General Provident Fund is compulsory
for government employees All the temporary
government servants after a continuous service of one year, all
permanent government servants, and all re-employed pensioners (other
than those eligible for Contributory Provident Fund) are mandatorily
required to subscribe to the GPF. A
government employee only needs to contribute a certain percentage of
their salary to become a member of the General Provident Fund. GPF Advance is a facility offered to the account holder/employee wherein he or she can obtain loan against GPF throughout his or her career. The loan can be repaid in regular instalments. No interest rate is applied to the borrowed sum.
The amount of subscription for the GPF is fixed by the subscriber himself. General Provident Fund (GPF): A minimum of 6% of your basic pay is deducted as a contribution. The scheme provides a pension after retirement or for a nominee upon death of the employee. The maximum contribution is 100% of the employee's salary.
The amount of subscription for the GPF is fixed by the subscriber himself. General Provident Fund (GPF): A minimum of 6% of your basic pay is deducted as a contribution. The scheme provides a pension after retirement or for a nominee upon death of the employee. The maximum contribution is 100% of the employee's salary.
Subscription to GPF- may be increased twice and /or reduced once at any time during the year. 6.
Government has permitted GPF withdrawal
of up to twelve months pay or three-fourth (75 per cent) of the
outstanding money in the General Provident Fund, whichever is less. In
some cases such as for illness, the withdrawal may be allowed up to 90 per cent of the amount standing at credit of the subscriber.
Interest income is totally exempt from Income Tax. Amount outstanding to the credit is fully exempted from Wealth Tax also. Interest rates on GPF are revised according to government's notifications issued from time to time. GPF is offering 8 per cent interest in the quarter ending December
- How can I join GPF in Kerala?GPF New Admission Application (Through DDO)The application for Admission to GPF is available in the menu, Salary Matters→Provident Fund (PF) →GPF New Admission Application. Employee who hasn't started GPF account will be listed in the online application form. Employee can be selected based on Name or PEN.
- NominationsA subscriber shall, at the time of joining theFund, file a nomination inForm B set forth in the Schedule annexed to these rules, conferring on one or more persons the right to receive the amount that may stand to his credit in the Fund, in the event of his death before that amount has become payable, or having become payable, but not been paid. If the subscriber has a family at the time of filing the nomination, the nomination shall not be in favour of any person other than a member of his family.If a subscriber has no family, as defined in these rules, the nominee can be any person other than a member of his family .The nomination made by the subscriber who was not married at the time of filingnomination shall become invalid on getting married. If a subscriber nominates more than one person under Rule 5, he shall specify in the nomination the amount or share payable to each of the nominees in such manner as to coverthe whole of the amount that may stand to his credit in the Fund at any time.
- The subscriber has to select the GPF series name and enter GPF account number and his/her PIN number to obtain the annual statement. In case PIN number is not received by the subscriber, he/she needs to contact DDO (Drawing and Disbursing Officer)/Treasury/AG office.
- Government has permitted GPF withdrawal of up to twelve months pay or three-fourth (75 per cent) of the outstanding money in the General Provident Fund, whichever is less. In some cases such as for illness, the withdrawal may be allowed up to 90 per cent of the amount standing at credit of the subscriber
- GPF Annual Statements (Credit Card)
സംസ്ഥാന സര്‍ക്കാര്‍ ജീവനക്കാരുടെയും ഓള്‍ ഇന്ത്യ സര്‍വീസ് ഓഫീസര്‍മാരുടെയും ജി.പി.എഫ് വാര്‍ഷിക കണക്ക് വിവരം ഔദ്യോഗിക വെബ്‌സൈറ്റായ http://www.agker.cag.gov.in ല്‍ ഓരോ വര്‍ഷവും പ്രസിദ്ധീകരിക്കും. പിന്‍ നമ്പര്‍ ഉപയോഗിച്ച് കണക്ക് വിവരം അറിയാനാവും. വിശദവിവരങ്ങള്‍ക്ക് 0471-277660. സാധാരണഗതിയില്‍ പിന്‍ നമ്പര്‍ കണക്കാക്കുന്നതിന് 999999ല്‍ നിന്നും അക്കൗണ്ട് നമ്പര്‍ കുറക്കുമ്പോള്‍ കിട്ടുന്ന സംഖ്യ ആയിരിക്കും
- ജീവനക്കാര്‍ക്ക് GPF വിശദാംശങ്ങള്‍ പരിശോധിക്കാന്‍ സംവിധാനം
GPF ല്‍ അംഗത്വമുള്ള ഓരോ ജീവനക്കാര്‍ക്കും അവരുടെ അക്കൗണ്ട് വിശദാംശങ്ങള്‍ ഓണ്‍ലൈന്‍ മുഖേന പരിശോധിക്കാവുന്നതതാണ് https://www.ksemp.agker.cag.gov.in/Loginഎന്ന സൈറ്റില്‍ രജിസ്ററര്‍ ചെയ്താല്‍ ജീവനക്കാരുടെ അക്കൗണ്ട് വിശദാംശങ്ങളും മറ്റ് വിവരങ്ങളും ഇതില്‍ നിന്നും ലഭിക്കും. ജി പി എഫ് ലോണിന് നല്‍കുന്ന അപേക്ഷകള്‍ അക്കൗണ്ട് ജനറല്‍ അംഗീകരിച്ചതിന്റെ പകര്‍പ്പ് മുമ്പ് തപാല്‍ മുഖേന ലഭിച്ചിരുന്നത് ഇപ്പോള്‍ ഈ സൈറ്റില്‍ നിന്നും ഡൗണ്‍ലോഡ് ചെയ്തെടുക്കാവുന്നതാണ്