Salary and retirement
EPF, NPS, gratuity and your payslip, under the labour codes and the ₹25,000 PF ceiling.
Salary and retirementEPF wage ceiling raised to ₹25,000: what changes on your payslipThe PF wage ceiling went from ₹15,000 to ₹25,000 on 17 September 2026. What it means for take-home pay, your EPF balance and your EPS pension.Saifu team · 5 October 2026 · 2 minSalary and retirementEPF withdrawal rules 2026: how much you can take out, and whenUnder the EPF Scheme, 2026 you can withdraw up to 75% of your balance after 12 months of service. The reasons, the limits and the new waits.Saifu team · 5 October 2026 · 2 minSalary and retirementNPS withdrawal rules 2026: take up to 80% as a lump sumSince December 2025, non-government NPS subscribers can take up to 80% at exit, and all of it below ₹8 lakh. The new rules, the tax catch and the charges.Saifu team · 5 October 2026 · 2 minSalary and retirementEPF explained: contributions, interest, pension and taxHow EPF works in 2026: the 12% contributions, where the employer's share goes, how 8.25% interest is worked out, the EPS pension and when EPF is taxed.Saifu team · 4 October 2026 · 2 minSalary and retirementGratuity under the new labour codes: who gets it and how muchGratuity after 1 year for fixed-term staff, the 50% wage rule, the 15/26 formula and the ₹20 lakh tax-free limit, explained for 2026.Saifu team · 4 October 2026 · 2 min
Calculators
SIP calculatorLoan EMI calculatorCredit card EMI vs personal loanMinimum due calculatorCredit utilisation calculatorCredit score simulatorPPF calculatorFixed deposit calculatorIncome tax calculator: old vs new regimeEPF calculatorNPS calculatorGratuity calculatorHRA exemption calculatorSalary calculator: CTC to take-home
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