Cash by CRED

PF and EPF

how to check PF with UAN number?

how to check PF with UAN number?

a universal account number (UAN) allows EPFO members to check their PF balance in under five minutes. this 12-digit number links all PF accounts from different employers. it serves as the primary access point for provident fund details. several options exist for checking the PF balance. the EPFO member

how to open a PF account online?

how to open a PF account online?

opening a PF account online is a straightforward process, but it depends on whether the account is for a salaried employee or a self-employed individual. the employees' provident fund organisation (EPFO) has different procedures for each category. salaried employees have accounts opened through the employer and linked to

PF withdrawal for home purchase: eligibility, rules and limits

PF withdrawal for home purchase: eligibility, rules and limits

EPF members can withdraw savings for home purchase: either for buying a residential plot, a house/flat, or for construction. under the new EPF Scheme, 2026, the rules have become significantly more flexible. minimum service: Most housing withdrawals now require just 12 months of employees provident fund (EPF) membership (reduced

loan against PF: is it possible? eligibility and alternatives

loan against PF: is it possible? eligibility and alternatives

the distinction is important. the member is not borrowing from the EPFO. they are taking out a portion of their own retirement savings early. there is no interest to pay, no equated monthly instalment (EMI) to track, and no repayment obligation. but there is a cost: the money stops earning

how to withdrawal PF for land purchase: eligibility and rules

how to withdrawal PF for land purchase: eligibility and rules

the EPF Scheme, 2026, effective from 29 June 2026, introduced significant changes to partial withdrawal rules. the biggest change: A minimum balance of 25% of the total employees provident fund (EPF) balance must remain in the account after any partial withdrawal. this applies to both employee and employer contributions. the

where can I find a PF interest rate calculator online and how do I verify it's accurate?

where can I find a PF interest rate calculator online and how do I verify it's accurate?

several websites and apps offer online pf interest rate calculators. these include financial portals, bank websites, and investment platforms. calculators from established names like Bajaj Finserv and equitymaster are usually more trustworthy. they use inputs such as current age, basic salary, and existing pf balance to estimate the retirement corpus.

PF withdrawal rules & charges and their impact on loan eligibility

PF withdrawal rules & charges and their impact on loan eligibility

PF withdrawals are not loans. there is no interest to repay and no equated monthly instalment (EMI) to track. but the cost is real. the cost is a reduction in retirement savings, potential tax deductions, and the loss of compounding growth on the withdrawn amount. these can affect loan eligibility