WealthChecker

EPF New Rules 2026 — PF Withdrawal Kitna, Kab, Kaise? By WealthChecker Team  |  Retirement  |  9 min read Naukri badlo ya job chhodo, toh sabse pehla sawaal aata hai — "PF ka paisa kab milega, aur kitna?" Pichle kuch mahinon mein is topic par kaafi kuch badla hai. Sarkar ne **EPF Scheme 2026** notify kiya hai, jo **29 June 2026** se lagu hai. Yeh 1952 ke purane rulebook ki jagah le raha hai. Ek line mein: EPF Scheme 2026 ne PF withdrawal ke purane 13 alag-alag reasons ko 3 bade categories mein merge kar diya hai — essential needs, housing needs, aur special circumstances. Sabse Pehle — Interest Rate Kitna Hai? Central Board of Trustees (CBT) ne FY 2025-26 ke liye EPF interest rate **8.25% per annum** fix kiya hai — yeh lagatar teesra saal hai jab rate yahi hai. Iska matlab: jo paisa tumhare EPF account mein pada hai, woh har saal is rate se grow kar raha hai. Financial Year EPF Interest Rate 2025-26 8.25% 2024-25 8.25% 2023-24 8.25% Naya Rule: 25% Balance Hamesha L...

Salary Advance Apps — Zero Interest Ya Hidden 36% Trap? By WealthChecker Team  |  Credit & Loans  |  9 min read Mahine ke 25 tarikh. Salary 1st ko aani hai. Par abhi ek zaroori kharcha aa gaya — medical bill, ghar ka kiraya, ya bas EMI ki date nikal gayi. Phone kholo toh dikhta hai — "Apna hi salary 10 minute mein nikaalo!" Attractive lagta hai. Par har app same nahi hai — kuch genuinely free hain, kuch **36% tak annual interest** charge karte hain bina clearly bataye. 2026 Ka Important Fact: RBI ke official directory mein ab **1,067 registered digital lending apps** hain. Matlab market bahut bada ho gaya hai — aur isiliye sahi app choose karna pehle se zyada zaroori hai. 2 Bilkul Alag Products — Jo Log Confuse Karte Hain Feature Earned Wage Access (EWA) Traditional Salary Advance Loan Kya Hai Tumhara hi already-earned paisa jaldi milta hai Ek chhota loan hai, salary se repay hota hai Interest 0% — sirf chhota flat fee 10% se 36% annual tak Credit Score Par Asa...