Finance and Loans

EPF stands for the Employee’s Provident Fund which commonly known as PF (Provident Fund). It is a retirement benefits scheme available to all the salaried employees. Both the employees and employer makes an equal contribution in the PF which is 12% of per month basic wages, dearness allowance and retaining allowance (if any) payable to the employees. The EPF scheme is managed by EPFO. EPFO is the Employee’s Provident Fund Organization which works under the Ministry of Labor and Employment. PF is considered as a profitable investment for salaried employees. Earlier it was quite difficult to avail the PF services as it used to include multiple visits to the banks and others. But with the advancement in the technology now one can easily manage their PF accounts with the comfort of home. User is required to create an ID and password of the choice for PF login . The website of EPFO is simple and user-friendly. Basic details are required for creating a PF account.  Her

Plastic money has become a staple of our life. Its usage in day to day expenditures has made it our go-to alternative even if it is not the necessary item to lay our hands on. However, it is of prime importance to get in control of our limit in using Credit Cards. Essentially, the first step to remain financially stable is to be in charge of our debts. If you are the one who rely majorly on credit card for your expenditures due to your lifestyle demands, then it’s high time to take a back seat. It is important to keep a balance between your spending and earning capacity. Skipping credit card payments on time will attract hefty interest rates, which will have a negative impact on your credit score. Do not fret! We have a smart solution. Get the ball rolling now in taking corrective measures. Before it turns out to be an alarming situation for you, it is recommended to go for a personal loan to get out of the trap of struggle in the piled-up credit card debts. All you need to