What Changed: EPFO’s New Voluntary PF Contribution Rule If you’re covered under EPFO, something changed for you on 29th June 2026. The government notified the new EPF Scheme, 2026, replacing the old 1952 scheme. One part of this update matters a lot more than it sounds: employees can now voluntarily contribute above the mandatory PF … Read more
Why PSU Employees Assume Leave Encashment Is Always Tax-Free A lot of PSU employees treat leave encashment like a quiet bonus, money the company hands you that somehow stays off the tax department’s radar. I hear this most from new joinees who haven’t sat through a payslip with TDS deducted on an encashment payment yet. … Read more
What Is Gratuity and Who Gets It in a PSU? It is not a bonus. It is not a gift from your employer. It is your legal right, a statutory payment you earn by serving an organisation for a minimum period of time. Think of it as a loyalty reward backed by law. The Payment … Read more
Why I Always Ask “Why?” Before Filing Anything Every time a colleague walks up to me saying “bhai, PF nikalna hai” — my first question is not “what’s your UAN?” My first question is “why?” PF is the single biggest financial asset most PSU employees are building. And they are building it mandatorily, whether they … Read more
The Fact That Surprised Me After 11 Years I have been a PSU employee for 11 years. I checked my salary slip every month. But one fact about my PF took years to actually sink in. My employer contributes 12% of my Basic Pay toward PF every month — matching my own contribution exactly. I … Read more