{"id":143012,"date":"2026-07-02T15:31:29","date_gmt":"2026-07-02T10:01:29","guid":{"rendered":"https:\/\/centralindianews.in\/?p=143012"},"modified":"2026-07-02T15:31:29","modified_gmt":"2026-07-02T10:01:29","slug":"%e0%a4%95%e0%a5%87%e0%a4%82%e0%a4%a6%e0%a5%8d%e0%a4%b0-%e0%a4%b8%e0%a4%b0%e0%a4%95%e0%a4%be%e0%a4%b0-%e0%a4%aa%e0%a5%8d%e0%a4%b0%e0%a4%a7%e0%a4%be%e0%a4%a8%e0%a4%ae%e0%a4%82%e0%a4%a4%e0%a5%8d","status":"publish","type":"post","link":"https:\/\/centralindianews.in\/?p=143012","title":{"rendered":"\u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 ‘\u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0935\u093f\u0915\u093e\u0938 \u092d\u093e\u0930\u0924 \u0930\u094b\u091c\u0917\u093e\u0930 \u092f\u094b\u091c\u0928\u093e’ \u0915\u0947 \u0924\u0939\u0924 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0928\u094c\u0915\u0930\u0940 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e…"},"content":{"rendered":"

\u0905\u0917\u0930 \u0906\u092a\u0928\u0947 \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u092a\u0939\u0932\u0940 \u0928\u094c\u0915\u0930\u0940 \u0936\u0941\u0930\u0942 \u0915\u0940 \u0939\u0948 \u092f\u093e \u091c\u0932\u094d\u0926 \u0939\u0940 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 \u0916\u092c\u0930 \u0906\u092a\u0915\u0947 \u0932\u093f\u090f \u092c\u0939\u0941\u0924 \u0915\u093e\u092e \u0915\u0940 \u0939\u0948\u0964 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 ‘\u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0935\u093f\u0915\u093e\u0938 \u092d\u093e\u0930\u0924 \u0930\u094b\u091c\u0917\u093e\u0930 \u092f\u094b\u091c\u0928\u093e’ \u0915\u0947 \u0924\u0939\u0924 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0928\u094c\u0915\u0930\u0940 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947 \u0930\u0939\u0940 \u0939\u0948\u0964<\/p>\n

\u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924, \u092f\u094b\u0917\u094d\u092f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u20b915,000 \u0924\u0915 \u0915\u0940 \u0906\u0930\u094d\u0925\u093f\u0915 \u092e\u0926\u0926 \u092e\u093f\u0932\u0947\u0917\u0940\u0964 \u092f\u0939 \u0930\u0915\u092e \u0938\u0940\u0927\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u0906\u0927\u093e\u0930 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u092c\u0948\u0902\u0915 \u0916\u093e\u0924\u0947 \u092e\u0947\u0902 \u092d\u0947\u091c\u0940 \u091c\u093e\u090f\u0917\u0940\u0964 \u0906\u0907\u090f \u091c\u093e\u0928\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0932\u093f\u090f \u0915\u094c\u0928 \u092f\u094b\u0917\u094d\u092f \u0939\u0948 \u0914\u0930 \u0907\u0938\u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0915\u0948\u0938\u0947 \u0909\u0920\u093e\u092f\u093e \u091c\u093e \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n

\u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0915\u094c\u0928 \u0909\u0920\u093e \u0938\u0915\u0924\u093e \u0939\u0948?<\/strong><\/p>\n

\u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0938\u093f\u0930\u094d\u092b\u093c \u0909\u0928 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092e\u093f\u0932\u0947\u0917\u093e \u091c\u094b \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u0928\u094c\u0915\u0930\u0940 (formal employment) \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0902\u0917\u0947 \u0914\u0930 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 EPFO \u200b\u200b\u0915\u0947 \u0938\u093e\u0925 \u0930\u091c\u093f\u0938\u094d\u091f\u0930 \u0915\u0930\u0947\u0902\u0917\u0947\u0964<\/p>\n

\u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u091c\u093f\u0938 \u0915\u0902\u092a\u0928\u0940 \u092f\u093e \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092e\u0947\u0902 \u0915\u093e\u092e \u0936\u0941\u0930\u0942 \u0915\u0930\u0947\u0917\u093e, \u0909\u0938\u0915\u093e \u0915\u093e\u092e\u0915\u093e\u091c 1 \u0905\u0917\u0938\u094d\u0924 2025 \u0938\u0947 31 \u091c\u0941\u0932\u093e\u0908 2027 \u0915\u0947 \u092c\u0940\u091a \u0936\u0941\u0930\u0942 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n

\u0938\u093e\u0925 \u0939\u0940, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 1 \u0905\u0917\u0938\u094d\u0924 2025 \u0938\u0947 \u092a\u0939\u0932\u0947 EPFO \u200b\u200b\u092f\u093e \u0915\u093f\u0938\u0940 \u091b\u0942\u091f \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u091f\u094d\u0930\u0938\u094d\u091f (exempted trust) \u0915\u093e \u0938\u0926\u0938\u094d\u092f \u0928\u0939\u0940\u0902 \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964<\/p>\n

\u0907\u0938\u0915\u0947 \u0905\u0932\u093e\u0935\u093e, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0940 \u092e\u093e\u0938\u093f\u0915 \u0938\u0948\u0932\u0930\u0940 \u20b91 \u0932\u093e\u0916 \u092f\u093e \u0909\u0938\u0938\u0947 \u0915\u092e \u0939\u094b\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964 \u0907\u0938\u092e\u0947\u0902 \u0930\u094b\u091c\u0917\u093e\u0930 \u0905\u0928\u0941\u092c\u0902\u0927 (employment contract) \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0938\u092d\u0940 \u0935\u0947\u0924\u0928 \u0914\u0930 \u092d\u0924\u094d\u0924\u0947 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/p>\n

\u0930\u0915\u092e \u0915\u093f\u0924\u0928\u0940 \u0939\u094b\u0917\u0940 \u0914\u0930 \u0915\u0948\u0938\u0947 \u092e\u093f\u0932\u0947\u0917\u0940?<\/strong><\/p>\n

\u0938\u0930\u0915\u093e\u0930 \u0915\u0940 \u0913\u0930 \u0938\u0947 \u0926\u0940 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0940 \u092a\u094d\u0930\u094b\u0924\u094d\u0938\u093e\u0939\u0928 \u0930\u093e\u0936\u093f (incentive amount) \u090f\u0915 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 EPF-\u0938\u0902\u092c\u0902\u0927\u093f\u0924 \u0938\u0948\u0932\u0930\u0940 \u0915\u0947 \u092c\u0930\u093e\u092c\u0930 \u0939\u094b\u0917\u0940, \u091c\u093f\u0938\u0915\u0940 \u0905\u0927\u093f\u0915\u0924\u092e \u0938\u0940\u092e\u093e \u20b915,000 \u0939\u094b\u0917\u0940\u0964 \u092f\u0939 \u0930\u0915\u092e \u0926\u094b \u0915\u093f\u0938\u094d\u0924\u094b\u0902 \u092e\u0947\u0902 \u0926\u0940 \u091c\u093e\u090f\u0917\u0940\u0964<\/p>\n

\u092a\u0939\u0932\u0940 \u0915\u093f\u0938\u094d\u0924 \u0924\u092c \u0926\u0940 \u091c\u093e\u090f\u0917\u0940 \u091c\u092c \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0909\u0938\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092e\u0947\u0902 \u0932\u0917\u093e\u0924\u093e\u0930 \u091b\u0939 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0938\u0947\u0935\u093e \u092a\u0942\u0930\u0940 \u0915\u0930 \u0932\u0947\u0917\u093e\u0964<\/p>\n

\u0926\u0942\u0938\u0930\u0940 \u0915\u093f\u0938\u094d\u0924 12 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0928\u094c\u0915\u0930\u0940 \u092a\u0942\u0930\u0940 \u0939\u094b\u0928\u0947 \u0915\u0947 \u092c\u093e\u0926 \u0926\u0940 \u091c\u093e\u090f\u0917\u0940\u0964 \u092f\u0939 \u0926\u0942\u0938\u0930\u0940 \u0915\u093f\u0938\u094d\u0924 \u092c\u091a\u0924 \u0915\u0940 \u0906\u0926\u0924 \u0921\u093e\u0932\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u092c\u091a\u0924 \u0916\u093e\u0924\u0947 (savings vehicle) \u092e\u0947\u0902 \u091c\u092e\u093e \u0915\u0940 \u091c\u093e\u090f\u0917\u0940\u0964<\/p>\n

\u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0909\u0920\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u093e \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e?<\/strong><\/p>\n

\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u0947, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u0947 \u092a\u093e\u0938 \u092f\u0942\u0928\u093f\u0935\u0930\u094d\u0938\u0932 \u0905\u0915\u093e\u0909\u0902\u091f \u0928\u0902\u092c\u0930 (UAN) \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964
\n\u0938\u093e\u0925 \u0939\u0940, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0928\u0947 \u0909\u0938\u0940 \u0938\u0902\u0938\u094d\u0925\u093e\u0928 \u092e\u0947\u0902 \u0915\u092e \u0938\u0947 \u0915\u092e \u091b\u0939 \u092e\u0939\u0940\u0928\u0947 \u0924\u0915 \u0932\u0917\u093e\u0924\u093e\u0930 \u0915\u093e\u092e \u0915\u093f\u092f\u093e \u0939\u094b\u0964<\/p>\n

\u0926\u0942\u0938\u0930\u0940 \u0915\u093f\u0938\u094d\u0924 \u092a\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u0915\u094b 12 \u092e\u0939\u0940\u0928\u0947 \u0915\u0940 \u0905\u0935\u0927\u093f \u092a\u0942\u0930\u0940 \u0939\u094b\u0928\u0947 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0938\u0930\u0915\u093e\u0930 \u0926\u094d\u0935\u093e\u0930\u093e \u0909\u092a\u0932\u092c\u094d\u0927 \u0915\u0930\u093e\u092f\u093e \u0917\u092f\u093e \u092e\u0941\u092b\u094d\u0924 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u093e\u0915\u094d\u0937\u0930\u0924\u093e \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0930\u092e (financial literacy programme) \u092d\u0940 \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u093e \u0939\u094b\u0917\u093e\u0964 \u0910\u0938\u0947 \u092e\u0947\u0902, \u0905\u0917\u0930 \u0906\u092a \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 EPF \u0915\u0947 \u0926\u093e\u092f\u0930\u0947 \u092e\u0947\u0902 \u0906\u0928\u0947 \u0935\u093e\u0932\u0940 \u0928\u094c\u0915\u0930\u0940 \u0915\u0930 \u0930\u0939\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0938\u092d\u0940 \u092a\u093e\u0924\u094d\u0930\u0924\u093e \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u0906\u092a \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u093e \u092b\u093e\u092f\u0926\u093e \u0909\u0920\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n","protected":false},"excerpt":{"rendered":"

\u0905\u0917\u0930 \u0906\u092a\u0928\u0947 \u0939\u093e\u0932 \u0939\u0940 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u092a\u0939\u0932\u0940 \u0928\u094c\u0915\u0930\u0940 \u0936\u0941\u0930\u0942 \u0915\u0940 \u0939\u0948 \u092f\u093e \u091c\u0932\u094d\u0926 \u0939\u0940 \u0936\u0941\u0930\u0942 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0939\u0948\u0902, \u0924\u094b \u092f\u0939 \u0916\u092c\u0930 \u0906\u092a\u0915\u0947 \u0932\u093f\u090f \u092c\u0939\u0941\u0924 \u0915\u093e\u092e \u0915\u0940 \u0939\u0948\u0964 \u0915\u0947\u0902\u0926\u094d\u0930 \u0938\u0930\u0915\u093e\u0930 ‘\u092a\u094d\u0930\u0927\u093e\u0928\u092e\u0902\u0924\u094d\u0930\u0940 \u0935\u093f\u0915\u093e\u0938 \u092d\u093e\u0930\u0924 \u0930\u094b\u091c\u0917\u093e\u0930 \u092f\u094b\u091c\u0928\u093e’ \u0915\u0947 \u0924\u0939\u0924 \u092a\u0939\u0932\u0940 \u092c\u093e\u0930 \u0928\u094c\u0915\u0930\u0940 \u0915\u0930\u0928\u0947 \u0935\u093e\u0932\u0947 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947 \u0930\u0939\u0940 \u0939\u0948\u0964 \u0907\u0938 \u092f\u094b\u091c\u0928\u093e \u0915\u0947 \u0924\u0939\u0924, \u092f\u094b\u0917\u094d\u092f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u094b \u20b915,000 […]<\/p>\n","protected":false},"author":3,"featured_media":143013,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[107],"tags":[],"class_list":["post-143012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-107"],"jetpack_featured_media_url":"https:\/\/centralindianews.in\/wp-content\/uploads\/2026\/07\/kgukiufikuf.jpg","_links":{"self":[{"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/posts\/143012","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/centralindianews.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=143012"}],"version-history":[{"count":2,"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/posts\/143012\/revisions"}],"predecessor-version":[{"id":143015,"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/posts\/143012\/revisions\/143015"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centralindianews.in\/index.php?rest_route=\/wp\/v2\/media\/143013"}],"wp:attachment":[{"href":"https:\/\/centralindianews.in\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=143012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/centralindianews.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=143012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centralindianews.in\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=143012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}