7 EPFO benefits you might be missing out on

july 30, 2025

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The Employees' Provident Fund Organisation (EPFO) in India offers many useful but lesser-known benefits that can enhance the experience for the users. 

EPFO has a pension calculator that can help you calculate your pension based on contribution years and average salary, which can be helpful for planning your retirement. 

Pension calculator

When you change your job and submit Form 11 to your new employer, your EPF gets automatically transferred, eliminating the need for you to manage multiple accounts. 

Auto transfer 

You can make more than the standard 12% EPF contribution of your basic salary via the voluntary provident fund (VPF), which earns the same interest as EPF. 

VPF

By using Form 10 C, employees can claim pension benefits or transfer their EPS account when changing jobs before reaching retirement age to retain their pension benefits.

Form 10C

By linking your UAN with your PAN, Aadhaar and bank account, you can avail of EPFO services, including instant withdrawals and online KYC updates, among other things. 

UAN-Aadhaar-PAN linking

EPF members are automatically covered under the Employees’ Deposit Linked Insurance (EDLI) scheme with a coverage of up to ₹7 lakh.

Life insurance

The EPFO allows members to withdraw funds partially for many purposes, including medical emergencies, marriage, education, housing, etc. 

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