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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Nov 25, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Question by Vamshi on Nov 23, 2023Hindi

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Hello Sir, I started my career in 2017, I was never part of EPS scheme of EPF. My new company has started contributing to EPS, is it allowed to do so?

Ans: Yes, it is allowed for your new company to start contributing to EPS for you, even though you were not previously part of the EPS scheme. Currently, employees and employers can contribute 12% of the basic salary and dearness allowance to the EPF. Of the employer’s 12% contribution, 8.33% goes to the Employees’ Pension Scheme (EPS) and 3.67% to the EPF.

However, the 8.33% EPS contribution is capped at the maximum amount of Rs. 15,000 even when the employee draws a higher salary. The cap on the EPS contribution was introduced in 2014 through an amendment to the EPS.

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.

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Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Nov 25, 2023

Asked by Anonymous - Nov 22, 2023Hindi

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Sir, in my previous company I was eligible for EPS however not in my current company. I did EPF transfer but it was done without EPS. Please suggest step what I need to do ? Whether I can withdraw my EPS amount or if possible to transfer to my EPF account?

Ans: Since you were eligible for EPS in your previous company but not in your current company, your EPS account would become inactive when you transferred your EPF account. The EPS amount cannot be withdrawn, but it can be transferred to your current EPF account.

Here are the steps you need to take to transfer your EPS amount to your current EPF account:

Offline - Download Form 10C - Fill out the form - Get the form attested - Submit the form to EPFO

Online - EPFO website - Access your EPF Member Portal - Online Services - Claim (Form 31, 19 and 10C) - Check your employment KYC - Just Pension Withdrawal (Form 10C) - Validate OTP and Submit Claim Form.

Sanjeev Govila | Answer |Ask -Follow

Financial Planner - Answered on Feb 10, 2024

Question by Shanmukh - Feb 02, 2024Hindi

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Hello sir, I previously worked in an organization as an intern where both PF and EPS accounts were opened, however no eps contribution was made. While joining my current organization I submitted Form 11. Now the current employer is contributing into my eps (here my basic+ DA > 15000). Do I need to get anything changed?

Ans: As your current employer is making the required contributions to your EPS account and all the required details are also fetched through the recent employer, you do not need to get anything changed in your EPS account.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 24, 2025

Asked by Anonymous - Mar 23, 2025Hindi

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Hello Sir, I am a salaried employee and a EPF subscriber. I want to start VPF contribution. Will EPS contribution be deducted from my VPF contribution also (as it is the case in EPF contribution)? If yes, what percent of VPF contribution be deducted for EPS? Thanks a lot.

Ans: Hello;

EPS is NOT deducted from VPF contribution.

Best wishes;

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Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Asked by Anonymous - Jun 21, 2025Hindi

Career

Can I get vjti mechanical with 99.1 percentile from lopens, hs

Ans: It is possible to get VJTI mechanical engineering with a 99.1 percentile, but it depends on the specific category and whether you are applying as a Home State (HS) candidate. For the General Home State (GHS) category, the closing percentile for mechanical engineering can vary, but it has been around the 96th percentile in the past . Your 99.1 percentile should be sufficient for VJTI mechanical, especially if you are in a reserved category.Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Question by Anand - Jun 21, 2025Hindi

Career

Sir with jee crl rank 6 lakh what can I get in aktu counselling. Want Only CSE related branch

Ans: With such a low rank you should not go for engineering. Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

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Career Counsellor - Answered on Jun 21, 2025

Question by RYN - Jun 21, 2025Hindi

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Hello sir i got in mit manipal cse and pes ec cse (w possible upgradation to pes rr cse in next round). Which one shud i opt

Ans: Given that you have an offer for CSE at MIT Manipal and ECE at PES (with a possible upgrade to RR campus CSE), it's a good idea to choose the MIT Manipal CSE.Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

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Career Counsellor - Answered on Jun 21, 2025

Asked by Anonymous - Jun 21, 2025Hindi

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Which is better for me? ECE at SRM KTR or Mechanical at VIT Vellore?

Ans: The "better" choice between ECE at SRM KTR and Mechanical at VIT Vellore depends on individual priorities and career aspirations. VIT Vellore generally has a stronger reputation and better rankings, while SRM KTR might offer unique advantages depending on your specific interests within ECE. Consider your passion for the respective fields, desired career path, and the specific strengths of each institution before making a decision. Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Question by Shaleen - Jun 21, 2025Hindi

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We are confused to choose in between MUJ , Bennett, LPU & Amity Noida for Btech CSE . We are based in Noida pls suggest

Ans: Go for Amity Noida for Btech CSE .Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Asked by Anonymous - Jun 21, 2025Hindi

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What is the mbbs fee of Kempegowda Bangalore for a pvt seat? And what is it's cut off rank.

Ans: The first-year MBBS fees for a private seat at Kempegowda Institute of Medical Sciences (KIMS) Bangalore are ?11.5 Lakhs for the Private Quota (GMP/OPN). The cutoff rank for the General category (Government Quota) Round 1 under the state quota was 15053 in 2024. Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Asked by Anonymous - Jun 21, 2025Hindi

Career

Hello Sir, my son got 98 percentile in MHT CET. Please suggest the preference among, Civil in VJTI, fiber/oil/polymer in ICT, Electronics in DJ Sanghavi, CS in Somaiya college in Mumbai. Sir, we are totally confused, so could you please help us.

Ans: You need professional counselling for long time. Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Question by Pratik - Jun 21, 2025Hindi

Career

Hii sir. I have got 97.09%ile in MHT CET. Will I get mechanical or manufacturing engineering in COEP???? OBC male candidate.....

Ans: May get. Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Asked by Anonymous - Jun 21, 2025Hindi

Career

I am getting ECE at Manipal Jaipur and Electronic and Telecommunication(ENTC) at NMIMS Mumbai Campus. What should I select?

Ans: For ECE at Manipal Jaipur vs. Electronic and Telecommunication (ENTC) at NMIMS Mumbai, consider the following: NMIMS Mumbai is a well-regarded institution, and its engineering school is growing, with strong industry connections due to its Mumbai location. Manipal Jaipur, while a newer university, has a strong reputation in ECE, particularly for placements in IT and product companies. If you prioritize established reputation and strong placements, Manipal Jaipur's ECE might be a safer choice. If you value Mumbai's location for networking and internships and are comfortable with a newer program, NMIMS could be a good option. Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

Prof Suvasish Mukhopadhyay |1367 Answers |Ask -Follow

Career Counsellor - Answered on Jun 21, 2025

Question by Rohit - Jun 21, 2025Hindi

Career

I got 97.5 in mhtcet can I get any tech related branch in COEP vjti spit as an obc candidate pls help me with query..

Ans: With a 97.5 percentile in MHT CET, it's unlikely you'll get top branches like Computer Science or IT in COEP or VJTI as an OBC candidate. You might have a chance at some other branches in these colleges, or potentially get into SPIT for IT. Consider exploring other colleges like PICT or WCE, or even other branches within COEP and VJTI.Best of luck. I am always there by the side of the children who need counselling. May GOD bless always. Prof. Suvasish Mukhopadhyay.
https://www.linkedin.com/in/professorsm/

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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.

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