EPF Withdrawal Rules and Regulations Every Employee Should Know

Last updated :
September 27, 2023
/

minutes read

Table of Contents

Embark on a journey to financial freedom with this comprehensive guide to EPF withdrawals! Unlock the secrets of smart financial planning, discover insider tips, and avoid pitfalls while navigating the world of Employee Provident Fund. Get ready to master your EPF and secure your financial future, one step at a time!

A. Brief overview of Employee Provident Fund (EPF)

The Employee Provident Fund (EPF) is a government-backed, long-term savings scheme designed to help salaried employees in India save for their retirement.

Established under the Employees' Provident Funds and Miscellaneous Provisions Act, of 1952, the EPF is managed by the Employees' Provident Fund Organization (EPFO).

Under this scheme, both the employee and the employer contribute a fixed percentage (usually 12%) of the employee's basic salary and dearness allowance to the EPF account each month.

These contributions earn interest, which is determined by the government and revised annually. As of the financial year 2021-2022, the EPF interest rate is 8.5%.

EPF Benefits:

  • Tax deductions under Section 80C of the Income Tax Act
  • Interest earned is tax-free - Can be used as collateral for loans
  • Provides insurance coverage through the Employee Deposit Linked Insurance (EDLI) scheme

B. Importance of EPF for financial security and retirement planning

EPF is not just a savings scheme; it's a financial safety net for employees in India. Here's why it's essential for financial security and retirement planning:

Steady retirement income: EPF provides a lump-sum amount upon retirement, ensuring that you have a sizeable corpus to rely on during your golden years.

Compound interest advantage: The interest earned on EPF contributions is compounded, which means your money grows faster over time, providing you with a significant corpus by the time you retire.

Financial safety net during emergencies: EPF allows for partial withdrawals in specific situations such as medical emergencies, home loan repayment, or children's education, ensuring that you have access to funds when you need them the most.

Insurance coverage: The EDLI scheme, linked with EPF, provides life insurance coverage to the employees, ensuring financial security for their family in case of an untimely demise.

C. Purpose of understanding EPF withdrawal rules and regulations

It's crucial for employees to be aware of the EPF withdrawal rules and regulations to avoid any inconvenience or penalties during the withdrawal process. Understanding these rules will help you:

Make informed decisions: Knowing the rules and regulations will help you make better decisions regarding when and how much to withdraw from your EPF account.

Avoid penalties: Non-compliance with EPF withdrawal rules can result in penalties, including tax implications. Being aware of these rules will help you avoid such situations.

Maximize benefits: By understanding the rules, you can ensure that you're making the most of your EPF benefits, such as tax deductions and exemptions.

Plan for the future: Knowledge of EPF withdrawal rules will help you plan your finances better, ensuring a stress-free and comfortable retirement. With EPF being a vital component of every employee's financial planning, understanding the rules and regulations is essential to make the most of this long-term savings scheme.

II. Eligibility for EPF withdrawal

Understanding the eligibility criteria for EPF withdrawal is crucial to ensure a smooth process and avoid any complications. Let's explore the different scenarios and their eligibility requirements.

A. Active members and their contribution

An active member is an employee who is currently working and contributing to their EPF account. The eligibility criteria for EPF withdrawal for active members vary depending on the type of withdrawal - full or partial.

Full withdrawal: Active members can make a full withdrawal of their EPF corpus under the following circumstances: Retirement: Once the employee reaches the age of 58, they can withdraw the entire EPF amount. Unemployment: If the employee is unemployed for two consecutive months, they can withdraw the full amount.

Partial withdrawal: Active members are eligible for partial withdrawals in specific situations, such as: Marriage or education of self, siblings, or children Medical emergencies Home loan repayment Home renovation Each of these scenarios has specific eligibility conditions, such as the minimum years of service and the maximum withdrawal limit.

B. Inactive members and waiting period

An inactive member is an employee who has stopped contributing to their EPF account due to job loss, retirement, or any other reason. Inactive members can withdraw their EPF corpus under the following conditions:

Waiting period: In case of unemployment, an inactive member can withdraw their EPF corpus only after two months of continuous non-employment. However, if they join another job within two months, they are required to transfer their EPF account to the new employer.

Retirement: Inactive members can withdraw their EPF corpus upon reaching the age of 58, regardless of their employment status.

C. Exceptions for non-members

Non-members, such as employees of establishments with less than 20 employees or those earning more than INR 15,000 per month (as of 2021), are not covered under the EPF scheme.

However, they can voluntarily opt for EPF coverage by requesting their employer to contribute to the scheme on their behalf.

Once enrolled in the EPF scheme, the withdrawal rules and eligibility criteria for non-members are the same as those for regular members.

In conclusion, knowing the eligibility criteria for EPF withdrawal is crucial to ensure a hassle-free experience and make the most of your retirement savings. Stay informed and make informed decisions to secure your financial future.

III. Types of EPF withdrawal

EPF withdrawals are categorized into two main types - full withdrawal and partial withdrawal. Let's explore these in detail and understand when and how they can be availed.

A. Full withdrawal

Full withdrawal refers to the process of withdrawing the entire EPF corpus, including the employee's and employer's contributions along with the interest earned.

Retirement: When an employee reaches the age of 58, they are eligible for a full withdrawal of their EPF corpus. At this stage, the employee can withdraw the entire amount and use it to fund their post-retirement expenses or invest it in other instruments for a regular income.

Unemployment: If an employee becomes unemployed for two consecutive months, they can opt for a full withdrawal. However, it's essential to consider the tax implications and the impact on long-term savings before making this decision. If the employee finds a new job within two months, they should transfer their EPF account to the new employer instead of withdrawing the amount.

B. Partial withdrawal

Partial withdrawal allows employees to access a portion of their EPF savings in specific situations. Let's discuss these cases and their respective eligibility criteria:

Marriage/Education: An employee can withdraw up to 50% of their EPF contributions (employee's share with interest) for their own, siblings, or children's marriage or education. They must complete at least seven years of service, and this withdrawal can be made a maximum of three times during their service.

Medical emergencies: In case of hospitalization or medical treatment for self, spouse, children, or dependent parents, an employee can withdraw up to six times their monthly salary or the entire employee's share with interest, whichever is lower. There is no waiting period or minimum service requirement for medical emergencies.

Home loan repayment: Employees with at least 10 years of service can withdraw up to 90% of their EPF corpus (both employee and employer share with interest) to repay a home loan. The property must be registered in the employee's name, or spouse's name, or held jointly.

Home renovation: If an employee wants to renovate their house, they can withdraw up to 12 times their monthly salary after completing five years of service. The house should be registered in the employee's name, or spouse's name, or held jointly. This withdrawal can be made once during the entire service.

Other special cases: Employees can also withdraw from their EPF account in specific situations like purchasing land, constructing a house, or in case of permanent or total disability.

Each scenario has its own eligibility conditions and withdrawal limits. In conclusion, knowing the types of EPF withdrawals and their eligibility criteria will help you make the right decisions in various life situations. Remember, EPF is a long-term savings scheme, and it's best to withdraw only when absolutely necessary to secure your financial future.

IV. Process of EPF withdrawal

EPF withdrawals can be made through two methods - online and offline. Let's understand each method's step-by-step process, required documents, and turnaround time.

A. Online method

The online method is a hassle-free and convenient way to withdraw your EPF amount. Follow these simple steps:

Steps to follow on the EPFO portal:

a. Visit the EPFO's Unified Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).

b. Log in using your UAN (Universal Account Number) and password.

c. Click on the 'Online Services' tab and select 'Claim (Form-31, 19 & 10C)'.

d. Verify your KYC details, and enter the last four digits of your bank account number.

e. Click on 'Proceed for Online Claim' and choose the appropriate claim option (PF withdrawal, pension withdrawal, or partial withdrawal) based on your eligibility. f. Fill in the required details, and upload any supporting documents, if necessary.

g. Submit your claim and note down the claim reference number for future reference.

Required documents:

UAN (activated and linked with your Aadhaar and PAN)

Bank account details (linked with your UAN) Supporting documents for partial withdrawal, if applicable (e.g., medical bills, marriage invitation, etc.)

Turnaround time: After submitting your EPF withdrawal claim online, it usually takes 15-20 days for the EPFO to process and transfer the amount to your bank account.

B. Offline method

If you're unable to access the online portal or prefer the offline method, follow these steps:

Forms to be filled and submitted: Form 19 (For PF withdrawal) Form 10C (For pension withdrawal) Form 31 (For partial withdrawal) Download the appropriate form from the EPFO website (https://www.epfindia.gov.in/site_en/Downloads.php), fill in the required details, and submit it to your nearest EPFO office.

Required documents: A cancelled cheque with your name, account number, and IFSC code printed on it Copy of your Aadhaar card Copy of your PAN card (if the service period is less than five years)

Supporting documents for partial withdrawal, if applicable (e.g., medical bills, marriage invitation, etc.)

Turnaround time: The offline EPF withdrawal process typically takes 20-30 days from the date of submission. However, it may take longer depending on the workload at the EPFO office. In conclusion, the EPF withdrawal process is relatively simple and straightforward, whether you choose the online or offline method. Always keep your documents handy and follow the steps diligently to ensure a smooth experience.

V. Tax implications on EPF withdrawal

Before withdrawing your EPF amount, it's essential to understand the tax implications involved. Knowing the tax rules will help you make informed decisions and avoid any surprises during the withdrawal process.

Let's explore the tax aspects of EPF withdrawals.

A. Tax-free withdrawals

EPF withdrawals are tax-free under the following conditions:

Retirement: If you withdraw your EPF amount after reaching the age of 58, the entire withdrawal is tax-free.

Continuous service of five years or more: If you have completed at least five years of continuous service, the EPF withdrawal amount, including the interest earned, is exempt from tax.

Transfer of EPF balance: When you switch jobs and transfer your EPF account to the new employer, the transfer is not considered a withdrawal, and hence, there are no tax implications.

B. Taxable withdrawals

EPF withdrawals are taxable under the following conditions:

Service period less than five years: If you withdraw your EPF amount before completing five years of continuous service, the withdrawal becomes taxable. The employee's contribution to the EPF account is not taxable, but the interest earned on it is taxed under the head 'Income from other sources.' The employer's contribution and the interest earned on it are both taxable as 'Salary.'

Job loss due to health issues: In case of job loss due to health issues, EPF withdrawals before completing five years of service are exempt from tax.

C. TDS and Form 15G/15H

If your EPF withdrawal is taxable, the EPFO will deduct TDS (Tax Deducted at Source) at the rate of 10% on the taxable amount.

However, if you don't provide your PAN, the TDS rate increases to 30%.

In case your total income for the financial year is below the taxable limit, you can submit Form 15G (for individuals below 60 years) or Form 15H (for individuals aged 60 years and above) to the EPFO to request that no TDS be deducted on your EPF withdrawal.

In conclusion, understanding the tax implications of EPF withdrawals is crucial to make informed decisions and optimizing your tax liabilities. Be aware of the tax rules, plan your withdrawals accordingly, and consult a tax professional if needed to ensure you don't miss out on any tax benefits.

VII. EPF withdrawal during employment switch

Switching jobs can raise questions about your EPF account and the withdrawal process. Let's understand the EPF transfer process, withdrawal rules in case of job loss, and the impact on EPF interest and pension benefits.

A. EPF transfer process

When you switch jobs, it's recommended to transfer your EPF account instead of withdrawing the amount.

Transferring your EPF balance helps maintain continuity in your savings, which is crucial for long-term financial planning.

Here's how you can transfer your EPF account:

Inform your new employer about your existing UAN (Universal Account Number).

Your new employer will use the same UAN for your EPF contributions in the new organization.

Log in to the EPFO's Unified Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).

Click on the 'Online Services' tab and select 'One Member - One EPF Account (Transfer Request)'. Enter your previous employer's details and submit the transfer request.

Your new employer will verify the transfer request, and the EPFO will process the transfer. The transfer process usually takes 3-4 weeks to complete.

B. Withdrawal rules in case of job loss

In case of job loss, you can withdraw your EPF amount if you remain unemployed for two consecutive months. However, withdrawing your EPF balance during unemployment should be a last resort, as it might affect your long-term savings and tax benefits. If you find a new job within two months, it's best to transfer your EPF account to the new employer.

C. Impact on EPF interest and pension benefits

Transferring your EPF account when switching jobs has several advantages: Continuity in savings: Transferring your EPF account ensures that your retirement savings remain intact, helping you achieve your long-term financial goals.

Uninterrupted interest earnings: Your EPF account continues to earn interest even after switching jobs, as long as the account remains active. Withdrawing your EPF amount could mean losing out on the compounding interest advantage.

Pension benefits: If you're eligible for pension benefits under the Employees' Pension Scheme (EPS), transferring your EPF account helps maintain continuity in your pension contributions. Withdrawing your EPF amount could impact your pension benefits in the long run.

In conclusion, when switching jobs, it's crucial to understand the EPF transfer process, withdrawal rules in case of job loss, and the impact on EPF interest and pension benefits.

Transferring your EPF account instead of withdrawing the amount can help secure your financial future and ensure that you make the most of your hard-earned savings.

VIII. EPF withdrawal for International workers

International workers, including foreign nationals working in India and Indian employees working abroad, also contribute to the EPF. Let's discuss the role of Bilateral Social Security Agreements (SSAs) and the EPF withdrawal procedure for foreign nationals working in India.

A. Bilateral Social Security Agreements (SSAs)

Bilateral Social Security Agreements (SSAs) are international agreements signed between two countries to ensure the social security of their citizens working in each other's territories.

India has signed SSAs with several countries, including Belgium, Germany, Switzerland, France, Denmark, and more. These agreements help:

Avoid double contributions: SSAs prevent international workers from contributing to the social security schemes of both their home country and the country they work in, thereby avoiding double contributions.

Export of pension benefits: SSAs facilitate the export of pension benefits to the home country when an employee returns after working abroad.

Totalization of benefits: SSAs enable the totalization of benefits, i.e., combining the contribution periods in both countries to meet the eligibility requirements for pension benefits.

B. EPF withdrawal procedure for foreign nationals

Foreign nationals working in India may also withdraw their EPF amount when they cease to be employed in India. The withdrawal procedure for foreign nationals is similar to that for Indian employees, with a few additional requirements:

Online withdrawal: Foreign nationals can initiate the EPF withdrawal process through the EPFO's Unified Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/). They need to log in using their UAN (Universal Account Number) and password, follow the withdrawal steps, and select the appropriate claim option based on their eligibility.

Required documents: In addition to the standard documents required for EPF withdrawal, foreign nationals need to provide a copy of their passport, visa, and declaration that they have ceased to be employed in India.

Tax implications: Foreign nationals are subject to the same tax rules on EPF withdrawals as Indian employees. They may also need to consider any tax implications in their home country.

Transfer of EPF balance: If the foreign national's home country has an SSA with India, they may choose to transfer their EPF balance to their home country's social security scheme instead of withdrawing the amount. The process and eligibility for such transfers depend on the specific SSA provisions. In conclusion, international workers, including foreign nationals and Indian employees working abroad, need to be aware of the EPF withdrawal rules and the role of Bilateral Social Security Agreements (SSAs) to optimize their social security benefits. It's crucial to understand the withdrawal process, tax implications, and the benefits of SSAs to make informed decisions about managing your EPF account.

IX. Common mistakes and issues during EPF withdrawal

While withdrawing your EPF amount, it's essential to avoid common mistakes that could delay or complicate the process. Let's discuss some of these issues and how to tackle them.

A. Incorrect personal details

Errors in your personal details, such as name, date of birth, or bank account information, can cause discrepancies and delay your EPF withdrawal process. To avoid this issue: Ensure your personal details are accurate and up-to-date in your EPF account. Check your UAN card and the EPFO portal for any discrepancies. If you find any errors, contact your employer or the EPFO office to get them rectified.

B. Incomplete documentation

Submitting incomplete or incorrect documentation can lead to the rejection of your EPF withdrawal claim. To avoid this issue: Double-check the list of required documents before submitting your claim. Make sure all the documents are clear, legible, and in the specified format. Keep digital copies of your documents handy, especially if you're applying for an online withdrawal.

C. Delay in submission

Delaying the submission of your EPF withdrawal claim can lead to a longer processing time and may affect your financial planning. To avoid this issue: Be proactive in initiating the withdrawal process as soon as you're eligible. Keep all the necessary documents and information ready in advance. Regularly monitor the status of your EPF withdrawal claim on the EPFO portal and follow up with the concerned authorities if needed.

In conclusion, avoiding common mistakes and issues during the EPF withdrawal process can help you experience a smooth and hassle-free journey. Pay close attention to your personal details, documentation, and submission timelines, and don't hesitate to reach out to your employer or the EPFO office for any clarifications or assistance.

X. Conclusion

As we reach the end of our discussion on EPF withdrawal rules and regulations, let's recap the importance of adhering to these guidelines and share some tips for maximizing your EPF benefits for better financial planning.

A. Importance of adhering to EPF withdrawal rules and regulations

Following the EPF withdrawal rules and regulations is crucial for a seamless and hassle-free experience. Adhering to these guidelines will help you: Avoid penalties or tax liabilities. Ensure timely processing of your withdrawal claims. Preserve your retirement savings and maintain financial security.

B. Tips for maximizing EPF benefits and financial planning

To make the most of your EPF savings and plan for a secure financial future, consider these tips:

Timely contributions: Ensure that both you and your employer make timely and consistent contributions to your EPF account.

Transfers over withdrawals: When switching jobs, prioritize transferring your EPF account over withdrawing the funds to maintain continuity in your savings and avoid tax liabilities.

Partial withdrawals only when necessary: Consider partial withdrawals only in case of emergencies or critical financial needs. Remember, the more you save, the more interest you earn.

Monitor your EPF account: Regularly check your EPF account balance and transactions to stay informed about your savings and ensure accuracy in your account details.

Stay updated: Keep yourself informed about the latest EPF rules, regulations, and updates to make well-informed decisions about your retirement savings. By adhering to the EPF withdrawal rules and regulations and following these tips, you can maximize your EPF benefits and work towards a financially secure future. Remember, your EPF savings are a crucial aspect of your long-term financial planning, and it's essential to manage them wisely.

Appendix

To help you better understand and navigate the world of EPF, we have compiled a list of useful resources, links, and a glossary of common terms.

A. List of useful EPF resources and links

Employees' Provident Fund Organisation (EPFO) Official Website: Visit the EPFO's official website (https://www.epfindia.gov.in) for comprehensive information on EPF schemes, rules, and regulations.

EPFO Member Portal: Access your EPF account, check your balance, and apply for withdrawals or transfers through the Unified Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).

EPFO Mobile App: Download the EPFO's mobile app, "UMANG" (Unified Mobile Application for New-age Governance), available on Android and iOS platforms, to access EPF services on the go.

EPFO Helpdesk: Reach out to the EPFO Helpdesk (https://www.epfindia.gov.in/site_en/For_Employees.php?id=sm2_index) for any queries, grievances, or assistance related to your EPF account.

EPF Interest Rates: Stay updated on the current EPF interest rates by visiting the EPFO website's Interest Rate page (https://www.epfindia.gov.in/site_en/Interest_Rate.php).

B. Glossary of EPF terms and definitions

Employees' Provident Fund (EPF): A government-backed savings scheme for salaried employees in India, designed to provide financial security during retirement.

Employees' Provident Fund Organisation (EPFO): The government agency responsible for administering the EPF scheme in India.

Universal Account Number (UAN): A unique 12-digit number assigned to each EPF member, which remains the same throughout their employment history.

Bilateral Social Security Agreement (SSA): An international agreement between two countries to ensure the social security of their citizens working in each other's territories.

Form 15G/15H: Forms submitted by EPF members to request that no Tax Deducted at Source (TDS) be deducted on their EPF withdrawal if their total income for the financial year is below the taxable limit. With these resources, links, and a glossary of terms at your fingertips, you'll be better equipped to navigate the EPF landscape and make informed decisions about your retirement savings.

Remember, your EPF is an essential component of your long-term financial planning, so make sure to stay informed and proactive in managing your account.

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Tata Cliq Luxury
5
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6
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67
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6
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10
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4
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10
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Swiggy
10
% OFF
POPULAR_BRANDS,BEAUTY_AND_FASHION,VACATION,GIFTING,COFFEE_CRAVINGS,ROUTINE,TOP_BRANDS
Swiggy
10
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3
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Steam wallet
3
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5
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5
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Starbucks
5
% OFF
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Spencer
4
% OFF
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Speedo
10
% OFF
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Spar Hypermart
4
% OFF
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Spar Hypermart
4
% OFF
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SonyLiv
35
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SonyLiv 6 Months
35
% OFF
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SonyLiv 1 Month
35
% OFF
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SonyLiv 1 Year
35
% OFF
POPULAR_BRANDS,BEAUTY_AND_FASHION,VACATION,GIFTING,COFFEE_CRAVINGS,ROUTINE,TOP_BRANDS
SonyLiv
35
% OFF
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5
% OFF
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10
% OFF
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Skechers
10
% OFF
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5
% OFF
POPULAR_BRANDS,BEAUTY_AND_FASHION,VACATION,GIFTING,COFFEE_CRAVINGS,ROUTINE,TOP_BRANDS
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4
% OFF
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ShemarooMe Premium
10
% OFF
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SELECTED HOMME
10
% OFF
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12
% OFF
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Resonate
9
% OFF
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3
% OFF
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Reliance Trends
13
% OFF
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12
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10
% OFF
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Reliance Trends Footwear
2
% OFF
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Reliance Smart Point
3
% OFF
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Reliance Smart Bazaar
3
% OFF
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Reliance Smart
3
% OFF
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Swiggy One Lite
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Shuaib Azam
Shuaib is a Marketing & Growth lead at Hubble. When he isn't working on growth initiatives, Shuaib writes fiction and doodles space monkeys.

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