Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Is it true non-contributions for 3 years won't block my PF interest?

Nitin Narkhede |60 Answers |Ask -Follow

MF, PF Expert - Answered on Jan 21, 2025

Nitin Narkhede, founder of the Prosperity Lifestyle Hub, is a certified financial advisor with eight years of experience in helping clients design and implement comprehensive financial life plans.
As a mentor, Nitin has trained over 1,000 individuals, many of whom have seen remarkable financial transformations.
Nitin holds various certifications including the Association Of Mutual Funds in India (AMFI), the Insurance Regulatory and Development Authority and accreditations from several insurance and mutual fund aggregators.
He is a mechanical engineer from the J T Mahajan College, Jalgaon, with 34 years of experience of working with MNCs like Skoda Auto India, Volkswagen India and ThyssenKrupp Electrical Steel India.... more

Question by Ashutosh on Dec 01, 2024Hindi

Money

As I know the blocking of 3 years of non contribution is waived off. Each will get the interest continuously inspite of non contribution. Pls clarify

Ans: please elaborate the question?

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

MoneyReply

You may like to see similar questions and answers below

Mihir Tanna |1018 Answers |Ask -Follow

Tax Expert - Answered on Feb 16, 2023

Question by RAJGOPAL - Feb 07, 2023Hindi

Money

Sir, Is interest from PPF exempt under the new regime too

Ans: Yes, there is no change in PPF exemption under new regime

Milind Vadjikar |1036 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 18, 2024

Question by Sriraman - Oct 18, 2024Hindi

Money

what is the period that we can keep the PF account after no contribution ? will it gain interest and be tax free ?

Ans: Hello;

After 36 consecutive months of NO contribution, except interest, the EPF account becomes inoperative.

Once it is inoperative it won't earn interest.

Withdrawals will be tax-free but the account will have to reactivated.

Best wishes;

Samraat Jadhav |2213 Answers |Ask -Follow

Stock Market Expert - Answered on Feb 11, 2025

Asked by Anonymous - Feb 11, 2025Hindi

Money

Same ipo question QUANTAIS is the whatsup group 2 lacs first ipo invested got profit of of 1 lacs again they have lured and investment around 10 lacs ( 3 + 7 lacs) in second ipo and lost money by 50000 but they have again blocked the fund for two ipos one full 4 lacs and balance 7 lacs in ken ipo and insisting to pay 14 lacs you will get 56 lacs which I have refused that don't have funds today they are arranging topup of without interest they will fund my bank and I have forward same to them and they will be charging 0.000325 on ipo listed amount if I don't agree i have to face consequences but they are assuring no loss will be there?

Ans: its a scam, please raise a complaint to cyber crime

Latest Questions

Milind Vadjikar |1036 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 18, 2025

Question by Tonny - Feb 18, 2025Hindi

Money

Hi sir I am 42 years can I apply insurance 5 year ..I am working here gulf country I have NRI account yearly how much need to pay can you answer me details

Ans: Hello;

What is the sum assured you are looking at?

Is 5 year premium paying term?

Kindly clarify so as to advise you suitably.

Thanks;

Milind Vadjikar |1036 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 18, 2025

Question by Gregory - Feb 18, 2025Hindi

Money

how to select best performing midcap mutual fund for SIP

Ans: Hello;

What is the goal for which this investment is intended?

Also time horizon?

Based on your reply we can advise you suitably.

Thanks;

Milind Vadjikar |1036 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Money

I am 28 years old. I have decided to invest 40000 per month for 2years. Where should I invest? If it's in mutual funds, please suggest me the funds also.

Ans: Hello;

You may invest in equity savings type mutual fund with low to moderate risk rating.

It is a hybrid mutual fund with relatively lower allocation to direct equity.

Happy Investing;
X: @mars_invest

Milind Vadjikar |1036 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Money

I am planning to buy land loan for 10 lakhs. When approached ICICI, they informed minimum amount to be sanctioned is 20 lacs. Can I repay the surplus as part of EMI ? If yes , my monthly emi goes 1,75,000 My total income is 1.5 lacs per month and I can able to pay 1.75 emi by using the surplus and using the salary income Advise if it is wise decision? Interest rate at 8.75

Ans: Hello;

It's not fiscally prudent to borrow more then your requirement.

You may approach some other lender.
Even if rate of interest is slightly higher go for loan only for the required amount.

Also select a longer repayment period so the EMI burden will be lesser.

As and when you get surplus income like bonus do the loan principal repayment as early as possible.

You will also have to invest for retirement and other financial goals as well.

Best wishes;

Dr Dipankar Dutta |771 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Career

Sir, kindly help me to.choose between DTU ( mathematics and computing) vs iiitD ( CSAM)

Ans: If you prefer a deeper focus on CS and AI/ML, go for IIIT Delhi (CSAM). If you like a balance of mathematics and computing with broader career options, choose DTU (Mathematics and Computing).

Dr Dipankar Dutta |771 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 18, 2025

Question by K - Feb 18, 2025Hindi

Career

My son scored 99.28 percentile in JEE Main. Will he get NIT Trichy.. Any core branches.? He is interested in NIT-T. What about BITSAT... Which is the best option?

Ans: Congratulations. I think he will get NIT-T. You can see previous year cut off. I always refer NIT-T over BITS. He should prepare for JEE - Advance for IITs

Dr Dipankar Dutta |771 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 18, 2025

Question by Naan - Dec 12, 2024Hindi

Career

I'm doing First year B tech - Electrical and computer science engineering, i would like seek your guidance about short term course which i can study during semester holidays.

Ans: Search NPTEL. Courses are free. You can choose any courses based on your interest. If you are interested to give exam, then only you have to pay. That is also very nominal

Dr Dipankar Dutta |771 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Career

My son is in 10th standard. He scores around 91-92 percent so far and likes to study. He wants to prepare for IIT however we are confused if he should try to top colleges in India or should we consider education abroad in a good college. We will only be able to go for abroad education of he gets scholarship.

Ans: Fix target and then prepare accordingly. For IITs he has to prepare for JEE. For admission in colleges of other countries you have to prepare according to their need.

Dr Dipankar Dutta |771 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Career

Hello Sir, my daughter is currently in 11th standard cbse board. She wish to do MBBS, but her physics and chemistry is weak. Can you pls suggest how to improve these. Also pls advise other options after 12th class.

Ans: Fix your target. It can be NEET for MBBS. She can take admission in any coaching institution to improve her physics and chemistry .

Dr Dipankar Dutta |771 Answers |Ask -Follow

Tech Careers and Skill Development Expert - Answered on Feb 18, 2025

Asked by Anonymous - Feb 18, 2025Hindi

Career

I have got 92.28%ile in jee mains 2025 (general, female from Assam). Currently i also have my 12th boards going on, what will be the best option for now?

Ans: Your question is not clear to me. Which type of option?

Asked on - Feb 18, 2025 | Answered on Feb 18, 2025

Do I have any scope in govt college or I should start preparing for 2nd attempt? Because it has already become quite overwhelming for me to manage it with boards.

Ans: You should see previous year cut off. Next year you can concentrate only on JEE. So chances of getting higher percentile will be very high.

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x