EPFO

No NPS in My PSU: Why We Took It to Management — And What Employees Should Know Before It Arrives

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PSU employee comparing EPS pension slip with NPS growth chart

A 35-Year Career, a ₹6,000 Pension — Why This Needed Raising A colleague of mine retired after 35 years of service. Thirty five years of EPF deductions, employer contributions, all of it. His EPS pension came out to six thousand rupees a month. Six thousand. In today’s market, that is not an amount that can … Read more

PF Advance for PSU Employees: The Right Reason Gets You the Money (Wrong One Gets You Rejected)

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PF advance for PSU employees

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