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Employee Provident Fund (EPF)
Definition
A retirement benefit scheme available to salaried employees in India. Both the employee and the employer contribute a portion of the basic salary (usually 12%) to the fund.
The Arivo Context
Arivo views your EPF as a long-term, illiquid asset. When evaluating your emergency readiness, Arivo intentionally excludes your EPF balance, forcing you to build accessible cash reserves.