What you get
Provident Fund Accumulation: Members receive credit for their own contribution of 12% of wages and an equal 12% contribution from the employer. | Interest: The accumulated deposits earn interest at a rate declared by the Board every year. | Final Settlement: The total credit balance with interest is paid to the member or nominee upon retirement, resignation, death, or invalidity. | Refundable Advances: Members can avail advances up to 25% of the balance or nine months' pay (whichever is less) for marriage, death ceremonies, medical treatment, or children's higher education. | Housing Advance: A non-refundable advance is available for constructing or purchasing a dwelling house, equal to 24 months' wage, total contribution, or housing cost, whichever is less. | Hardship Relief: A non-refundable advance is granted in cases of hardship due to natural calamities or the closure of a plantation.
Who can apply
Required Paperwork
- Aadhaar Card
- PAN Card
- Income Certificate
- Residence Proof (Domicile)
Common Questions
As a daily wage worker in a tea garden, when do I become eligible to join the Provident Fund scheme?
You are eligible to become a member of the scheme and entitled to benefits from the very first day of your work.
What is the maximum monthly salary limit for an employee to be eligible for membership in this Provident Fund scheme?
Employees receiving a monthly salary of up to ₹6,500/- are eligible to become members of the scheme.
How much of my wages must be contributed to the Provident Fund, and does the employer also contribute?
You contribute 12% of your wages, and the employer matches this with an equal contribution of 12%.
Can I withdraw money from my Provident Fund account to pay for the construction or purchase of a house?
Yes, a non-refundable advance is granted equivalent to 24 months' wages, your total contribution, or the cost of the house, whichever is less.
What happens to the money I deposit into the Provident Fund account over the years of my employment?
Your deposits are credited with interest at a rate declared by the Board every year until you withdraw the amount.
Is it possible to get an advance from my Provident Fund balance for my children's higher education expenses?
Yes, you may be granted an advance of up to 25% of your credit balance or nine months' pay, whichever is less.
What financial support is available from the fund if I face hardship due to a natural calamity?
A non-refundable advance is granted to members facing hardship due to natural calamities or the closure of a plantation.
Am I allowed to take an advance from my Provident Fund for expenses related to a marriage or death ceremony?
Yes, you can avail an advance up to 25% of your balance or nine months' pay for such ceremonies.
How is the "wages" calculated for the purpose of the 12% deduction for the Provident Fund contribution?
Wages include dearness allowances, the value of food concessions, and amounts received for plucking tea leaves.
What information must I provide to ensure that my Provident Fund payments are credited directly to me?
You must furnish your Bank Account Number, Name of the Banker, and Branch with IFS code to your garden manager.
How will I receive the payment if my Provident Fund claim amount is more than ₹5,000/-?
Payments of ₹5,000/- and above are made directly to your individual Bank Account.
What happens to my Provident Fund balance if I resign or retire from my service at the tea garden?
In the event of retirement or resignation, the Board pays back the entire amount standing at your credit with interest.