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Provident Fund
1) GPF (General Provident Fund), 2) CPF (Contributory Provident Fund), 3) EPF (Employees Provident Fund).
GPF interest at the rate of 8.8% (eight point eight per cent) per annum. This rate will be in force during the financial year beginning on 1st April, 2012.
Procedure for refund of money Deposited to GPF Account or Suspense Head of Account in respect of the Officers of All India Services covered under New Pension Scheme.
Provided that when the amount of subscription is so enhanced/reduced, it shall be within the limit of minimum 6% and maximum 100% of the emolument of the subscriber.
As the rate of interest is not uniform throughout the financial year, a new P.F. Account calculator has been created which will perfectly calculate the interest and generate the Account slip.
GPF, CPF, CPFE shall carry interest at the rate of 8% (eight per cent) for the period from 1.4.2011 to 30.11.2011 and 8.6% (eight point six per cent) w.e.f. 01.12.2011.
Sanctioning Authority will sent the attested amount mentioning subscriptions, recoveries and withdrawals during the period uncovered in the A.G’s statement along with the sanctioning order to the Drawing and Disbursing Officer.
All the Heads of Offices will have to send a list of subscribers who are going to retire in the next twelve months to the Office of the Accountant General (A&E), West Bengal.
Irregular sanction of 90% withdrawals of G.P.F. balances are being accorded by the different heads of office under the State Govt. resulting in negative balances of the G.P.F. accounts.
The number of court cases filed by the G.P.F account holders against non-settlement of G.P.F. money is increasing day by day as the claim application for final payment of G.P.F. money are not submitted timely.
The family must lodge a report with the concerned Police Station and obtain a report that the employee has not been traced after all efforts had been made.
After completion of 1 year continuous service by an employee, joining in GPF Scheme is compulsory. Also nomination is mandatory. Minimum subscription is 6%, maximum is upto full pay.