h ki epf ka rupee alag milega or eps ki pension alag milegi right??
Hi pl make a detailed video on tax norms on different withdrawal methods of EPF
superb video for understanding the concept... please add one more column for the voluntary contribution of the employee.
Employer contribution breakdown is interchanged in the video. EPF is 8.33% and EPS is 3.67%. 5:33
UR A GENIUS MUKUL SIR ♥️
One question - during transfer, how is eps transferred from company to company ? Also, what are the rules for eps withdrawal ?
Sir agr mahilaon K document m high school K mark sheet K according sar name diploma m na likha Ho to kya epfo se Paise nhi nikal payenge? Sadi K bad aksar es trh ki problem aati h... Mere diploma m nam K sath tripathi ni likha h, Baki high school n inter mediate m sar name likha h.... Plz reply me sir 🙏🙏🙏🙏🙏🙏
If I choose 12% instead of standard 1800, will it reduce my in-hand salary? What is the law? Can company take out employer contribution from my other components like 'special allowance' etc. ? or is it offence by company? Please give info on this.
Hello Sir, your video is extremely grateful but I have a question for you. In your video you have captured as an employer contribution to EPF but you didn't mention under which section?
Yogi ji, is there TDS or taxability on the interest accumulation in PF account , on early retirement after 30 years of working?
Hi… thank you for such detailed video on EPF. Question - how long can i keep money in EPF when i am not contributing to EPF (not working in India anymore). Rule says for 36 months Interest will be paid is that true still
great video. Thank you. just one request, can you make a video on EPS details and how to apply for it ? how to find the EPS info of someone expired like father expired, now how can family find it?
sir jiski 15,000/- in hand salary hai oosko compulsary hai ya optional? please clear this.
EPF Employee contribution is covered under 80C for tax deduction with a cap of 1.5 L. What about Employer contribution, is this covered under some sections of income tax for deduction benefit? If yes under which section?
Epf ka payment retirement k time ek sath milta hai ya pention k roop me tuk tuk kar ke btaiye sir
What is the tax on interest accrual for employee contribution? Also, the interest amount has to be more than 2.5 lacs or the investment for tax deduction?
EPS ka jo contribution hai usko hum kab withdraw kar sakte hain ? Ya fir agar wo monthly pension main convert hoga to uska procedure kya hai ?
Sir, thanks for the info. Could you please tell me that how much amount would be deducted from 5 Cr by the Govt post retirement while withdrawal ?
What would be the monthly pension amount from EPFO after retirement, throw some lights on this aspect.
Very nice video, Could you please make a detailed video on EPS (Pension) and how it has to be managed while changing jobs , what are the documents to be taken from Ex employer and how the claim is made
previous company ka pention transfer kyu nhi hota new company m aur previous company ka pention amount kaha visible hota hai
Sir
According to my knowledge for the employer the maxi amount he will share Rs. 1800 or 12%
How to calculate the final EPF amount for someone who is 30 years old and already have an existing EPF contribution since the age of 22.????
Epfo me after change the job employeek death par kya hota hai?
Kya nominee ko total rs. Milte hai ya pension?
Sir epf ke kuch paisa nikal lenese baad me kya future pension paise me kuch v decrease hota he kya?
Sir should i withdraw my epf amnt to buy mutual fund or SIP... or not..pls tell which is best investment between mutual fund or epf..
Thank you so much sir the content was so clear and easy to catch.
You are most welcome
Great video
The Excel file does not account for VPF contributions.
Also, the base amount is not captured in the Excel.😊
i have shifted to new organization where NPS is implemented instead of EPF. what should i do with the EPF / EPS after 3 years of non service in the last PF a/c
Good information! Can you also tell based on the EPS balance, how much monthly pension one can get?
Can we decide the amount of employee and employer contribution? Like if I want to contribute 2000,is it possible?
My company policy is if you want to deduct the pf, you will contribute both employee and employer amount.
On that case can I go for pf dedication or not pls suggest me?
whether EPF is applicable for government employees ?
Pension can be more than Rs. 7500 if option A is selected. For option B pension is below Rs 7500.
Is it good to increase my contribution in EPF or invest this amount in other like NPS
Hello sir, nice video, Employer contribution is included in company CTC ? Or It is above CTC...please explain
Sir employee pension fund hai vo kya ham bich me utha sakte hai ya vo retirement ke bad hi milta hai
Interest on EPF deposit to account is quarterly or yearly?
Video is really good but There are few more things on EPF u have not covered yet.
What is the Taxation Clause if contributions is above 2.5 lakh employee contribution ??
EPF ke saath jp pension amount hai, wo bhi full withdraw kar sakte hai kya, EFP 100% withdrwal ke saath after withdrawal?
Pls clarify rules regarding credit of interest in EPF, in case of early retirement where one decides to quit early and do not want to withdraw the EPF corpus
Wiĺl he get interest till 36 months or will he get (taxable) interest till retirement ?
Is it necessary that 5 years continuous service should be in same organisation or can it be in different organisations as well??
Very useful Info Sir.! Thanks .. I have a question on VPF, Just help me to understand whether Money Invested in VPF is tax exempted completely over and above 80C limit ? For Example: I am under 30% tax slab and my 80C limit is over utilized by EPF and ELSS, apart from EPF I am contribution 1Lakh Extra as VPF. Now this 1laks is exempted from my salary TDS (30%) ? I am assuming this 1Lakh will debited before tax calculation. Or this 1Lakh will be debited post tax/TDS calculation and I need to pay 30% tax on this amount before it goes to VPF ? Please do clarify.
Thank you for sharing this video ❤ I had a question - on my passbook EPS is showing as 0, what does that mean?
where to show employer's contribution towards EPF in ITR ?
Please anyone answer :
In Atal Pension Yojana: After demise of Subscriber and Spouse, corpus amount will be given to Nominee.
What if the spouse is the nominee as well, Does the spouse get corpus as well as pension till death?
sir sarkari job wale jo utter pardesh me rahte hai vo kisme invest kre epf kya private job wale hi bhar sakte hai aur ye bhi btaye ki agar koi option nhi sarkari job walon ke paas to kya vo ppf khol skte hai
Agar ham Employee Contubution me VPF ke Through Kata te Hain..Maanlijiye Year 1 me basic Employee contribution 1800 hi rakha phir Maine VPF je Through Yearly Increase karta Gya year 2 1950...year 3 2300......Year 34 tak 10000 tak Badha diya...to Kitna difference dekh Payengey ham ye Corpus me..aur Kya Hame VPF pe Bhi interest milta Hai..?
The excel sheet is showing ###### on cells after 12 years, after entering a high salary amount, ig it is because of overflow when corpus exceeds 10 crores....
can you also add an option to add current accumulation in the calculation for PF at retirement
Return is 7% which hardly beat inflation and it will reduce soon 🙏
If an Employee worked in India for 10 continuous years, left his job and joined another job outside India after 3 months. His/her total (Employee + Employer contribution) is approx. 10 lac INR.
Will he/she be able to withdraw all the EPF + EPS amount. If yes, does he/she need to fill and submit form 15G while applying online for this withdrawal ? Or he/she can ignore form 15G and go ahead applying online.
Request clarity here.
Aapka me bahut saalo se followers hu.
Thanks for sharing all details.
Magar kush basic saval hai..
Businessman Business kare ya itane sare calculations?
Sarkar kyu zabardasti ye karva rahi hai?
Employee payment le aur vo kush b kare ? Esme employers ka kya role?
Mere 17 Employee hai aaj..
Expansion karu ya nahi..
Ye zanzat mere fayde k hai ya nuksan k ?
In many companies, Employer contribution part is borne by the Employee's salary itself, then why is it called Employer Contribution? Is it legal?
Sir,
I'm unable to merge my previous current account to current account due to the same exit and joining date. Can you what do I do now...
Sir maturity amount at the time off retirement, how many years additional can be kept and interests earned
Excel is protected and amount is not visible in cells after 10-15 years- cell width must be allowed to be changed
Sir,how can we consider pension amount this?please explain
what is an ideal amount 12% of basic or standard 1800 , from an employee perspective?
Nicely explained 🎉
Agar hume EFP me invest nahi karna ho to chalta hai kya ( if new account kholne ke baad or basic+DA >15000 ) kya hum account baad kar sakte hai ?
Sir service length is not ten years in one company but I'm contributing regularly in epfo through different companies am I eligible for eps pension
Sir Jo per month 1800 Amount Cut hota usko Increase kara sakte hai kya Usk Benifits aur Nuksan bhi bataye
EPF ka Paisa retirement pe ek sath nhi nikal skte kya ? Monthly pension Lena zaruri h?