EPF (Employees' Provident Fund)
✓ Last verified 14 Sep 2026
The short version
EPF is the default, largely automatic retirement savings scheme for salaried employees at eligible organisations, funded by both employee and employer contributions through payroll.
See our full articles on EPF/NPS/PPF together and EPF withdrawal rules for the complete picture - in short, EPF applies to salaried employees at eligible organisations, with contributions deducted automatically from salary and matched by the employer, largely without the employee needing to actively manage it.
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