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Employees Provident Fund Vs Public Provident Fund, Which is Better?

by Alex

Employees Provident Fund Vs Public Provident Fund, Which is Better?

In today's scenerio there are multiple options for tax savings including Employees Provident Fund, Public Provident Fund & National
Pention System. Peoples planning for thier retirement more focuses on Employees Provident Fund or Public Provident Fund but they confused between the two
so we are briefing the two so you can make your choice.

1) Eligibility:-

Employees Provident Fund (EPF) is governed by the Employees Provident Fund Organisation (EPFO) and is only for salaried individuals. This is a mandatory
savings scheme that is applicable to employees of a company with more than 20 employees or for employees whose salary is above the minimum amount stipulated.
On the other hand Public Provident Fund (PPF) is offered by banks and post offices to everyone, regardless of whether you are salaried or not.

2) Contribution rules

Investing in Employees Provident Fund (EPF) is mandatory for the salaried, provides the organisation you are working in conforms to the EPFO regulations.
Up to 12 per cent of your Basic salary + Dearness Allowance (DA) is deducted and contributed to your EPF account. In addition to this, your Employer’s contribution, which is equal to yours.
If you want to increase your contribution to EPF, you can request your employer and apply for a Voluntary Retirement Scheme (VPF), which is an extension of EPF.
Keep in mind that VPF contributions are completely up to you, and while you may increase your contribution, your employer is not obligated to do so.
PPF is also a voluntary retirement scheme that was introduced to encourage savings for retirement. In a single financial year, you can make a minimum deposit of Rs 500 and a maximum of Rs 1.5 lakh.
The contributions can be in lump sum or in instalments.

3) Rate of interest

The interest rate on Employees Provident Fund (EPF) is declared by the EPFO every year. For now, it is 8.55%. The Public Provident Fund (PPF) interest rates are linked to the 10-year government bond
yields and change on a quarterly basis. For the last quarter of the 2018-19, the PPF interest rate stands at 8%.

4) Tax benefits

The maturity amount you get when your Employees Provident Fund (EPF) matures is examted from tax only if you have a track record of at least five years of continuous service.
If you switched jobs within this time period, you can avoid tax by transferring your existing EPF account to your new employer. In case of unemployment, your Employees Provident Fund (EPF) interest for that particular
period is taxable. Public Provident Fund (PPF) has an EEE tax status. This means your PPF investment is tax-free at all levels, contribution, accumulation, and maturity.

5) Lock-in period

An Employees Provident Fund (EPF) account has a lock-in period of five years to get tax benefits. However, you can transfer the same account with every new employer.
You can withdraw the maturity amount either on retirement after the age of 55. In case of PPF, there is a lock-in period of 15 years.

6) Premature withdrawal

You can make tax-free Employees Provident Fund (EPF) withdrawals after the completion of five years of continuous service. If you withdraw before completing five years,
you will be charged 30 per cent TDS in the absence of PAN details and 10 per cent if you have submitted the PAN details with EPFO. Also, the premature withdrawals are
only allowed in case of wedding of childrens, repayment a home loan, and medical treatment, among others.

The timeline varies for each. For example, you can withdraw for marriage expenses only after 7 years. According to the new rules you can withdraw 75 per cent of EPF if you are unemployed
for at least a month. In this case, your account is maintained with EPFO until you get another job. Also, you can withdraw the rest, after two months of being unemployed.

From the seventh year onwards, you can withdraw a sum of money from your PPF account, but there are certain thing to follow. You can withdraw the lower amount between the 50 per cent
of the balance during the end of the fourth year or 50 per cent of the balance at the end of the year before you withdraw. Remember that you can withdraw only once a year,
This amount is free from taxes.

Ridaex TV customer care / Service Center / Toll Free Details

by Alex
Ridaex Technologies Ridaex Technologies is an Indian Based LED Tv manufacturing company and having a well-established manufacturing unit in Rajkot, Gujrat. Ridaex is been manufacturing most advanced open-source Android Televisions and creating a touch competition to other Budget Television makers in India. It is fully authentic Indian Company making Ridaex Brand Smart & android Tvs. They had launched their TVs in 2017. They are manufacturing their 93% of components in India and rest of 7% they are importing from Hong-Kong. Ridaex TV customer care / Service Center / Toll Free Details:- Ridaex LED TV Customer Care Helpline No.:- 080-30656889 Ridaex LED TV Customer Care Email ID:- support@ridaextv.com To Find Your Nearest Ridaex LED TV Service Center Click Here Some Of Their Service Centers are as Below (Please Verify From Above "Click Here" Link Before Contacting Any of Below Mentioned Service Centers):- 1. SHREE GANESH REFRIGRATION, OPP. OLD COURT ROAD, RANI TALAB, NR. SAI MAHAL HOTEL, JIND 126102.,Jind,Haryana 2. OLD DC ROAD BEHIND MAN MANDIR NEAR DEEPAK MANDIR SONIPAT,Sonipat,Haryana 3. KULDEEP ELECTRO CARE, NR. SAI NIWAS, KEHWAL ROAD, RAM NAGAR, MANDI - 175001,Mandi,Himachal Pradesh 4. PARDEEP ELECTRONICS, BANGRAN CHOWNK, POANTA SAHIB, DIST - SIRMOUR - 173025,Ponta,Himachal Pradesh 5. Adarsh Colony , Pachenda Road, Near Shekar Nursing Home , Muzaffarnagar - 251001,Muzaffarnagar,Uttar Pradesh 6. 19A 4 , Behind Jail, Civil Lines Jhansi-284001,Jhansi,Uttar Pradesh

Daiwa / Videotex LED TV Customer Care / Service Center / Toll Free Details

by Alex
Videotex was founded in 1984 & launched their TVs under brand name Videotex.In 1991 they started manufacturing color TVs for other companies as ODM/OEM. In 1996 they launched Videotex International Pvt. Ltd.In 2008 company goes global & opened two more manufacturing factories in China. In 2011 they started manufacturing LED TVs under their own brand. Videotex India is having 32 years of vast experience. The company continued its position with technology & quality and expanded its oprations by setting up their 2nd and 3rd factories in Greater Noida and Parwanoo in 2008. Also company opened its overseas office in Shenzhen China. Daiwa is also sub brand of videotex India. Daiwa / Videotex LED TV Customer Care / Service Center / Toll Free Details:- Daiwa LED TV Customer Care Number:- +91-8882 569 569 To Find Your Nearest Daiwa Service Center Click Here

Iffalcon LED TV Customer Care / Service Center / Contact Details

by Alex
Iffalcon FFalcon Technology was Founded on July 26th, 2017 in Shenzhen & is responsible for the operations of global smart TV platforms of TCL Multimedia and its subsidiary companies. It is also engaged in the design, production, manufacture and sales of smart TVs with FFalcon, iFFalcon or new other brands. iFFALCON Technology Holdings Ltd, a subsidiary of Chinese electronics company TCL Multimedia, is evaluating making smart TVs in India. Simple joy, Simple love. This is their brand slogan. Their vision is to provide consumers the ultimate experience of products and services of family digital entertainment to make their life better and more simplified. The company was formerly the TV Business Centre of TCL Multimedia. Relying on the strong capabilities of capital, research and development, and global supply chain of TCL, they have prominent competitive edges in hardware, technology and services. In July 2017, the Chinese internet giant Tencent became the second largest Major Shareholder of FFalcon. In February 2018, South New Media became another Major Shareholder by attaining shares assigned by TCL. Their global operation businesses include videos, applications, games, music, TV shopping, app store and content copyrights and have covered 135 countries in 6 continents globally. They have built up business partnerships with key players in the internet and OTT industry like Tencent, Alibaba and Google. They have established business cooperation with many premium global content providers like Netflix, YouTube, Gameloft and Spotify. Iffalcon LED TV Customer Care / Service Center / Contact Details:- Iffalcon LED TV Customer Care Helpline No.:- 1800 500 5511 Iffalcon LED TV Customer Care Helpline Email ID :- indiasupport@ffalcon.cn For Online Registration of complaint or for Installation of new TV Click Here

Blaupunkt Customer Care / Service Center Details

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Blaupunkt In 1923 A company named “Ideal” was first founded in Berlin when radio was still in its infancy. Every unit was carefully tested by technicians and labeled with a seal for quality – the blue dot. It did not take long before customers simply asked for the “bluepoint” (which means in German BLAUPUNKT) products. The blue dot quickly became a symbol of outstanding quality. The First Car Radio worldwide was launched by Blaupunkt in 1932. In 1938 The dot became a trademark and the company name - Blaupunkt (which means blue dot). Till 1996 A full range of consumer electronics and car multimedia was successfully distributed in more than 50 countries. There were other milestones for Blaupunkt, such as the DX-N-Online, the navigation unit with online functionality (2001), the first digital car radio with an MP3 decoder, multimedia card slot and recording function (2003), and the first dynamic and intuitive navigation system with TFT colour display (2005). With tablet computers, TVs, air conditioning devices and kitchen appliances, as well as audio, security and navigation systems, since 2010 Blaupunkt has developed into a consumer lifestyle brand with significant growth. Blaupunkt believes that its most important task and responsibility is to ensure that the blue dot not only shines in cars around the world, but that the brand also brings a new shine and prestige to all consumer electronics business segments. Blaupunkt Customer Care / Service Center Contact Details:- Blaupunkt TV Customer Care Helpline Number :- 1800 3000 2621 Blaupunkt Audio Customer Care Helpline Number :- 1800 843 4333 / 8860022600 Blaupunkt Audio Customer Care Helpline Email ID:- wecare@blaupunkt-audio.in Blaupunkt Mobile Customer Care Helpline Number :- 1800 419 9112 Blaupunkt Audio Customer Care Helpline Email ID :- care@blaupunkt-mobile.in To Find Your Nearest Blaupunkt Audio Service Center Click Here

Skyworth LED TV Customer Care / Service Center Details

by Alex
Skyworth Skyworth was established in 1988, with the head office located within Shenzhen High Tech Industrial Park which is honored as China’s silicon valley, and has more than 20,000 employees. Skyworth is a large-scale high-tech corporation mainly engaged in the development and manufacturing of consumer electronics, display devices, digital set top boxes, security monitors, network communication, semi-conductors, refrigerators, washing machines, cell phones and LED lighting etc. In 2000 Skyworth was listed on the main board of HK Stock Exchange (HK0751). After a development of more than 20 years, Skyworth has grown to be one of the Top Ten Color TV brands in the world and a top brand in Chinese display industry market, and was ranked 14th among the top 100 electronic enterprises in China. In 2012, the brand value of Skyworth has reached 5.7 billion USD. Established in 1988, Skyworth is headquartered in Shenzhen.Hong Kong Skyworth Digital Holdings Co Ltd is incorporated in Bermuda. From 1996 to 2000 is termed by the company its "fast growth period";during which it was the number four, in term of production volume, television manufacturing company in China.This period of growth culminated with an IPO on the Hong Kong Stock Exchange in April 2000. After 2000, Skyworth experienced problems resulting from such quick expansion. It shuttered a small appliances unit and sold to creditors an 80% equity stake in its newly minted mobile phone subsidiary for a nominal sum.The firm has experienced lower sales and tighter margins in a sector that has been slow to bring out new products. Greener LED TVs are seen as a bright spot in a gloomy market Skyworth LED TV Customer Care / Service Center Details:- Skyworth LED TV Customer Care Contact No.:- 1800 1210 108 Skyworth LED TV Customer Care Email ID :-info@skyworth.in To Find Your Nearest Skyworth Service Center Click Here

Thomson TV India Customer Care / Service Center Contact Details

by Alex
Thomson India 120 YEARS OF HISTORY:FROM 1893 UNTILL TODAY With a rich heritage stretching back for more than 120 years, the Thomson brand has been part of the world’s greatest technological revolutions with an unwavering dedication to making innovation accessible to all. At home and beyond, our innovations are intrinsic to everyday life. We contribute to the special moments you share with your friends and family. The Thomson brand offers a vast range of electrical products spanning Television, Audio Video, Telephony, Information Technology, Connected Devices, Home, Small and large Appliances and Healthcare & Well-being. HDR TECHNOLOGY If you wanted to buy a new TV recently, you've heard about Ultra High Definition (UHD) or 4K technology. When UHD was launched a few years ago, multiplying by four (UHD = 3840 x 2160 pixels) the resolution of high definition images (HD = 1920 x 1080 pixels), which is already a lot, was a significant advance. But the latest TVs coming out on the market today are not only UHD, but also HDR. Thomson TV India Customer Care / Service Center Contact Details:- Thomson TV India Customer Care Helpline No.:- 18008438777 Thomson TV India Customer Care Helpline Email ID:- consumercare@thomsontv.in

Prestige India Customer Care / Toll Free / Service Center Details

by Alex
Prestige India Over the past five decades TTK Prestige Limited, has emerged as India’s largest kitchen appliances company catering to the needs of home makers in the country. Every Prestige brand product is built on the pillars of safety, innovation, durability and trust, making the brand the first choice in millions of homes. Prestige Smart Kitchen, a division of TTK Prestige Ltd, is an exclusive retailer for Prestige Products. A Prestige Smart Kitchen outlet is the only store where every Prestige Product is available 365 days a year. Every model and every variation available for you to see and evaluate. A Personalized sales team helps you understand your complete requirement and suggests appropriate products. The TTK Group was founded in 1928 as an indenting agency. Mr. T.T. Krishnamachari pioneered organized distribution in India. The young dynamic businessman set up distribution for a wide range of products ranging from Foods, Personal care products, Writing instruments, to Ethical products. Distribution for various brands like Cadbury’s, MaxFactor, Kiwi, Kraft, Sunlight, Lifebuoy, Lux, Ponds, Brylcreem, Kellogg's, Ovaltine, Horlicks, Mclean, Sheaffer’s, Waterman’s & much more was established. Today the TTK group spans 30 product categories with 7 group companies and a turnover that cross 30 Billion rupees. The group company products reach every continent of the world. TTK Prestige Ltd. is the flagship company of the group. Prestige India Customer Care / Toll Free / Service Center Details:- Prestige India Customer Care Helpline No.:- 1800-123-334411 / 9535621112 Prestige India Customer Care Helpline Email ID:- customercare@ttkprestige.com / websitecustomer.support@prestigesmartkitchen.com To Find Your Nearest Prestige Service Center Click Here To Find Your Nearest Prestige Store Click Here

Signoracare Home Appliances Customer Care / Toll Free / Service Center Details

by Alex
Signoracare SignoraCare assures you the best of its quality yet at such a competitive rate. The solid proof of their Confidence in the quality is the Warrantee of SignoraCare for the period of one year, if your SignoraCare product ever requires any attention. Authorized service centres in important towns all over India are staffed with technicians trained and equipped with specially designed tool kit to give you expert service. They offer life long free service. You will find the SignoraCare Kitchen Machine really does all kitchen work quickest and with least trouble and greatest safety in a very marvellous way. Even though SignoraCare has been a leader in the market and market research has shown that users have considered it to be the most trouble free kitchen machine available in today's market. Although the design and patent were originally imported, they at their works in India have done their own Research And Development since more than 33 years. SignoraCare costs only a little more than a conventional mixer, manufactured by a company with 33 years of research and experience in this line, It compares favourably with any Kitchen Machine of International standard. It can be used continuously for hours continuously at normal load and there will be no strain on the motor. In 2005 SIGNORA Group of Companies launched a new Brand in the name of "SignoraCare" to import and outsource the best quality products to your satisfaction and to give their customers complete range of home appliances products. This new range of Appliances like Food Processor, Juicer, Mixer- Grinders, Microwave Oven, Hand Blenders, Steam Irons, Sandwich Toasters, Heat Pillars, Electric Kettles, Ceiling Fans, Induction Cookers, Vacuum Cleaners, Water Dispensers, Ice Crushers, Gas Water Heater, R.O. Systems, Electric Chimneys, L.P.G. Stoves, Automatic Gas Cooker (Hobs), Commercial R.O. Systems have given a mileage to the SIGNORA group of companies to prove out the Leader in Home Appliances. Signoracare Home Appliances Customer Care / Toll Free / Service Center Details:- Signoracare Customer Care Helpline / Toll Free No.:- 1800 3002 8098 Signoracare Customer Care Helpline Email ID:- info@signoracare.com To Find Your Nearest Signoracare Service Center Location Click Here

Lephone Customer Care / Service Center Contact Details

by Alex
Lephone Brand Dazen ,which is being launched for the first time in India, is being marketed& distributed by lephone Technology Private limited India. Lephone is a Multinational Mobile Company,originated from China in 2005 by Mr. Huang Mingquan. It is one of the leading mobile company in china, Over the past decade. Lephone has pioneered the democratisation of technology in china - by offering affordable innovations through their product offerings and removing barriers for large scale adoption of advanced technologies. Lephone is currently top ten largest Smartphone company in China. Lephone is a brand which is close to the heart of the youth, and celebrates the vibrancies of life and empowerment. With sales presence across china and global markets.Lephone has been registered in 120 countries successfully in all over the world .Lephone brand is popular in South Asia, Middle East, South America and China. The brand value worth more than 200 million USD according to the third party appraisal company Lephone Customer Care / Service Center Contact Details:- Lephone Customer Care Helpline No.:- 0120-4294823 Lephone Customer Care Helpline Email ID:- support@lephonemobile.com Lephone Sales Enquiry Email ID:- salesindia@lephonemobile.com