I was working as a full-time employee till June 2024. Later i started Freelancing services and have not taken any full-time employment. I have a PF account along with UAN number. Now, i want to understand the below as i have purchased a new flat and the registration is completed. I will be moving in to the new flat in 1 month time. 

1. Can i still continue my PF account even though there is no PF amount being deposited?

2. In case i continue, will i get the PF interest rate, or will it be reduced?

3. In case i continue, during the time of withdrawal after say 5 years will this total amount be tax free or will i be taxed?

4. If i want to withdraw the complete amount in 1 WEEK, what will be the tax applicable and what % of the amount i can withdraw?

5. Is it advisable to keep the PF as it is or withdraw and repay a part of the home loan or use this and invest in SIP?

Thanks

Regards

Anand

Every year I file NIL Returns through ITR-1 and in this financial year 2025-26/AY2026-27, I received Gold Coin as Gift from my spouse and I sold it within two months in the same financial year 2025-26/AY2026-27.

1. Does the gold coin sale result in Capital Gains for me in financial year 2025-26/AY2026-27?  Or can I still continue to file NIL Returns?
2. If the gold coin sale results in Capital Gains, should I file using ITR-2 or can I file using ITR-1?
3. Will the gold coin sale be considered as Short-term Gains or Long-Term Gains?
4. If Short-term how will tax be calculated in my case?
5. If Long-term how will tax be calculated in my case?

The Dept.of Posts is now claiming "Benefits means the higher interest being paid on these schemes".

Post Office Small Savings Schemes are an investment instrument / financial product and public is investor.And in order to attract investment they declare higher rate of interest.

So how can the Dept. of Posts now consider the higher interest to be a BENEFIT when it is actually a return on investment?

Especially when no such communication has been made at the time of investment?

Check blog articles on My Advisers

Where have you been. Its been a long time. How are you?

Good to see relakhs is back again.

Regards,

Anuj

my query is now i will i get scheme certificate for combined service with employer 1 and employer 2 or i have to take two certificates to claim eps after attaining age of 58yrs.