EPFO Voluntary Scheme for Gig Workers
Historic opportunity! EPFO ने unorganized sector workers के लिए Voluntary Provident Fund Scheme launch किया है। अब delivery partners, cab drivers, freelancers भी EPF account खोल सकते हैं—8.25% interest, tax-free growth, pension benefits!
🚀 EPFO Voluntary Scheme for Gig Workers
यह scheme पहली बार gig/platform workers को organized sector benefits देती है। अब आप भी salaried employees की तरह EPF account रख सकते हैं—retirement planning शुरू करें!
💼 Benefits Package
💰 Provident Fund (EPF)
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Interest Rate: 8.25% per annum (FY 2025-26)
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Contribution: आप decide करें—₹1,000 से ₹25,000/month
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Lock-in: 5 years minimum (early withdrawal allowed in emergencies)
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Tax Benefits: Contributions tax-free under Section 80C
🏥 Pension Scheme (EPS)
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Eligibility: 10 years contribution mandatory
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Pension Age: 58 years onwards
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Amount: Based on average salary (last 60 months)
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Death Benefit: Family को pension continuation
📊 Flexible Contribution Options
आप खुद decide करें monthly contribution:
💡 Smart Tip:
महीने में ₹3-5K invest करें—retirement के लिए ₹50L-75L corpus ban जाएगा। Emergency में partial withdrawal भी allowed है।
📝 How to Enroll (Pilot Program)
⚠️ Currently in Pilot Phase: Only select cities/platforms—full rollout expected by Q2 2026
Check Eligibility
- Age: 18-60 years
- Category: Self-employed / gig worker / platform worker
- No existing UAN (Universal Account Number)
- Aadhaar-linked mobile number
Register on EPFO Portal
Visit EPFO Unified Portal → "Voluntary PF for Gig Workers" → New Registration
Submit Documents
Required documents:
- Aadhaar Card (eKYC mandatory)
- PAN Card (for tax benefits)
- Bank account details (cancelled cheque)
- Platform proof (Zomato/Swiggy/Uber ID screenshot)
Set Monthly Contribution
Choose amount (₹1,000 - ₹25,000/month) → Auto-debit mandate setup → UAN generated within 7 days
Pilot program active in Delhi, Mumbai, Bangalore • Full rollout Q2 2026