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INTRODUCTION The Employees provident fund was instituted by an Act of Parliament in 1952 for providing the social security benefits to the work force engaged in non-governmental sector. The Employees Provident Fund and Miscellaneous Provisions Act, 1952 and the Schemes framed there under have been structured as self applying and the employers of the establishments are responsible to report compliance of their own.

The three schemes framed are given below:-
Employees Provident Funds Scheme,1952
Employees Deposit-Linked Insurance Scheme,1976;and
Employees Pension Scheme, 1995. (earlier the Employees Family Pension Scheme, 1971)


Objective Of EPFO

Employees Provident Fund Scheme 1952 provides for contributory Provident Fund; Employees Pension Scheme 1995 which replaced the erstwhile Employees Family Pension Scheme, 1971 from 16.11.1995 provides for monthly pension; and Employees Deposit-Linked Insurance Scheme 1976 provides insurance cover to the worker in the unfortunate event of the death of the worker.

The primary objective of these three Schemes is to provide social security and to inculcate amongst the workers a spirit of saving while they are gainfully employed and to make provision for benefit after they retire from service and for their family members after their death. To the employers, they provide a steady labor force, which is essential for the productivity and prosperity of the establishment. To the Government, they provide funds of considerable magnitude for utilization on various projects and programmes designed to promote economic and social development of the country and well being of its people.
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Department of Providend Fund, Jharkhand Region.