Cashing out your EPF or CIT balance in Nepal: the conditions to withdraw, the documents, the portals, and the 5% retirement tax that tops off a big lump sum.
Loan against your CIT or PF balance in Nepal: when it makes sense
EPF lends against your own balance near 5.75% and CIT from 5.25%, well below a bank personal loan. The eligibility, the caps, and when it's the smart move.
EPF to SSF: what changes the day your employer switches you over
Your basic stays, your bank deposit may dip, and your retirement math gets rewritten. A line-by-line look at what moves when your employer shifts PF to SSF.
CIT vs PF vs SSF: where to put your next रू 1,000 of retirement money in Nepal
PF and SSF your employer picks; CIT is the lever you control. How to decide whether your next Rs 1,000 of retirement money goes to CIT, PF/SSF, or elsewhere.
