What is EPF (Employees’ Provident Fund)?
EPF is a long-term savings scheme run by the EPFO. Each month, you and your employer contribute a share of your basic salary, and the balance earns interest declared each year. For many people it is one of their largest savings, and one of the most overlooked.
What we offer
Guidance, documentation support, coordination and follow-up
EPF withdrawal
Guidance for partial or final withdrawals, including the forms and conditions that apply.
EPF transfer
Move PF from old employers into your current account, so nothing is left behind.
KYC and UAN updates
Help linking Aadhaar, PAN and bank details, and correcting mismatched records.
Claim follow-up
We track claim status and follow up with the concerned office until it is resolved.
How we help
Five simple steps
- Tell us the situation
- Check your records
- Organise documents
- Submit and coordinate
- Track until done
Tell us the situation
What you need, and what has already been done.
Check your records
UAN, KYC and service history reviewed together.
Organise the documents
Forms prepared and checked for completeness.
Submit and coordinate
Submission and follow-up with the concerned office.
Track until done
Status shared with you at every stage.
Who this is for
We can help if
Is this you?
- 1Changed jobs
- 2Need a withdrawal
- 3KYC mismatch
- 4Claim stuck
- 5Unsure of balance
How much could your EPF grow to?
An illustrative estimate
EPF Calculator
EPFEstimate how your EPF balance may grow until financial independence, based on your basic salary, contributions and the interest rate you assume.
Illustrative estimate based on the assumptions you enter. The employer share shown is the 3.67% that goes to EPF; the pension (EPS) portion is not included. Interest rates are declared each year and may change.
Frequently asked questions
Your questions, answered
1. Can I withdraw EPF before financial independence?
Partial withdrawals are allowed for specific purposes such as housing, education, marriage or medical needs, subject to EPFO rules and conditions.
2. What happens to my PF when I change jobs?
It can be transferred to your new employer’s account using your UAN, so your service and balance stay together.
3. Why was my EPF claim rejected?
Common reasons include KYC mismatches, incorrect bank details or incomplete forms. We help you find the reason and correct it.
4. Does Masego process or approve claims?
No. Claims are processed by the EPFO. We provide guidance, documentation support, coordination and follow-up.
5. Is EPF interest taxable?
Tax treatment depends on your contributions and service period. Please consult a qualified tax professional.
Still have questions?
Bring them to a short clarity conversation. Plain answers, no pitch.
Book a Clarity CallStuck with an EPF withdrawal or transfer?
Tell us where things stand. We will help you organise the documents and follow up until you know what happens next.
Masego provides guidance, documentation support, coordination and follow-up only. Claims and decisions remain with the EPFO.