PF, pension & gratuity
Calculate EPF and gratuity, compare UPS and NPS, activate your UAN with face authentication, claim the ₹15,000 first-job incentive and submit your life certificate.
Calculators & tools
Gratuity calculator
Calculate gratuity with the 15/26 formula, 6-month rounding rule, ₹20 lakh tax-free limit, ₹25 lakh central government cap and the 1-year fixed-term rule.
ToolEPF calculator (8.25%)
Estimate your EPF corpus at retirement from basic + DA, current balance, salary growth and the 8.25% rate for 2025-26 — and see how much goes to EPS instead.
ToolUPS vs NPS pension calculator
Compare the Unified Pension Scheme (assured 50% after 25 years, minimum ₹10,000) with NPS (market-linked, 60% lump sum, 40% annuity) on your own assumptions.
Guides
PF limit now ₹25,000: what changes
EPF wage ceiling is ₹25,000 from 17 Sep 2026 (was ₹15,000). Who gets covered, new PF deduction at ₹20k/₹25k/₹30k, in-hand, EPS pension and EDLI.
GuideCheck your PF balance (5 official ways)
5 official ways to check PF balance: missed call, SMS, UMANG, EPFO passbook and member portal. What each needs, how to read the passbook and fix errors.
GuideLife certificate (Jeevan Pramaan) 2026
Pensioners must submit a life certificate by 30 November; 80+ can submit from 1 October. Face authentication from home, other ways and common fixes.
GuideUAN activation via face authentication
EPFO now needs Aadhaar face authentication in UMANG for new UAN activation. Steps, why it matters for PF and the ₹15,000 incentive, and fixes for common errors.
GuidePM-VBRY: ₹15,000 for first job
First-time private employees on EPFO (salary up to ₹1 lakh) can get up to ₹15,000 in two instalments. Eligibility, face-authenticated UAN and bank seeding.
GuideEPS pension formula (EPFO)
EPS pension = pensionable salary × service ÷ 70. The salary cap rose from ₹15,000 to ₹25,000 on 17 Sep 2026. Minimum ₹1,000. Examples + eligibility.
GuideClaim / withdraw PF online
How to withdraw PF online: full vs partial (advance), who can take how much, which claim form, steps, TDS, time taken, claim status and fixes for rejections.
GuideFind your PF number and UAN
UAN vs PF number (Member ID) explained simply: where each is printed, official ways to find your UAN, and what to do if you have 2 UANs from different jobs.
About this section
Retirement money in India comes from several places — EPF and EPS for private employees, NPS or UPS for central government staff, gratuity from your employer, and pension that needs a yearly life certificate. Most problems here are linked to UAN–Aadhaar mismatches and bank seeding, which we explain step by step.
PF withdrawals and claims are free on the EPFO member portal and UMANG app. Do not pay agents who promise faster PF settlement.