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Shahid Amin Bhat (ITM University Gwalior); Somen Mitra (ITM University Gwalior); Sunil Kumar (ITM University Gwalior)
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6 pages
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Recently when the trusted Employees' Provident Fund Organization (EPFO) raised the EPF contribution limit to INR15,000, which was earlier capped at INR6,500, it brought smiles on the faces of five crore plus EPF subscribers, with each one hoping for a better accumulation for retirement. Truly this has enabled more employees to be under the ambit of EPF & EPS. But the contrasting reality is that India’s ever increasing middle class is not expected to benefit much from this. In fact they may fall short of their required funds at retirement, if they solely bank on this. The major dampeners are the inadequate investment norms, rigid regulations of the EPFO, inflation rate, rising life expectancy and an asset-liability mismatch etc. This phenomenon is of paramount importance in a country like India, which is significantly different from the developed nations of west in terms of social security. This case let will expose readers to develop an understanding of EPF, EPS and EPFO, the challenges associated with getting expected retirement fund and internal challenges of the EPFO itself.


Employees' Provident Fund; Retirement planning; Life expectancy

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