Author: seema gupta

Around 4.03 million students in India pursue a B. Com degree in India after completion of schooling according to All India Survey of Higher Education (AISHE) published by the Human Resource Development (HRD) ministry.

Obtaining a chartered accountant articleship after graduation is most popular among aspirants. Nonetheless, several other career options are available for such students, which ensures high earnings in the future.

List of career options after B.Com. can be listed as follows

  • Professor

Students having a knack for education and research can choose this profession. Students need to get a master’s degree as well as a PhD degree subsequently to become a professor. Such career options come with several benefits, such as increased number of holidays and flexible routine.

  • Law

After completing B. Com degree, students can enrol for LLB courses in major universities in India. Common-Law Admission Test (CLAT) has to be cleared by the student for this purpose.

It should be noted that students having a minimum 50% aggregate marks in graduation can apply for a law degree subsequently.

  • MBA

Obtaining an MBA degree increase the skill set of a student, thereby effectively increasing his/her employability. Students can pursue an MBA degree in various fields at their discretion, such as finance, marketing, human resources, etc.

A career in management accounting can also be pursued after obtaining an MBA degree.

The average median salary of individuals with an MBA degree is considerably higher as well, depending upon the skill set and university from which the degree is obtained.

  • Chartered accountant

Chartered accountancy degree is one of the most sought-after courses for B. Com students. This can be attributed to the linkage of the two courses, as well as high demand for CA articleship jobs in India.

Chartered accountants have varied duties in a business organisation. They are responsible for financial planning, tax calculations, internal audits, etc. ensuring smooth functioning of the finance department of a company.

Chartered accountant articleship poses as a 3 year practical training period allowing students to learn the method in which these financial calculations are performed. CA articleship importance and expectation is massive for every chartered accountancy student.

After successfully completing the training period through CA articleship and qualifying relevant exams, CAs can join a chartered accountancy firm or alternatively start their own business.

The latter is more preferable to most individuals as the average income is substantially higher.

To successfully launch a start-up CA firm, individuals can avail a loan for chartered accountants for the necessary funding. Such credits are more beneficial when compared to a standard business loan, as they are tailor-made to fulfil all needs of a CA business.

Most financial institutions such as Bajaj Finserv offer such loans catering to various kinds of needs of chartered accountants all around the country.

  • Cost accountant

Such a degree is similar to chartered accountancy but has different job roles. Cost accountants are responsible for determining the overall expenses incurred by a business for launching a new product in the market. Such professionals carefully analyse both internal and external factors before disclosing the final MRP of the product.

Extensive software is available to cost accountants to capture accurate market information successfully. They generally use one of the top 5 software packages in India for this purpose.

The business sector of India is witnessing exponential growth in recent years with numerous start-ups coming into existence. For maintenance of proper financial statements of such companies, chartered accountants are required.

Thus, individuals successfully completing CA articleship are in high demand in the Indian market. Job prospects of such individuals are not restricted to India, as they can gain employment in foreign countries as well.

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Most women don’t like winter because they dress like cabbage to avoid freezing. Since the beautiful half of mankind loves to be in the spotlight, dress up nicely and look feminine, and it is much more difficult to do in the cold, you can often show yourself the most favourite time of the year, in all its glory. However, the question “how to dress beautifully in winter?” is, as always, quite relevant.

Beautiful winter clothes

Of course, winter is not the best time for slim and short dresses. Summer dresses might allow you to show your real beauty but there is no requirement of summer dresses in winters. So, what clothes should we have in our winter clothes?

First, let’s decide on outerwear. Now there’s a wide range of warm and beautiful outerwear options – these are all kinds of jackets, fur coats, and sheepskin. Since jackets and sheepskin coats are more suitable for everyday wear and coats and fur coats with a matching wool scarf look more elegant, it is recommended that you have several options for outerwear as they can be worn for important events.

Remember only the essential accessories that are needed in winter – these are gloves, hats and scarves. Yes, without the accessories, you can’t appear as your fashion idol. Select the winter accessories according to the desired image in your mind.

For example, if you decide to wear a coat, the gloves may be with straps or bow leather. Instead of a hat, you can wear a beanie and decorate the neck with a nice wool scarf. At the online store of Scarves-shawls-bags.com, you can buy wholesale wool scarves with different designs and colours to match any winter dress.

How to add a Shawl in your winter dress in a stylish way?

Shawl wrap with belt

Before wearing a jacket or a coat, take a wool shawl and throw it around your neck as we do regularly. After throwing the shawls around your neck, you have to tie a slim belt around your waist and remember to tie the belt over the free corners of the shawls hanging though your neck.

Thereafter, wear your jacket or coat and adjust the shawl in the way that it covers the collars. Now, wear a hat or a beanie to match the dress. This trend is actually a very impressive way to make your clothes look extraordinary, plus, the shawl around your neck keeps you safe from the cold breeze.

If you have more ideas to play with the shawl in your own way to highlight yourself in the crowd, then you are not under bound of the choices. Yes, the designs and styles of the shawls are not limited at the online store of Scarves-shawls-bags.com.

Here, some of the best designer shawls are available which can allow you to give a fashionable touch in your clothing. Buy Shawls online in some of the best types such as Cashmere Shawls, Viscose Shawls, Printed Shawls, Jacquard Shawls, Pashmina Shawls, Silk Shawls, and Cotton Shawls with different colours and patterns will allow you to style your winters in your own way.

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The solar street light is the latest trending one and this is simple to launch and gives the maximum brightness. You can use this all in one solar street light even in the school, complexes, playgrounds and other places.

This is less costly and also provides a complete lighting solution. These kinds of lights are having a huge backup facility of two to three hours. This is the good one for the user not only during the summer season even on the rainy days you can use it. The light is completely waterproof and so it suitable to be used in all the climates. 

What is special in the solar street light?

The solar street light is the newest kind the streetlight that needs less maintenance. It is having less amount of charging time but works for a long time. This is completely durable and is eco-friendly in nature.

The light is having a remote sensor and the other interesting sensor. These kinds of advanced technology are helpful for giving the necessary brightness.

The PIR motion sensor that is attached in the solar light will increase the brightness of the light when motion is detected. This means that it saves huge energy when no one is around there. 

The light will have less charging time and also it can be recharged within seven to eight hours. It comes with a warranty period of up to five years. Therefore depending upon the power the price of the light varies.

This solar light comprises the PIR motions sensor, solar panel, led light and battery. This is free from the dust and the rust in it. It is simple to launch in the pole and also never needs any additional equipment. 

The dust particles will get stored when it is in the outside environment but it also gives the indication to the user that the panel is dusty. So the people can able to clan the panel immediately.

The battery does not need any maintenance and it will be charged automatically when the sunlight falls on the solar panel. Thus the solar energy is converted into the direct current and with the help of the inverter. It is then converted into the alternating current.

How effective is the integrated solar street light?

The combination of the solar panels, LED lights, battery, and the controller is called the integrated solar street light. This kind of street light is less costly and also it is a good one for getting necessary brightness.

It can be charged more quickly and also it works for long hours. In the night time, you no need to switch on the light it will start glowing automatically by sensing the darkness. It is simple to operate and also easy to install in the pole.

It never needs any other power supply only the solar energy is sufficient. The light comes for long hours and also it is a waterproof one. This is completely shockproof and also no need for the cable to be used.

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In recent times many people have started to make mutual fund investments. These kinds of investments are the good ones for them as they can able to get a huge amount of money. The mutual funds’ income tax exemption gives a major advantage for the people to get a huge profit for them. 

The investors no need to know all the details about the mutual funds and strategies. This is because the investment managers will help them to get high returns. The funds needed to make the payment initially both the open and the close-ended schemes. The risky funds will always provide a huge profit. 

Which is the best scheme for the investment?

The investment is always made only when the scheme provides a lot of tax-saving benefits. According to the 80c ELSS is the best scheme that provides big income tax benefits. The investments can be made in the growth option. 

Thus it collects the amount for mth multiple investors and creates a balanced portfolio. This is much helpful for all the investors in the group as they can able to get the amount without any problem. 

The equity links savings schemed is the most followed one by the customer as this gives a great profit without any income tax problem. But even in this type of scheme, you can get only a limited amount of the tax exemption. This is the scheme that comes in the lock-in period of the three years. 

This means that investors cannot able to withdraw their money before it. The redemption of the money is possible only at the net asset value price. The customers should have to fill the form in order to withdraw their money. 

What is special in the equity scheme?

This scheme is the best one for getting tax-saving features. The investors will get the three types of options such as the growth, dividend and also dividend reinvestment. All these kinds of options help investors in various ways. 

The growth option is the one-time withdrawal where the investors can able to withdraw only at the end of the scheme. This is much useful for them as they can able to get mutual funds income tax exemption. The dividend is the money that is provided by the bank that too only the huge profit is gained. 

This does not come with the tax. The last option for the investors is the reinvestment of the dividend money. This is the good one for business people as they can able to get a huge amount only when there is profit in the whole period of the mutual fund scheme. 

They can belt output the money in the sip scheme and so it will be beneficial for them in the future. The dividend does not consist of any lock-in period and so you can withdraw or invest whenever you want.

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Investors are getting smarter and prefer to invest in mutual fund schemes to earn more profit on their investment.

In India, there are many companies. Some of them are top performers:

  • Franklin Templeton Fund
  • Motilal Oswal Multicap
  • SBI Bluechip
  • ICICI Prudential Bluechip
  • L&T India Value
  • L&T Tax Advantage
  • ICICI Prudential Equity & Debt Fund
  • SBI Magnum MultiCap Fund
  • DSP Equity Opportunities Fund

There are many ways to apply for schemes. Most of the companies have recently introduced online application method. They have directly tied up with most of the major brokerage houses like ICICI to apply online for the schemes.

If you have an online share trading account, you can apply online for mutual funds. For these investments, they have a separate section. Go to the page and transfer funds from your bank account to the investment section of the online trading account.

You can then select the schemes in which you want to invest and choose the amount for which you want to invest. After deciding these details, you can apply online for mutual funds. For the current date, an online account will process your application and the units will be allocated to the prevailing NAV.

The fund will also be credited to your online account and you can redeem the scheme at any time on the trading website. You can also invest via mutual fund broking firms, mobile apps, etc.

You should do some primary homework -why you are investing, identify your financial goal, how much time you need, how much risk you must take, etc. 

However, you should do some necessary homework before arriving here. First, ask yourself why you are investing in mutual funds. It will help you identify your financial priorities.

First of all, you should find out how much time you need to achieve those goals. Second, you need to figure out how much risk you must take to achieve those goals.

Select your mutual fund schemes according to your financial goals

Debt mutual funds:  As soon as these basic facts are revealed, you will choose your mutual fund schemes. As a rule, debt mutual funds should be preferred to achieve short-term financial goals of less than three years.

You can also choose debt mutual fund schemes that match your investment horizon. For example, to park money for a few months, you should select an ultra-short-term plan.

Equity mutual fund schemes:  To achieve your long-term financial goals, you should consider investing in equity mutual fund schemes. The long term goal should be at least seven years away.

Equity is perfect for pursuing long-term goals because it has the potential to deliver higher returns over the long term than other asset classes.

Hybrid equity funds scheme: You can consider investing in conservative hybrid equity funds for the medium-term goals of three years. You might consider investing in an aggressive hybrid scheme for a five-year purpose.

Note: Always choose a plan with a consistent record of performance. Keep an eye on your investment, as well. You should review their performance at least once a year in relation to their category and benchmark.

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Owing to the ease of access, substantial loan amount and prolonged tenor, personal loans are turning into favourable finance options for many individuals.

The personal loan domain witnessed a growth of 20.4 % between 2017 and  2018. These collateral-free loans have no end-usage restriction, and the amount can be used for serving various personal and professional needs. 

Additionally, financial institutions and NBFCs offer Flexi personal loans to lower your EMIs and save you money. The Bajaj Finserv Flexi Loan is one such advance option that offers you with multiple benefits. 

What is a Flexi loan? 

Also known as Flexi personal loans, these are types of advances availed to meet your immediate financial requirement. Under this, a pre-determined credit limit is disbursed to your account, and you can make use of any amount as required throughout your loan tenor.

Interest is calculated for only the amount withdrawn and not on the total principal amount. As and when you repay the amount withdrawn, the application of interest will be stopped. 

Flexi loan vs personal loan- what is the difference? 

Personal loan –  Being a regular term loan, you are required to meet its eligibility criteria and documentation process after which you can apply. After your application is approved, the sanctioned loan amount will be transferred to your account directly.

Your EMIs starts after one month from the date of disbursal. Your EMIs has two components- principal amount and interest. The EMI amount will remain constant throughout your loan tenor. 

Flexi loan – You are required to meet its eligibility criteria and submit some specific documents to apply for a Flexi personal loan. You get a pre-determined or pre-approved limit that is transferred to your account.

You can withdraw any amount from your pre-set limit at any time from anywhere. Also, there are no restrictions on the number of withdrawals, and you can use your amount as and when required. 

You can opt to pay interest-only EMIs with your Flexi loan for the initial tenor. Your interest is calculated only on the amount utilised and not on the entire principal amount. 

You should know the difference between both the advances to know flexi personal loans vs term loans , which lower your EMIs. Let us understand the difference with an example. 

Example 1 – Personal loan 

Suppose your loan amount is Rs. 15 Lakh availed for a tenor of 48 months at an interest rate of 14%. The calculated EMI will be Rs. 48,750 (including principal and interest) throughout the tenor. The interest rate will be calculated on the principal amount irrespective of the amount you use. 

Also Read: Predatory loan: Know its characteristics and ways to get out of it

Example 2 – Bajaj Finserv Flexi Loan

Let us consider the amount of the above example, now suppose you use Rs. 5 Lakh out of the total amount. The interest rate that you are required to pay for 30 days is Rs. 5,833. To make the most out of your Flexi loan, you can repay your withdrawn amount (Rs. 5 Lakh) at the earliest to avoid accruing interest on it.  However, you can repay the withdrawn funds even at the end of the tenor. 

With Flexi Loan, Bajaj Finserv also brings you pre-approved offers to reduce the hassle of the application process. You can take a look at your pre-approved offer by sharing minimal details like your name and phone number. 

To avail, a Bajaj Finserv Flexi Loan your must be 23 to 55 years of age and should have a stable source of income. Besides, only a resident of India residing in any city where the lender operates is eligible to apply.  

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The online shopping jackets for ladies will be more helpful for save more from it and surely it will never be the optional one to anyone. Still, it gets the positive ratings and reviews in all the social media and it indicates that everyone likes to use it with more satisfaction.

Some people are thinking that it will be more costly but it is not like that you will get it at an affordable price with the best quality. 

Best quality at reasonable price 

You can also compare the worth of it with another one then only you will get the better offer for it and still there is no drawback is present on it. This will be the perfect one for all age people and there is no one can make it as the optional one at any time. Day by day it becomes the most wanted one because of its uniqueness. 

Likewise, there are so many benefits you will have from it and it will never disappoint the user at any time. It is better to buy it online because there only you will get a better offer for it. If you are buying it from the normal store it will be more costly and you will have a few collections only. 

Remarkable one for the cold protection 

That is the main reason everyone likes to choose online shopping. Most people are fell into sick in the winter season because of because they don’t have the capacity of tolerating the cold. That is the reason for everyone giving more importance to it.

The online shopping jackets for ladies will give the luxurious feel to them and there are so many collections are available and you can choose which one you want. 

Still, there is no one can underestimate the worth of it because it is the ultimate one forever. It was made of fine cloth so it will never allow the cold at any time.

So hereafter you no need to afraid of the cold-related diseases. Every doctor is recommending it for cold protection because they know which one id is suitable for all the people. 

Most recommended one forever 

It will be more helpful for maintaining the body temperature and once you realize the worth of it surely you will suggest it to everyone. These are all the benefits you will have from it so try to get it soon and suggest it to all of your friends and neighbours. Some people are use jackets for the long drive purpose for protecting themselves from the cold. 

Also Read: Enhancing the Delicate Beauty of Indian Girls with Designer Dupattas

Still, you are not started to buying it you are missing the great opportunity to utilize it. So try to get it soon and suggest it to all of your fri3ends and neighbours. Now you will have a clear idea about the benefits of utilizing it, so try to get it soon and please don’t miss it for anything.

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There are a lot of tools available on the Internet which you can use to increase the effectiveness of your website. There are many paid and free tools, and though online business doesn’t mind paying for the former, the latter stuff is always a subject of constant interest and introspection from the Internet users, because of very obvious reasons.

This piece has been put together detailing the 9 free tools that you can use to make your website more effective, which are as good as they are free.

These tools can comprehensively add to the effectiveness of your website in a lot of different parameters, and you should use them right away if you haven’t already.

Google Analytics – This is undoubtedly THE BEST free tool out there that you can use to add to the effectiveness of your website. It is also one of the most popular SEO tools which along with being the most popular also remains the most recommended.

It’s a very info-rich tool that makes it very easy to understand the attitudes, preferences, and habits of the visitors coming onto your website. Comprehensive statistics of how people are discovering, visiting and using their websites are available on the use of this tool which is simply a gift to marketers that continues to give.

There’s a lot of online business can do by studying the behavioural patterns, preferences, habits, attitudes and activity patterns of their visitors, so this undoubtedly the most precious free resource out there and is used by almost every search engine optimization company in India.

Embed Instagram Feeds – It has been a long time since Instagram first established as one of the best social media platforms to market business and grow their online presence, and the same has continued to date.

The only change is that the influence of Instagram in today’s day and age has grown manifold. Instagram is highly addictive for many and you can use the same to your advantage by embedding Instagram feeds on your website which will lure your visitors to spend more time on your website if and when they go through them.

The Instagram feed that you share your website will attract a lot of traffic to your Instagram account, which will help you in exponentially expanding your reach on social media.

If you embed Instagram feeds showing positive reviews about your products from your purchases in a user-generated form, it will do a world of good in enhancing your credibility.

It inspires the others through your feed and can serve as a psychological Call-To-Action from them to purchase due to the fear of FOMO (Fear of Missing Out).

CAPTCHA – An abbreviation of ‘Completely Automated Public Turing Test To Tell Computers and Humans Apart’, this tool is very true to its name does just that and is very effective at the same.

It does more for the website owners than the visitors but in the eventuality, it benefits both parties, as it keeps the website safe from all malicious attempts of intrusion. It is aimed at preventing or reducing the frequency of bot signups that happens sometimes.

Bot signups can be the reason for a lot of nuisance on your website, so it is imperative on your part to take all steps necessary to correct them. It gets the job done and keeps your website safe, adding to its effectiveness by increasing its safety and security.

The only downfall of using CAPTCHA is that sometimes it is very offputting to genuine users, who would have to go to a different website of a similar kind, then using a CAPTCHA to access the website that they are currently on. 

Lead form – It is considered futile by many to run an online business website that doesn’t have a lead form. True to its name, it generates leads for the business by providing the visitors to the site an avenue to contact you.

No matter what is the nature of your business or the scale of your operations, a lead form is integral. Over and above providing contact information, you should make it a point to include a lead form, without fail.

It is a proactive way of engaging with the visitors and you are likely to get a lot of inquiries which may later convert into sales. It’s stupid to ignore the multipurpose benefits of this free tool, which is integral in adding to the effectiveness of a website. 

Blogs – One of the most common ways for any website to become more effective, this free tool has been around for a very long time, going back to the very advent of the Internet.

The Internet has changed exponentially through the years, especially in manners of how we experience and use it, but blogs continue to be important.

It is still the most common way to consume content on the internet, and even though it is rapidly falling behind other multimedia means, it is still effective enough for many. 

Google Webmaster- A website owner can potentially get potentially multipurpose benefits after registering their website with Google Webmaster. It will serve as an assurance to yourself that your website is running and functioning healthily.

Along with the avenue to access extensive search statistics on Google, you can also find out keywords being targeted by you along with their efficacy. It is considered a very effective tool for tracking the growth of your traffic along with other relevant ranking metrics.

The stark different Google Analytics (which has already been elucidated upon) and Webmaster is that while Analytics reports different characteristics of the interactivity of the visitors with your website.

Google Webmaster, on the other hand, delivers info-rich reports detailing the interactivity of various search engines with your website. You can take assistance from a 360-degree digital marketing company to understand this tool better.

DMCA – DMCA is the short-form for the Digital Millenium Copyright Act, which is also the US Copyright Law. Protecting your website through DMCA has a lot of benefits that can help you save your content and intellectual property from being copied.

It is a very effective way to fight against plagiarism which has plagued internet communities and victimized content creators for a long time and continues to do so.

If not a full-proof plan to completely eradicate plagiarism from the Internet in its entirety, it is effective enough in providing enough checks and balances, to reduce the instances of plagiarism to a great extent.

If you manage to get a badge from DMCA on your website, DMCA will take down your original content from other websites, whenever you report the other site for plagiarism.

Whatsapp Business – Whatsapp was acquired by Facebook a long term after it’s an initiation for a whopping $19 billion, and since Whatsapp today has more than a billion daily active users, the investment has been worthwhile.

It’s a success that has been resounding which presents enough incentive for websites to sign up on the new offering from Whatsapp which is called Whatsapp Business. Being very true to it’s a simple name, it is an effortless way for website owners to stay in connection with their customers.

It provides a very effective messaging tool for the customers to connect with the business, helping both the sides by facilitating seamless interactivity.

Newsletters – This is a very effective free tool, a lot more effective than what it gets credit for! It allows you to open a one-on-one channel of communication with someone, who may be a prospect or a customer.

Once the visitor comes onto your website and signs up for the newsletter through your landing page, this line of communication which you can use to your benefit. 

You can use this free tool to engage the attention of your prospects even when they are not visiting your website. You can update them on the new products or services that you are launching and the other important events happening in your business. If done well enough, this is a good enough means to pique the interest of the prospects. 

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Vidmate free download will allow you to take any of the media content with no money. It does not matter that the app is harmful to use. You all set to use this app on your device to download any of the media content. 

What features make Vidmate best?

There are a lot more numbers of features are available in this application look at the more specific feature that let you install this app.

  • Unlimited contents:

When comes to the contents of this platform there are plenty actually you all set to pick anything on your choice. Be it is any category of media contents you are allowed to download and enjoy it in the way you want.

There is no constraint in chasing the contents on your choice. You are allowed to take anything on your choice because there are plenty of contents available.

  • Change resolution and formats:

If you have this app on your device helps you to download media contents in an easy way. You are allowed to download media content in the way you want.

You all set to take any of the media content the way you want. You are allowed to change the format as well with the help of this app. You no need to spend much of time just clicking on it will move the content the way you want.

  • Save videos:

If you come to the later watch feature there is no limitation and all. You all set to watch any of the media content once after you mark it for later watch.

No matter you are required to choose this app why because without an internet connection you are allowed to watch any of the media content. All you want to do is just saving the content for later use. 

  • Suggestions:

Once after you enter the media content name or keyword you will get so many numbers of suggestions. You all set to choose any of the media content based on your choice. You can pick any of the videos and movies on your choice. Its all based on the preference of the user. If you go with any of the content then it will show you suggestions based on that.

  • Live TV:

As mentioned before there are so many numbers of video downloading apps are available. If you come to this app then you are allowed to watch any of the TV show. You know you are not required to pay any money in order to watch Live TV.

You can easily able to stream any of the live contents includes music shows, live contents and many more. You can enjoy watching all sorts of contents.

  • Convert video into audio:

In this, you are enabled to convert videos into audio just by clicking on Mp3 format. No matter what once after clicking on this option you can able to convert video content into an audio content very easily. 

If you want this app then install 9apps 2018 this platform allows you to take any numbers of apps on your choice. 

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Investing funds can be tricky when you are just starting earning and investing. Building an investment portfolio is an important process one goes through in their working years. It is essential to figure out which investment instrument suits your income range and budget the best.

Sometimes it is smart to choose a short-term risky investment plan like mutual funds. In other situations, it is wise to invest some amount in a secure long-term investment plan like Bajaj Finance Fixed Deposits. 

A robust investment portfolio contains several investment instruments which serve different purposes of the investor. For the working professionals, Employees’ Provident Funds plays an essential role in their investment profile.

Since it is a crucial part of the investment profile, it is necessary to keep a record of all the activities related to your EPF account. You should know how your employers are contributing to your PF balance, your UAN number should be activated, and other details like your PF number. 

Know Your PF Number Online 

Here are a few steps to know your PF Number Online with the help of your organisation’s name. You can also find your PF number with the help of your UAN portal. 

Step 1: Login to your UAN Member Portal

To know your PF number online, you need to login to your UAN member account on the official EPFO portal. To login to your UAN member account, you will need your unique UAN ID which is a 12-digit number and your registered password with the portal. 

Step 2: Go to Your Profile 

Once you have logged in to your UAN member account, go to your profile. Your profile will have your details such as your name, address, your Aadhar details, PAN number, bank account details, and more. 

Step 3: Select Your Organisation

Your profile will also display all the organisations you have worked with and the organisations who have contributed to your PF balance. It is important to note that your UAN ID is a unique ID from the EPFO, but every organisation you work with will have a different PF number associated with them.

To know your PF number with the help of the organisation’s name, you need to click on that organisation’s name in your profile. This will display all the details associated with that organisation such as the organisation’s name, your designation, your salary details, the PF contributions made by the employer. You can find a detailed PF balance in your online passbook on the EPFO’s official website. 

Once you click the organisation’s name, you can find your PF number associated with that organisation. It gives you various other details, as mentioned above. 

All your PF account details are available on your UAN account. Your UAN account is a single account which has details of all your PF accounts. Finding your PF number using your UAN account is easy. Once you know your PF number, it is easier to check your PF balance online.

Ways to Check Your PF Balance

Below are some of the ways you can check your PF balance both online and offline. These are some of the simplest ways to check your PF balance.

UMANG App

Unified Mobile Application for New-Age Government is a mobile application which provides several government services. You can check your PF status by downloading this app and completing the one-time registration which is required for you to log in to your UAN account through the application. The app gives you a detailed passbook option where you can access all your PF related information. 

EPFO Website

Employees’ Provident Fund Organisation has an official website where you can check your PF balance online under the ‘For Employees’ services in the online services provided by the organisation. This makes it very easy to check your PF account details online. You can also claim your PF balance online through the official website of the Employees’ Provident Fund Organisation 

Missed Call and SMS services 

You can check your PF balance offline through the missed call and SMS service provided by the EPFO. You can avail these services with the phone number which is registered with your UAN account.

It is also mandatory for the employee to have their bank details, Aadhar Card, and PAN card linked with the account to avail these services. 

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