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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 14, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - May 08, 2024Hindi
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Relationship

Hi mam,I love a boy..We both are from different states.We both work as software engineers and earn well.I am 24 and he is 26.My parents were looking alliance for me so i told them ki I like a boy..From the day I have told them they have not even asked ny opinion .My mom just keeps on repeating your dad will die as he has high bp and diabetes..you will become fatherless..My dad says he will drink poison and kill me as well..he himself told me that his image in society is more important to him and no one has give me rights to marry a boy of my own choice..My parents keep on calling me to my home so that they can make me quit my job..even after telling that I love a boy my parents went behind my back and fixed a boy for me..they say that the boy they are looking for me will be perfect..now my dad is asing me to come home..pls suggest me what should i do ..should i run away or convince them

Ans: Dear Anonymous,
Classic emotional blackmail...this is not new and I have seen this in many households. Your parents are not wrong from their point of view as they feel they will choose the best person for you. But obviously blackmailing you with consequences like your father will die etc is childish and immature...
You are an adult and know what you are doing. But also, take your parents into confidence by reassuring them that you know what's right for you. Eventually in due course of time, they will come around...They might not too...Don't stress over it as any relationship that you enter into if it is based on what your parents wish may not be the best for you...
It's not about them but they are making all this about them...turn the attention onto yourself by talking to them about your independent thoughts, financial independence and how the boy is right for you (if of course the boy is right for you).
Wait patiently till they turn over...make this attempt with baby steps without giving into fights or bouts of arguments!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Mar 20, 2024

Asked by Anonymous - Mar 17, 2024Hindi
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Relationship
Hi ma'am I have suffered a lot with my parents since childhood they never allowed me to go outside with friends. I have never even attended a birthday party of my friends. They never want me to be independent and do something which I like to. Even on lockdown time they don't allow me to go to the terrace of my own house because they think I will talk with someone. Now I am doing a job in my city only but they also force me every day to leave that job because the are super unhappy that I am not dependent on them financially. I have a boyfriend and want to marry him but they will not agree to that also as it will be a intercaste marriage. And I will let them know about this they will house arrest me. My father also told me that even if I got a job of 1000k per month he is not going to allow me to do that. He just want me to stay in home do help my mother on house hold work and get married to his choice boy. I really love my boyfriend he is the one who supported me till now please help me that how can I get out of my house and get married to him. Also his parents are very supportive for me.
Ans: Dear Anonymous,
You are a grown-up...what makes you want to heed to your family's drama? Are you unsure of whether you will be able to make it without your family's support?
It's your life and if you know what you want of it and out of it, then do the things that make it happen. Take decisions and stick by them...
You clearly know what the issue is from your parents (from what you have shared here). When you are able to express it here to me, what stops you from actually telling your parents how you feel about the way they treat you? What will happen if you tell them that they are being obstacles in your happiness path?
Sometimes people; even if they are your parents must be told not to cross the line especially if it has begun to hamper your life's growth path. Be bold and firm...The biggest thing on your side is that your boyfriend and his family are in support of you. What more do you want?
Never heed to emotional blackmail from anyone even your own family. Your parents hold a great level of control over you and you have given them that power to do so...how much longer? Now when its' time for you to create your life, make sure what and how you include people in them.
Don't confront your parents, simply tell them that you are old enough to take decisions for yourself and that you would love if they supported you. If they don't and start their drama, you know what you must do...Build your life...

All the best!

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Kanchan

Kanchan Rai  |649 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 16, 2024

Asked by Anonymous - May 08, 2024Hindi
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Relationship
Hi mam,I love a boy..We both are from different states.We both work as software engineers and earn well.I am 24 and he is 26.My parents were looking alliance for me so i told them ki I like a boy..From the day I have told them they have not even asked ny opinion .My mom just keeps on repeating your dad will die as he has high bp and diabetes..you will become fatherless..My dad says he will drink poison and kill me as well..he himself told me that his image in society is more important to him and no one has give me rights to marry a boy of my own choice..My parents keep on calling me to my home so that they can make me quit my job..even after telling that I love a boy my parents went behind my back and fixed a boy for me..they say that the boy they are looking for me will be perfect..pls suggest me what should i do ..should i run away or convince them
Ans: It's important to acknowledge the complexity of the situation and the depth of your emotions. In such circumstances, finding a balance between honoring your own feelings and respecting your family's concerns can be incredibly difficult.

First and foremost, your safety and well-being are paramount. Threats of harm, whether directed towards yourself or others, are never acceptable and should be taken seriously. If you ever feel physically or emotionally unsafe, it's crucial to prioritize your own protection and seek support from trusted friends, family, or authorities.

In terms of navigating your relationship with your parents, open communication and understanding can be key. Despite the challenges, expressing your feelings to them in a calm and respectful manner might help them better comprehend your perspective. Sharing your thoughts, desires, and the reasons behind your choice may help bridge the gap between your differing viewpoints.

However, it's essential to approach these conversations with realistic expectations. Changing deeply ingrained beliefs and societal expectations is a gradual process, and it's possible that your parents may not immediately come around to your point of view. In such cases, setting boundaries to protect your emotional well-being may be necessary. This could involve limiting contact or seeking support from external sources such as counselors or support groups.

Ultimately, the decision to run away or to continue trying to convince your parents depends on your individual circumstances and what you believe is best for your future. Take the time to reflect on your values, priorities, and long-term goals. Surround yourself with supportive individuals who can offer guidance and encouragement as you navigate this challenging situation. Remember, you have the right to pursue happiness and fulfillment in your life, even if it means diverging from traditional expectations.

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Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Oct 28, 2024

Asked by Anonymous - Oct 24, 2024Hindi
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Relationship
Hello, I fell in love with a boy 6 years younger than me. Besides knowing that family and society will not accept this relationship I fell in love with him and we spend a beautiful nice happy moments with each other. My parents when get to know they forced me to stop my job snatched my phone stopped me to use any social media so that I cannot contact him. And I was not allowed to leave house alone. It's been 9 years now I still don't have my own mobile phone or are not allowed to leave house alone. In these years twice or thrice my partner's parents have called my father regarding our marriage proposal but my father refused. I have tried him alot of time that I can't marry anyone else we want to be with each other we love each other he just don't understand. I have even told him if not him I will always stay here without marrying anyone he said okay love here but I will not allow you to marry him. They are not of our standard he is younger than you he can't keep you. They even have told me false things like he has a girlfriend outside we have seen him with girl. He is alcoholic etc. my partner is now out of patience he said I need you with me now and when are you coming your parents are not agreeing it's been 9 years and same situation. So I initiated a healthy calm talk to my father again three days back. I told him I am 32 now and it's my decision I want to marry him. It might be a bad decision like you think but it would be my decision and I will bear the responsibility of that. And it will also help me to move on. I want to give a chance and want you to respect my decisions and he said you decision or wrong. He is not a good guy his mother has insulted me. And I said I am not living with his mother its him I want to spend my life with. He said I can't see your future their but I was firm on my decision and than he said I will think about it. Today my mother told my younger brother that father has said no to my decision. I don't understand i don't trust my mother she has lied to me before many times. And I am feeling stucked here
Ans: Dear Anonymous,
Well, whatever the reason, it is not fair to make your partner wait any longer. 9 years is a long time and from their side, they have tried to approach your family.
Why your family does not want this to happen can have many reasons, but what is it that you want? What makes you stuck? 32 is a great age to start taking decisions of life, you don't think? Move on this else, you will wait another couple of years and then realize that you have wasted enough time.
So, for once, keep your side of the family aside (in thoughts) and then ask yourself: Am I ready to marry my partner?
If YES, you know what to do and if NO, then you are perhaps making your family an excuse and not willing to move into marriage.
Reality check, but a necessary one...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

Anu

Anu Krishna  |1762 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Nov 21, 2024

Asked by Anonymous - Nov 16, 2024Hindi
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Relationship
Hi maam. I am a doctor and i am in relationship with a solider. We are very happy. But i told my family.. My family is not ready to accept him. As my both parents are lawyers and am doctor. My parents are very much concerned about there social status and want me leave this relationship anyhow for them and marry a guy of there choice. They have huge problem as he is normal solider not a officer ranked person. .... I tried to convice them. Alot.. But now both my parents started called me bad words and trap me like if i leave them and go they will suicide... Daily they calls me and tell that it will never happen. And if u leave ur parents for him they will commit suicide. Recently my dad is acting or actually he have i dont know... He does like a pyschotic person and told he feels like commiting suicides. He told because an doing lke this he feel pyachotic probome. Now he is on medication. And he is planning to do voluntart retirement as he is not able to work. He keep telling all this is because of my relationship and i want to marry my partner Both my mother and father is continuously telling no to my relationship and if i leave them they will suicide. They told me they don't care about how hard it will be for me to leave but somehow to leave amd save ur family I dont know. I am not able to leave my relationship Nor not able to makemy parents suffer I feel really frustrated
Ans: Dear Anonymous,
Being lawyers and then behaving immaturely is something that shocks me. But well, emotions can have different shades, right?
I do not subscribe to emotional blackmail which is what your parents are subjecting you to.
Social status difference is something that parents do worry about for their children. It's an age-old conditioning and hard for them to change.
Now let me ask you:
Besides loving this person (soldier), what are those qualities in him that can actually put your parents' mind at ease?

This is what you must be thinking of as challenging their conditioning is going to be of no use. Instead, find out what can actually appeal to them about him. It's about addressing all their concerns so that they feel that their daughter will never face any difficulties in future. Parents do what they can for their children and stepping into marriage is a huge responsibility for them. So, shift their focus onto his good qualities etc. Let the boy also make his effort to bond with your family. It takes time and a lot of effort; do just that!

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

..Read more

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Nayagam P

Nayagam P P  |10889 Answers  |Ask -

Career Counsellor - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Career
I am 43 year old Civil Structural Engineer working in an MNC. I am having 21 years of experience. I want to divert my carrier line which will enter me in IT mode or similar kind. I want to shift in Europe. I have bacholer and PG degree in Civil Engineering. The current design job pays me which is very less compared to my total experience. I lack presenting myself in interviews. How can I improve myself and switch the currier line in IT related work which will pay me higher. Pls guide. Requesting to reply individually at my id and not to post online. Thank you
Ans: (Answering your question on the RediffGURU platform amplifies our expertise's impact—thousands facing similar challenges benefit from our solution. Our response becomes a permanent, searchable resource for future seekers. Public contribution establishes our credibility as trusted advisors, transforming our knowledge into a valuable community asset and creating a meaningful legacy). Here is our comprehensive answer to your question: Your 21 years civil engineering expertise combined with Master's degree provides an exceptional foundation for IT transition. Strategic positioning emphasizing transferable skills, targeted certifications, and professional coaching enables successful pivot to higher-paying roles with a European relocation opportunity. OPTION 1: Technical Program/Project Management Track (Lower Risk, Faster Transition). Strategic Positioning: Position your 21 years civil engineering project management experience as directly transferable to IT program management. This approach requires minimum new technical learning while commanding premium compensation (Rs.80–120 lakhs annually in Europe equivalent). Career progression pathway: IT Project Manager (1–2 years) → Senior Program Manager → Enterprise Architect, with salary progression reaching Euro 90,000–150,000 annually. Implementation Steps: (1) Enroll in internationally recognized PMP (Project Management Professional) or CAPM certification—3-4 month preparation, Euro 500–800 cost, highly valued across Europe. (2) Simultaneously, complete cloud fundamentals certification (AWS Solutions Architect Associate, Rs.15,000–20,000)—demonstrates IT fluency without requiring coding expertise. (3) Hire career transition coach (Euro 1,500–3,000 for 5–8 sessions) specifically for mid-career IT transitions—focuses on interview narrative, addressing age concerns, positioning engineering background as strategic advantage. (4) Update LinkedIn profile emphasizing: project delivery excellence, stakeholder management, risk mitigation, cross-functional leadership—using IT-industry language. (5) Target roles: Technical Program Manager, IT Portfolio Manager, Digital Transformation Manager in companies valuing traditional project discipline. (6) Join European IT project management communities (PMI-Europe chapters, LinkedIn groups)—network strategically with hiring managers, learn European IT culture/expectations. OPTION 2: Cloud Architecture/Solutions Engineering Track (Higher Earning Potential, Structured Learning). Strategic Positioning: Pursue cloud architecture combining technical credibility with strategic thinking—highest-demand IT role (2025 data: cloud certifications top growth area globally). Salary potential: Euro 100,000–180,000 annually within 3–4 years. Career trajectory: Cloud Associate (1–2 years gaining experience) → Cloud Architect → Principal Architect, with strong European demand. Implementation Steps: (1) Enroll in structured cloud bootcamp (AWS/GCP/Azure—12–16 weeks intensive, Euro 5,000–10,000)—accelerates learning combining theoretical knowledge with practical labs. Platforms: Linux Academy, A Cloud Guru, or in-person European bootcamps (Germany, Netherlands offer excellent programs). (2) Obtain cloud certifications sequentially: AWS Solutions Architect Associate (foundational, 3-month study), then AWS Solutions Architect Professional (advanced). This demonstrates credible technical progression. (3) Develop small portfolio projects (3–4 projects deploying real cloud solutions—free-tier AWS/GCP—showcasing problem-solving: optimize costs, ensure security, design scalability). A portfolio demonstrates capability beyond certifications. (4) Hire specialized IT career coach (Euro 2,000–4,000, 8–12 sessions) —Focus on technical interview preparation (whiteboarding cloud design scenarios), behavioral storytelling (bridging civil engineering to cloud), and salary negotiation (Euro 100K+ levels). (5) Network strategically: attend cloud conferences (AWS Summit Europe, Google Cloud Next), join regional cloud user groups, and connect with CTOs/architects on LinkedIn—informational interviews learning expectations. (6) Target positions: Junior Cloud Architect, Solutions Architect, and Cloud Infrastructure Engineer in tech companies, financial services, and large enterprises modernizing infrastructure (high hiring volume in Europe). Please note, option 1 (Program Management) offers the fastest, lowest-risk transition leveraging existing expertise, achieving Euro 70–90K within 12–18 months. Option 2 (Cloud Architecture) requires 18–24 months of investment but achieves Euro 100–150K potential by years 3–4. Select Option 1 if prioritizing quick salary restoration; select Option 2 if valuing long-term earning potential and technological relevance. Regardless, professional career coaching addressing interview confidence is essential for successful transition. (Transition Safely: Expert Coaching, Fraud Prevention Guide - The above options provide a foundational framework for your career transition. However, we strongly recommend consulting a specialized Career Transition Coach with demonstrated expertise in European job placement and mid-career professional transitions. A qualified coach will develop a personalized roadmap aligned with your background, experience, and career aspirations. As you explore international opportunities, exercise heightened due diligence: thoroughly research coaching organizations and potential employers, verify credentials, check client testimonials, and confirm established track records in European placements. Be particularly cautious of fraudulent job offers and coaching services promising unrealistic outcomes (e.g., guaranteed placements, excessive upfront fees, vague service descriptions). Protect yourself by validating professional credentials through official regulatory bodies, avoiding providers requesting large advance payments, and cross-referencing company information independently. Strategic guidance from experienced, credible professionals significantly enhances transition success and European employment prospects while safeguarding your financial and professional interests). All the BEST for Your Prosperous Future!

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Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I plan to withdraw ₹6 lakh from my EPF after completing only 3 years of service, and my PAN is linked with my EPF account. Since my service period is less than 5 years, how much TDS at 10% will be deducted at the time of withdrawal? How will this EPF withdrawal be taxed in my income tax return, and can I claim a refund of the TDS deducted if my total income falls below the taxable limit?
Ans: You are thinking ahead, and that is very important. EPF withdrawal before 5 years has tax impact, but with the right understanding, there will be no surprise later.

» EPF withdrawal before completing 5 years of service
– Your total service is only 3 years
– EPF withdrawal is treated as taxable income
– PAN is linked, so TDS applies at a lower rate
– Withdrawal amount mentioned is Rs. 6 lakh

» TDS deduction at the time of EPF withdrawal
– When PAN is linked, EPFO deducts TDS at 10%
– TDS is calculated on the taxable portion of EPF
– In practical terms, EPFO usually deducts around Rs. 60,000 as TDS
– You will receive the balance amount after TDS deduction

» Important clarity on TDS
– TDS is not final tax
– It is only an advance tax collected by EPFO
– Actual tax depends on your total income for the year

» How EPF withdrawal is taxed in your income tax return
– EPF withdrawal is added to your total income
– Employee contribution portion becomes taxable
– Employer contribution portion becomes taxable
– Interest earned also becomes taxable
– The full taxable amount is taxed as per your income tax slab

» Filing income tax return after EPF withdrawal
– EPF withdrawal amount must be declared in the return
– TDS deducted by EPFO will appear in Form 26AS
– You must include both income and TDS details correctly

» Can you claim refund of TDS deducted
– Yes, refund is fully possible
– If your total income including EPF withdrawal is below taxable limit
– Or if your final tax liability is lower than TDS deducted
– The excess TDS will be refunded after return processing

» Common misunderstanding to avoid
– Many people think 10% TDS is final tax, which is not true
– Actual tax may be zero, lower, or higher based on income slab
– Not filing return will result in loss of refund

» Planning insight from a long-term view
– EPF is a retirement-focused asset
– Early withdrawal increases tax and reduces future safety
– Withdraw only if there is real financial need
– If employment resumes soon, transfer is always cleaner

» Finally
– TDS of around Rs. 60,000 will be deducted at withdrawal
– Entire EPF withdrawal is taxable due to service below 5 years
– Refund can be claimed if total income is within limits
– Proper return filing ensures no permanent tax loss

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I applied for EPF transfer, but the request was rejected due to a mismatch in my date of birth between EPFO records and Aadhaar/PAN. My old EPF account has a balance of ₹4.5 lakh. What is the correct procedure to get the date of birth corrected, how long does this correction process usually take, and will my EPF balance continue to earn interest during this period or will there be any loss of interest?
Ans: You have done the right thing by checking this issue early. EPF date of birth mismatch is common, and it is fully correctable. Your Rs. 4.5 lakh balance is safe, and there is no panic situation here. This can be handled in a structured and clean way.

» Why this mismatch happens
– Older EPF records were created based on employer data entry, not Aadhaar
– Even a small difference like day or month swap leads to rejection
– EPFO now treats Aadhaar as the master record
– Until DOB is matched, transfer and withdrawal requests stay on hold

» Correct procedure to update date of birth in EPFO
– Step 1: Ensure Aadhaar DOB is correct

If Aadhaar DOB is wrong, correct Aadhaar first

EPFO will not accept changes unless Aadhaar is accurate

– Step 2: Initiate “Joint Declaration” online

Login to EPFO member portal

Select “Joint Declaration” option

Choose “Date of Birth” for correction

Enter correct DOB as per Aadhaar

– Step 3: Employer verification

Current employer must digitally approve the request

No physical form is required if employer is active on EPFO portal

– Step 4: EPFO field office approval

EPFO officer verifies Aadhaar, PAN and service history

Once approved, DOB gets updated in EPFO records

» Documents usually required
– Aadhaar (mandatory)
– PAN (supporting)
– School certificate or birth certificate only if EPFO asks for extra proof
– In most cases, Aadhaar alone is enough

» How long this correction process takes
– Employer approval: 3 to 10 working days
– EPFO verification: 15 to 30 working days
– In some regional offices, it may go up to 45 days
– Follow up is possible through EPFO grievance if it crosses 30 days

» What happens to your Rs. 4.5 lakh EPF balance meanwhile
– Your EPF account remains active
– Money stays invested with EPFO
– No freeze on balance
– No deduction or penalty

» Will EPF continue to earn interest during correction
– Yes, interest continues to accrue
– EPF interest is calculated yearly, not daily
– As long as account is not withdrawn, interest is credited
– DOB correction or transfer rejection does NOT stop interest
– There is no loss of interest for this delay

» Impact on EPF transfer after DOB correction
– Once DOB is updated, submit transfer request again
– Transfer usually gets approved smoothly
– Past service period is fully preserved
– Pension eligibility and years of service remain intact

» Important points to keep in mind
– Do not apply for withdrawal while correction is pending
– Keep Aadhaar linked and active
– Track request status every week
– If employer delays, raise EPFO grievance online

» Broader financial planning insight
– EPF is a core long-term retirement pillar
– Keeping records clean avoids future delays during retirement
– Small admin issues today prevent big stress later
– You are doing the right thing by fixing this now

» Finally
– DOB correction is a process issue, not a financial loss
– Your money is safe
– Interest continues without break
– Once corrected, your EPF journey becomes smooth and future-ready

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
I resigned from my job in April 2024 and my EPF balance is ₹2.1 lakh. If I remain unemployed for 3 months, am I eligible to withdraw the full EPF amount, or is only a partial withdrawal allowed? What are the EPF rules regarding unemployment period, and does it make any difference if I do not join a new employer during this time?
Ans: You have taken a timely step by understanding EPF rules before acting. This clarity will help you avoid mistakes and protect your long-term savings.

» EPF rules after resignation and unemployment
– EPF withdrawal rules depend on the period of unemployment
– Resignation in April 2024 starts the unemployment clock from the last working day
– EPFO treats unemployment as no contribution from employer and employee

» Withdrawal eligibility after 1 month of unemployment
– After completing 1 full month without a job
– You are allowed to withdraw up to 75% of the EPF balance
– This is considered a partial withdrawal
– Remaining balance stays in the EPF account

» Withdrawal eligibility after 2 months of unemployment
– After completing 2 continuous months of unemployment
– You become eligible to withdraw 100% of the EPF balance
– This includes both employee and employer contribution
– Pension portion follows separate rules and is not paid in cash

» What happens if unemployment continues for 3 months
– Staying unemployed for 3 months does not restrict withdrawal
– Full EPF withdrawal remains allowed after 2 months itself
– No additional benefit for waiting beyond 2 months

» Does not joining a new employer make any difference
– Yes, it matters for eligibility
– If you do not join a new employer, withdrawal is allowed
– If you join a new employer, EPFO expects transfer, not withdrawal
– Even a short-term job with EPF contribution restarts employment status

» Interest on EPF during unemployment
– EPF continues to earn interest up to 36 months of no contribution
– Interest credit is done at year-end
– Withdrawing early may stop future interest accumulation

» Tax aspect to be aware of
– If total EPF service is less than 5 years, withdrawal may be taxable
– If service is 5 years or more, withdrawal is tax-free
– This includes service across multiple employers

» Practical decision guidance
– EPF is meant for retirement security
– Withdraw only if cash flow is truly needed
– If job search is ongoing, keeping EPF intact helps future compounding
– Transfer is always better than withdrawal when re-employed

» Common mistakes to avoid
– Withdrawing EPF just because it is available
– Ignoring pension portion rules
– Assuming 3 months wait gives higher benefit

» Finally
– After 2 months of unemployment, full EPF withdrawal is permitted
– 3 months of unemployment does not change eligibility
– Not joining a new employer allows withdrawal
– Joining a new employer shifts the option to transfer

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment

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Ramalingam

Ramalingam Kalirajan  |10984 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 22, 2026

Asked by Anonymous - Jan 22, 2026Hindi
Money
My monthly basic salary is ₹18,000. As per EPF rules, what percentage of my salary is deducted towards EPF every month? How much EPF contribution goes from my salary, how much does my employer contribute, and how is the employer’s contribution split between EPF and EPS? Please explain with exact amounts.
Ans: EPF rules are simple and helpful for salaried people like you.

» EPF Deduction Basics
– As per EPF rules, 12% of your basic salary gets deducted every month for EPF.
– For your Rs. 18,000 basic salary, your contribution is Rs. 2,160 (12% of 18,000).*
– This amount goes to your EPF account and builds your retirement corpus steadily.*

» Employer’s Total Contribution
– Your employer also puts in 12% of your basic salary, so another Rs. 2,160 each month.
– Total EPF deposit becomes Rs. 4,320 (your share plus employer share).*
– This matching contribution is a big plus, doubling your savings power without extra cost.*

» Split of Employer’s Share
– Out of employer’s Rs. 2,160, most goes to EPF but a part goes to EPS for pension benefits.
– For salary up to Rs. 15,000, EPS gets 8.33% (Rs. 1,250 max), rest to EPF. But since your basic is Rs. 18,000, EPS is still capped at Rs. 1,250.*
– So employer’s EPF gets Rs. 910 (2,160 minus 1,250), giving you good growth in both pension and provident fund.*

» Why This Setup Works Well
– EPF gives tax free interest around 8-9%, safe and better than many options.
– Your total Rs. 4,320 monthly addition grows big over years with compounding.
– Review your EPF statement yearly to track and appreciate this steady wealth builder.*

Final Insights
– EPF is a solid 360 degree start for retirement, insurance, and loan access.
– Keep contributing fully for max benefits. Talk to your HR if salary details change.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

...Read more

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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