EPFO ने कर्मचारियों के लिए ‘महामारी अग्रिम सुविधा’ की शुरुआत की है | अब आप अपने ईपीएफ खाते से 75% तक या 3 महीने के मूल वेतन और मंहगाई भत्ते में से जो भी कम हो, निकाल सकते हैं | अधिक जानकारी के लिए कृपया www.epfindia.gov.in पर जायें |
कोरोना वायरस के कारण पस्त हो रहे आम लोगों के जीवन को देखते हुए वित्त मंत्री निर्मला सीतारमण ने आज कई बड़े ऐलान किए। 1.70 लाख करोड़ रुपये के आर्थिक पैकेज के ऐलान के साथ-साथ EPF से जुड़े दो बड़े ऐलान भी किए जिनसे लोगों को काफी राहत मिलेगी।
वित्त मंत्री ने EPFO के सदस्यों के संबंध में जो बड़े ऐलान किए उनमें पहला, ईपीएफओ अब ईपीएफ खाते में रकम के 75 फीसदी या तीन महीने के वेतन (जो भी कम हो) को निकालने की अनुमति देगा। ईपीएफ अकाउंट से निकासी नॉन-रिफंडेबल होगी। दूसरा, सरकार अगले तीन महीने तक ईपीएफ खाते में नियोक्ता और कर्मचारी दोनों के हिस्से का पैसा खुद जमा करेगी।
EPF नियमों में होगा बदलाव
ये दो बड़े ऐलान करते हुए वित्त मंत्री ने कहा कि इसके लिए ईपीएफ नियमों में सरकार संशोधन करेगी। वित्त मंत्री ने कहा कि ईपीएफ अकाउंट्स की कॉन्टिन्युटी को बनाए रखने के लिए सरकार अगले तीन महीने ईपीएफ खाते में कंपनी और कर्मचारी दोनों का कॉन्ट्रिब्यूशन करेगी। यानी 12+12 %= 24%, पूरा कॉन्ट्रिब्यूशन सरकार की ओर से होगा।
क्या हैं EPF के नियम
ईपीएफ के नियमों के अनुसार, संस्थान और कर्मचारी दोनों मंथली सैलरी के 12 फीसदी तक का योगदान करते हैं। यानी बेसिक सैलरी का 12 पर्सेंट एम्प्लॉयी का योगदान होता है और 12 पर्सेंट कंपनी की ओर से। कंपनी की ओर से दिए 12% में से कुछ हिस्सा ईपीएस में जमा होता है, जो पेंशन के रूप में एक कॉरपस तैयार करता है। नए नियम 1 अप्रैल, 2020 से लागू होंगे।
कब निकाल सकते हैं EPF का पैसा?
ईपीएफ के मौजूदा नियमों के के तहत कर्मचारी समय से पहले कुछ खास कारणों के लिए अपने ईपीएफ का पैसा निकाल सकता हैं। इनमें नौकरी छूटना, शिक्षा, खरीद या घर का निर्माण, मेडिकल इमर्जेंसी वगैरह शामिल हैं। हालांकि, यह निकासी कुछ नियमों और शर्तों के अधीन है.
As per the new rule, EPFO allows withdrawalof 75% of the EPF corpus after 1 month of unemployment. The remaining 25% can be transferred to a new EPF account after gaining new employment. As per the old rule, 100% EPF withdrawal is allowed after 2 months of unemployment.
EPF rules relaxed to help tide over hardship caused by lockdown
Union Finance Minister Nirmala Sitharaman has announced that the rules related to Employees’ Provident Fund have been relaxed to help tide over hardship caused by the coronavirus lockdown. EPF subscribers will now be able to withdraw either 75 percent of the provident fund balance or 3 month wages as a non-refundable advance, whichever is lower. The move is expected to benefit around 4.8 crore employees.
She added that the government will be paying the Employees’ Provident Fund (EPF) contribution, both of employer and employee which comes up to 24 percent of an employee’s basis salary for the next three months. This is applicable to only those establishments which have up to 100 employees and 90% of them earn less that ?15,000.
The developments come as part of the Rs.1.7 lakh crore Gareeb Kalyan package announced by Finance Minister in order to reduce the hardships of the poor due to the lockdown forced by coronavirus.
It must be noted here that until now non-refundable advances are permitted only for specific purposes like housing, marriage etc. However, these were permitted only when the employee has put in a minimum services period.
New EPF Withdrawal Rules 2020
The EPF account consists of contributions from the employer and employee. However, the money in an EPF account cannot be withdrawn at whim.
Here are 10 important rules about EPF withdrawal:
- Money from the EPF account cannot be withdrawn during employment, unlike a bank account. EPF is a long-term retirement savings scheme. The money can be withdrawn only after retirement.
- Partial withdrawal from EPF accounts is permitted in the case of an emergency such as medical emergency, house purchase or construction, and higher education. Partial withdrawal is subject to limits depending on the reason. The account holder can request online for partial withdrawal.
- Although the EPF corpus can be withdrawn only after retirement, early retirement is not considered until the person reaches 55 years of age. EPFO allows withdrawal of 90% of the EPF corpus 1 year before retirement, provided the person is not less than 54 years old.
- The EPF corpus can be withdrawn if a person faces unemployment before retirement due to lock-down or retrenchment.
- The EPF subscriber has to declare unemployment in order to withdraw the EPF amount.
- As per the new rule, EPFO allows withdrawal of 75% of the EPF corpus after 1 month of unemployment. The remaining 25% can be transferred to a new EPF account after gaining new employment.
- As per the old rule, 100% EPF withdrawal is allowed after 2 months of unemployment.
- EPF corpus withdrawal is exempted from tax but under certain conditions. Tax exemption on EPF corpus is permitted only if an employee contributes to the EPF account for 5 continuous years. The EPF amount is taxable if there is a break in the contribution to the account for 5 continuous years. In that case, the entire EPF amount will be considered as taxable income for that financial year.
- Tax is deducted at source on premature withdrawal of the EPF corpus. However, if the entire amount is less than Rs.50,000, then TDS is not applicable. Keep in mind, if an employee provides PAN with the application, the applicable TDS rate is 10%. Otherwise, it is 30% plus tax. Form 15H/15G is a declaration form, which states that a person’s total income is not taxable and thus, TDS is avoidable.
- An employee does not have to await approval from the employer for EPF withdrawal anymore. It can be done directly from the EPFO, provided the employee’s UAN and Aadhaar are linked, and the employer has approved it. EPF withdrawal status can be checked online.
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