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How to Optimize Your EPF Contributions for Maximum Benefits: Mega Guide 2023 Updated

Last updated :
March 10, 2024
/

minutes read

Table of Contents

Introduction

Brief overview of EPF (Employee Provident Fund)

The Employee Provident Fund (EPF) is a popular retirement savings scheme in India, designed to help salaried individuals accumulate a corpus for their golden years. The EPF enables both employees and employers to contribute a portion of their salary to the fund, which is managed by the Employees' Provident Fund Organisation (EPFO). The interest earned on the accumulated corpus is tax-free, making it an attractive long-term investment option.

Importance of EPF for young Indian employees and new graduates

For young professionals and new graduates entering the workforce, the EPF serves as a solid foundation for retirement planning. By starting early, they can take advantage of the power of compounding, which allows their savings to grow exponentially over time. Additionally, the EPF offers a sense of financial security, as it provides a regular income stream post-retirement.

Objectives of the guide

This comprehensive guide aims to help young Indian employees and new graduates understand the nuances of the EPF and optimize their contributions to maximize the benefits. Through practical examples, easy-to-understand explanations, and relevant data, this guide will equip readers with the knowledge needed to take charge of their financial future.

Chapter 1: Understanding EPF in India

Black board showing EPF written with chalk and some ash lying on it

1.1. What is EPF?

The Employee Provident Fund (EPF) is a government-backed savings scheme that encourages long-term financial planning for salaried individuals. Under the EPF, both employees and employers contribute a fixed percentage of the employee's salary (basic pay plus dearness allowance) towards the fund. The EPFO manages the fund and pays interest on the accumulated corpus.

1.2. EPF eligibility criteria

All employees working in establishments with 20 or more employees are required to be enrolled in the EPF. However, organizations with less than 20 employees can voluntarily opt for EPF coverage. It is important to note that the EPF applies to Indian citizens as well as international workers employed in India.

1.3. Components of EPF: Employee's contribution, Employer's contribution, and Pension

The EPF consists of three main components:

  1. Employee's contribution: The employee contributes 12% of their basic pay plus dearness allowance towards the EPF.
  2. Employer's contribution: The employer also contributes 12% of the employee's basic pay plus dearness allowance. However, out of this 12%, 8.33% goes towards the Employee Pension Scheme (EPS), subject to a maximum of Rs. 1,250, while the remaining 3.67% is added to the EPF.
  3. Pension: The EPS component of the employer's contribution ensures that employees receive a pension after their retirement.

1.4. Tax implications and exemptions

EPF investments enjoy a triple E (Exempt, Exempt, Exempt) tax status under Section 80C of the Income Tax Act. This means that the contributions made, interest earned, and withdrawals are all tax-free, subject to certain conditions. The annual contribution up to Rs. 1.5 lakh is eligible for tax deduction under Section 80C.

However, if the employee withdraws the EPF amount before completing five years of continuous service, the withdrawal amount becomes taxable. Additionally, the interest earned on the EPF balance after the cessation of employment is taxable.

1.5. Current interest rates and historical trends

The EPFO reviews the EPF interest rate every financial year. For the financial year 2020-2021, the interest rate was set at 8.5%. Over the past decade, the EPF interest rates have remained relatively stable, ranging from 8.1% to 8.8%. This stability, combined with the tax benefits, has made EPF a preferred choice for long-term retirement savings.

It is important to keep an eye on the interest rates as they may fluctuate in response to changes in the broader economic environment. However, historically, EPF interest rates have consistently outperformed inflation, making it an ideal investment for preserving the purchasing power of your savings.

While the EPF offers a safe and stable investment, it is crucial to diversify your portfolio to ensure an optimal mix of risk and returns. This guide will further explore strategies to maximize the benefits of your EPF contributions and help you make informed decisions about your financial future.

Chapter 2: Getting Started with EPF

2.1. How to register for EPF

In most cases, your employer will handle the EPF registration process on your behalf. When you join an organization that's registered under the EPFO, your employer will collect the necessary documents and submit them to the EPFO to create your EPF account. Once your account is created, you'll receive a unique 12-digit Universal Account Number (UAN) that remains constant throughout your career, regardless of job changes.

2.2. UAN (Universal Account Number) - The key to managing your EPF account

The UAN is a game-changer when it comes to managing your EPF account. With this number, you can access and manage all your EPF accounts, even if you switch jobs. The UAN simplifies the process of transferring EPF balances between accounts, ensuring that your EPF savings remain consolidated.

To activate your UAN, visit the EPFO Member e-Sewa portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/), click on "Activate UAN," and follow the instructions. Once activated, you can use your UAN to log in to the e-Sewa portal and access various services.

2.3. Linking Aadhaar, PAN, and bank account with UAN

It's crucial to link your Aadhaar, PAN, and bank account details with your UAN to ensure seamless management of your EPF account. This linking process is essential for availing various EPFO services, such as online withdrawals and transfers.

Here's how you can link your details with your UAN:

  1. Aadhaar: Log in to the EPFO Member e-Sewa portal using your UAN and password. Under the "Manage" tab, click on "KYC" and enter your Aadhaar number. Your employer will verify the details, and once approved, your Aadhaar will be linked to your UAN.
  2. PAN: Follow the same steps as Aadhaar linking, but select PAN instead. Make sure your name on the PAN matches the name in your EPF records.
  3. Bank account: In the same KYC section, select "Bank" and provide your bank account number, IFSC code, and other required details.

2.4. Monitoring EPF contributions and balance

Keeping track of your EPF contributions and account balance is essential to ensure accurate and timely deposits by your employer. To check your EPF balance, you can use any of the following methods:

  1. EPFO Member e-Sewa portal: Log in using your UAN and password, and click on "View" under the "Member Passbook" tab.
  2. EPFO mobile app: Download the "m-EPF" app from the Google Play Store or the Apple App Store. Log in with your UAN and password to access your passbook.
  3. SMS service: Send an SMS to 7738299899 with the message "EPFOHO UAN ENG." Replace "ENG" with your preferred language code (e.g., HIN for Hindi, MAR for Marathi, etc.). Ensure that your UAN is linked with your KYC details.

2.5. EPFO services: e-Sewa portal and mobile app

The EPFO offers numerous online services to help you manage your EPF account efficiently. Through the Member e-Sewa portal and the m-EPF mobile app, you can:

  1. Update your personal details and nomination
  2. Check your EPF balance and view passbook
  3. Transfer your EPF balance from one account to another
  4. File an online claim for EPF withdrawal
  5. Track the status of your claim requests
  6. Download your UAN card and passbook
  7. Access various forms and documents related to EPF

By leveraging these digital services, you can take control of your EPF account and manage it more effectively. Regular monitoring and updating of your EPF account will ensure that your contributions are accurately recorded, and any discrepancies are addressed promptly.

With a solid understanding of the basics of EPF and the tools to manage your account, you're now ready to explore strategies for optimizing your EPF contributions to maximize the benefits. The following chapters will delve into the various ways you can make the most of your EPF savings, plan for long-term growth, and secure your financial future.

Chapter 3: Maximizing Your EPF Contributions

A glass jar with money with the label 'EPF Contribution'

3.1. Voluntary Provident Fund (VPF) - Advantages and disadvantages

The Voluntary Provident Fund (VPF) is an extension of the EPF, allowing you to contribute more than the mandatory 12% of your basic pay and dearness allowance. The interest rate and tax benefits for VPF are the same as for EPF, making it an attractive option for those looking to save more for retirement.

Advantages:

  1. Higher savings: VPF allows you to save more towards your retirement, ensuring a larger corpus for your golden years.
  2. Tax benefits: VPF contributions are eligible for tax deductions under Section 80C, up to Rs. 1.5 lakh per annum.
  3. Compounded growth: Like the EPF, VPF investments benefit from the power of compounding, helping your savings grow faster.

Disadvantages:

  1. Reduced liquidity: VPF contributions have the same withdrawal restrictions as the EPF, which could limit your financial flexibility.
  2. Lower diversification: A higher allocation to VPF might lead to lower diversification in your investment portfolio, potentially affecting your overall risk-adjusted returns.

3.2. Increasing your EPF contribution percentage

To increase your EPF contribution beyond the mandatory 12%, you can opt for the VPF. Inform your employer about your decision to contribute a higher percentage of your salary to the EPF/VPF. Your employer will adjust your payroll deductions accordingly, enabling you to save more for your retirement.

3.3. Understanding the impact of salary structure on EPF contributions

Your EPF contributions are based on your basic pay and dearness allowance. Therefore, your salary structure plays a crucial role in determining your EPF savings. If your salary has a higher basic pay component, your EPF contributions will be larger. Conversely, a lower basic pay component will result in smaller EPF contributions.

You can discuss your salary structure with your employer and explore the possibility of restructuring it to maximize your EPF contributions while maintaining a balance between your current expenses and long-term savings goals.

3.4. Strategies to maximize employer's contribution

Under the EPF, the employer contributes 12% of your basic pay and dearness allowance, with 8.33% going towards the Employee Pension Scheme (EPS) and the remaining 3.67% to the EPF. While you cannot directly influence your employer's contribution, you can ensure that your basic pay and dearness allowance are accurately recorded and that your employer is making timely contributions to your EPF account.

3.5. EPF vs. other investment options: Comparing risk and returns

While the EPF is an attractive long-term investment, it's essential to diversify your portfolio by considering other investment options. Here's a comparison of the EPF with other popular investment avenues:

  1. Fixed deposits (FDs): FDs offer guaranteed returns but generally have lower interest rates compared to the EPF. Additionally, FD interest is taxable, making it less tax-efficient than the EPF.
  2. Public Provident Fund (PPF): PPF is a long-term savings scheme with similar tax benefits to the EPF. However, the interest rate is usually lower, and the lock-in period is 15 years, affecting liquidity.
  3. Equity-linked savings schemes (ELSS): ELSS are tax-saving mutual funds that invest in equities. They offer higher return potential but come with higher risk compared to the EPF.

To maximize your retirement savings, consider creating a diversified portfolio that balances risk and returns, combining the stability of the EPF with other investment options that cater to your financial goals and risk appetite. This approach will help you optimize your overall wealth creation while ensuring a robust financial safety net for your retirement years.

In conclusion, optimizing your EPF contributions involves understanding the intricacies of the EPF system, the impact of your salary structure, and the importance of diversification in your investment portfolio. By leveraging tools like the VPF and comparing the EPF with other investment options, you can tailor your savings strategy to maximize your retirement corpus and secure your financial future.

In the next chapters, we'll explore the process of withdrawing your EPF savings, transferring your EPF account when changing jobs, and leveraging the EPF's nomination feature to ensure that your hard-earned savings are passed on to your loved ones in the event of your demise. With a comprehensive understanding of the EPF system and practical strategies for maximizing your contributions, you'll be well-equipped to navigate your financial journey and achieve long-term financial success.

Chapter 4: Ensuring Long-Term Growth

image of telescope on a magnifying glass to signify long term goals

4.1. The power of compounding in EPF

One of the key advantages of the EPF is the power of compounding, which allows your savings to grow exponentially over time. Compounding occurs when the interest earned on your initial investment is reinvested, leading to interest being earned on both the principal amount and the accumulated interest. The longer you stay invested in the EPF, the more significant the compounding effect becomes, leading to substantial growth in your retirement corpus.

For example, if you invest Rs. 10,000 per month in the EPF at an interest rate of 8.5% for 30 years, your total contribution would be Rs. 36 lakh. However, thanks to the power of compounding, your final corpus would be a whopping Rs. 1.69 crore.

4.2. Regularly updating your personal details and nomination

To ensure the long-term growth of your EPF account, it's crucial to keep your personal details and nomination up-to-date. This includes updating your address, contact information, and changes in your family status. Regularly updating your nomination ensures that your EPF savings are passed on to your chosen beneficiaries in the event of your demise, providing financial security for your loved ones.

To update your personal details or nomination, log in to the EPFO Member e-Sewa portal and follow the instructions under the "Manage" tab.

4.3. Periodically reviewing your investment strategy

As you progress through different stages of your life, your financial goals, risk tolerance, and investment horizon may change. It's essential to periodically review your investment strategy and make adjustments as needed to ensure the long-term growth of your EPF savings. This may involve rebalancing your investment portfolio or increasing your EPF contributions through the VPF.

4.4. The role of equity exposure in EPF

A small portion of your EPF contributions is invested in equities through Exchange-Traded Funds (ETFs), which adds an element of growth potential to your EPF savings. While the majority of the EPF corpus is invested in debt instruments, the equity exposure helps to enhance returns without significantly increasing the risk profile.

It's essential to understand the role of equities in your EPF account and the potential impact on your overall returns. Although the EPF's equity exposure is limited, it can contribute to long-term growth, especially during periods of strong stock market performance.

4.5. Maintaining a diversified investment portfolio

While the EPF is a secure and stable investment option, relying solely on it for your retirement savings may not be the most effective strategy. To ensure long-term growth and manage risk, it's essential to maintain a diversified investment portfolio that includes a mix of asset classes such as equities, fixed income, and real estate.

By balancing your EPF investments with other asset classes, you can optimize your risk-adjusted returns and achieve a more stable and robust financial foundation for your retirement years. Diversification not only helps to manage risk but also enables you to take advantage of various investment opportunities as they arise, ensuring the long-term growth of your wealth.

Chapter 5: Withdrawals and Loans from EPF

Child withdrawing from from piggy bank

5.1. Types of EPF withdrawals

EPF members can withdraw their savings in specific circumstances, such as retirement, disability, or a medical emergency. There are two types of EPF withdrawals:

  1. Partial withdrawals: This allows you to withdraw a portion of your EPF savings while keeping the account active.
  2. Complete withdrawal: This involves withdrawing the entire EPF balance, typically after retirement.

5.2. Conditions and procedures for partial withdrawals

Partial withdrawals from the EPF account are permitted for specific purposes such as marriage, education, medical treatment, home loan repayment, or home renovation. The amount that can be withdrawn varies depending on the purpose of the withdrawal.

To initiate a partial withdrawal, the EPF member must fill in the appropriate form, provide the required documents, and submit the application to the relevant EPFO office.

5.3. EPF loans: Eligibility, process, and repayment

EPF members can also avail of loans against their EPF account. The loan amount is limited to a maximum of 50% of the member's total EPF contributions and is subject to certain eligibility criteria, such as the duration of EPF membership and the number of contributions made.

To apply for an EPF loan, the member must fill in the appropriate form, provide the required documents, and submit the application to the relevant EPFO office. The loan must be repaid within 36 months of the disbursement, with interest calculated at a rate of 10%.

5.4. Tax implications of EPF withdrawals

EPF withdrawals are subject to tax rules and regulations, and the amount of tax payable depends on the length of the EPF membership and the reasons for the withdrawal. In general, withdrawals made after five years of continuous EPF membership are tax-free, while withdrawals made before five years are subject to tax.

It's crucial to understand the tax implications of EPF withdrawals to avoid any penalties or legal issues. Consulting a tax expert or financial advisor can help you navigate the complexities of the tax code and ensure that you make informed decisions about your EPF withdrawals.

5.5. Strategies to minimize withdrawal-related penalties

Withdrawing EPF savings before retirement or the completion of five years of continuous membership may attract penalties and taxes. To minimize these penalties, it's important to plan your withdrawals carefully and consider alternative sources of funding for short-term needs.

One strategy is to avail of partial withdrawals only for specific purposes that are essential, such as medical emergencies or education expenses. By limiting your withdrawals to essential expenses, you can avoid unnecessary penalties and preserve your EPF savings for long-term growth.

Another strategy is to plan for emergencies by creating an emergency fund that can be used for unexpected expenses, avoiding the need for EPF withdrawals altogether.

In conclusion, understanding the types of EPF withdrawals, the eligibility criteria for EPF loans, and the tax implications of EPF withdrawals is crucial for managing your EPF account effectively. By adopting appropriate withdrawal strategies, you can minimize penalties and preserve your EPF savings for long-term growth and financial security.

Chapter 6: EPF and Retirement Planning

6.1. Calculating your retirement corpus

To plan for a comfortable retirement, it's essential to calculate the amount of money you will need to cover your expenses and maintain your lifestyle. Several factors influence your retirement corpus, including your current expenses, expected inflation, and life expectancy.

A useful rule of thumb is to target a retirement corpus that is 20-25 times your current annual expenses. For example, if your current annual expenses are Rs. 5 lakh, your target retirement corpus would be Rs. 1-1.25 crore.

6.2. Understanding the role of EPF in retirement planning

The EPF is an essential component of retirement planning for many Indians, providing a stable and reliable source of income during retirement. Your EPF balance, together with other retirement savings, will contribute to your retirement corpus, providing a steady stream of income in your golden years.

6.3. Pension scheme under EPF

The EPF also provides a pension scheme that offers additional financial security during retirement. The scheme is available to members who have completed ten years of service or attained the age of 58, providing a monthly pension based on the member's years of service and the average salary for the last 60 months.

6.4. Annuity plans and other post-retirement investment options

Apart from the EPF and the pension scheme, there are several other investment options that can help you build a robust retirement corpus. Annuity plans, for example, provide a guaranteed stream of income during retirement, while other investment options such as mutual funds, stocks, and real estate can offer higher growth potential.

It's essential to evaluate your investment options carefully and consider your financial goals, risk tolerance, and investment horizon. A well-diversified investment portfolio that balances risk and returns can help you achieve your long-term financial goals and ensure financial security during retirement.

6.5. Ensuring a smooth transition to retirement

Planning for retirement is not just about saving money; it's also about ensuring a smooth transition to retirement. As you approach retirement, it's important to consider factors such as healthcare expenses, insurance coverage, and estate planning.

Creating a retirement plan that addresses these factors can help you make a smooth transition to retirement and enjoy financial security during your golden years. Consulting a financial advisor or retirement planner can help you create a customized retirement plan that meets your unique needs and goals.

In conclusion, the EPF plays a vital role in retirement planning for many Indians, providing a stable and reliable source of income during retirement. By calculating your retirement corpus, understanding the role of EPF in retirement planning, and evaluating your investment options, you can build a robust retirement portfolio that ensures long-term financial security. A well-planned and executed retirement plan can help you make a smooth transition to retirement and enjoy a fulfilling and financially secure retirement.

Conclusion

In this guide, we explored the Employee Provident Fund (EPF) and its importance in the financial planning of young Indian employees and new graduates. We covered a range of topics, including understanding EPF in India, getting started with EPF, maximizing EPF contributions, ensuring long-term growth, withdrawals and loans from EPF, and EPF and retirement planning.

Recap of key points

  • The EPF is a crucial component of financial planning for young Indian employees and new graduates, providing a stable and reliable source of income during retirement.
  • To optimize your EPF contributions, you need to understand the intricacies of the EPF system, the impact of your salary structure, and the importance of diversification in your investment portfolio.
  • It's essential to regularly update your personal details and nomination, periodically review your investment strategy, and maintain a diversified investment portfolio to ensure long-term growth.
  • Understanding the tax implications of EPF withdrawals, planning for emergencies, and availing of partial withdrawals only for essential expenses can help minimize penalties and preserve your EPF savings for long-term growth.
  • Planning for retirement involves calculating your retirement corpus, understanding the role of EPF in retirement planning, evaluating your investment options, and ensuring a smooth transition to retirement.

The importance of long-term planning and discipline

Optimizing your EPF contributions and planning for retirement require long-term planning and discipline. By adopting a disciplined savings approach, regularly reviewing your investment strategy, and creating a comprehensive retirement plan, you can achieve long-term financial success and ensure a comfortable retirement.

Encouragement to take charge of your financial future

Finally, we encourage young Indian employees and new graduates to take charge of their financial future by leveraging the EPF and other investment options to achieve long-term financial security. By adopting a proactive and informed approach to financial planning, you can create a robust financial foundation that enables you to achieve your life goals and enjoy a fulfilling and prosperous future.

Appendix A: EPF-related forms and documents

The following are some of the EPF-related forms and documents that may be required during the EPF registration or withdrawal process:

Form/Document Description
Form-11 Declaration form for new employees joining an organization and registering for EPF
Form-2 Nomination form for the EPF account
Form-19 Application form for final EPF settlement
Form-31 Application form for partial withdrawal from the EPF account
Form-10C Application form for pension withdrawal benefit

Appendix B: Frequently Asked Questions (FAQs)

The following are some of the frequently asked questions (FAQs) about EPF:

Question Answer
What is the EPF? The EPF is a savings scheme that is mandatory for most Indian employees, providing a stable and reliable source of income during retirement.
How is EPF interest calculated? The EPF interest is calculated on a monthly basis and credited to the member's account annually. The current interest rate for EPF is 8.5%.
What is the role of the UAN in EPF? The UAN (Universal Account Number) is a unique identifier assigned to every EPF member, enabling them to manage their EPF account online and access various EPFO services.
Can I withdraw my EPF savings before retirement? Yes, EPF members can withdraw their savings in specific circumstances, such as a medical emergency, home loan repayment, or education expenses.
How is EPF taxed? EPF withdrawals made after five years of continuous membership are tax-free, while withdrawals made before five years are subject to tax.

Appendix C: Glossary of EPF terms

The following are some of the key terms used in the EPF system:

Term Definition
EPF Employee Provident Fund, a mandatory savings scheme for most Indian employees
UAN Universal Account Number, a unique identifier assigned to every EPF member
VPF Voluntary Provident Fund, an optional EPF contribution made by the employee
EPFO Employees' Provident Fund Organization, the statutory body that administers the EPF system
Pension scheme A scheme under EPF that provides a monthly pension to eligible members during retirement

Appendix D: List of useful resources and references

The following are some of the useful resources and references for EPF-related information:

Resource/Reference Description
EPFO website The official website of the Employees' Provident Fund Organization, providing information about the EPF system and EPFO services.
EPF Passbook The online portal to check EPF account balance and transaction details
EPF mobile app An app that allows EPF members to access their account details and EPFO services on their mobile devices.
EPF Act and Scheme The official documents outlining the EPF rules, regulations and scheme details
Tax rules and regulations The Indian government's tax code and regulations governing EPF withdrawals and contributions.

These resources and references can provide additional information and support to help you navigate the EPF system and make informed decisions about your financial planning.

Thank you for reading this guide, and we wish you all the best in your financial journey!

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Spar Hypermart
Spar Hypermart
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Kalyan Diamond
Kalyan Diamond
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Indian Terrain
Indian Terrain
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Gas
Gas
10
% OFF
IKEA B2B
IKEA B2B
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% OFF
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Nykaa Man
6
% OFF
EazyDiner
EazyDiner
10
% OFF
White Crow
White Crow
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% OFF
SonyLiv 6 Months
SonyLiv 6 Months
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VMart
VMart
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Wrangler
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Only
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Discovery+
Discovery+
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Apple Airpods
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Jockey
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Armani Exchange
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Unlimited
Unlimited
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Norton Antivirus Plus
Norton Antivirus Plus
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Blaupunkt
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Third Wave Coffee
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US Polo Assn
US Polo Assn
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Hyatt India
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ZEE5 3 Months
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Net Protector Pro 1 User
Net Protector Pro 1 User
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Giorgio Armani
Giorgio Armani
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Blackberrys
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Linen Club
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Spotify 1 Year
Spotify 1 Year
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Tumi
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Taneira
Taneira
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EA Sports FC Mobile
EA Sports FC Mobile
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Apple MacBook
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Home Center (Online)
Home Center (Online)
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Amazon Prime 3 months
Amazon Prime 3 months
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CultFit
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Freecultr
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Relaxo
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SpiceJet
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Docubay - deprecate
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The Collective
The Collective
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Appreciate Subscription
Appreciate Subscription
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Ferns N Petals
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Mainland China
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Tata Play HD
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Kate Spade
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Mothercare
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Himalaya
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Watcho Dish TV
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American Eagle - to be deleted
American Eagle - to be deleted
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Replay
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Bally
Bally
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Forever New
Forever New
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Birkenstock
Birkenstock
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Michael Kors
Michael Kors
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Urban Ladder
Urban Ladder
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Behrouz Biryani
Behrouz Biryani
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Speedo
Speedo
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PhonePe
PhonePe
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Planet Fashion
Planet Fashion
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Indian Gifts portal
Indian Gifts portal
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Cleartrip
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Ornaz
Ornaz
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Tata Cliq
Tata Cliq
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Paul Smith
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Borosil
Borosil
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Ray-Ban
Ray-Ban
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Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
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% OFF
iPhone 15 Pro
iPhone 15 Pro
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% OFF
Spencer
Spencer
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% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
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Lifestyle (Online)
Lifestyle (Online)
7
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Daily Objects
Daily Objects
10
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Reliance Trends
Reliance Trends
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Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
IKEA B2B
IKEA B2B
5
% OFF
Nykaa Man
Nykaa Man
6
% OFF
EazyDiner
EazyDiner
10
% OFF
White Crow
White Crow
10
% OFF
SonyLiv 6 Months
SonyLiv 6 Months
35
% OFF
VMart
VMart
5
% OFF
Wrangler
Wrangler
6
% OFF
Only
Only
8
% OFF
Discovery+
Discovery+
12
% OFF
Apple Airpods
Apple Airpods
2
% OFF
Skinn
Skinn
6
% OFF
Jockey
Jockey
10
% OFF
Armani Exchange
Armani Exchange
10
% OFF
Unlimited
Unlimited
6
% OFF
Norton Antivirus Plus
Norton Antivirus Plus
60
% OFF
Blaupunkt
Blaupunkt
8
% OFF
Mia
Mia
3
% OFF
Third Wave Coffee
Third Wave Coffee
8
% OFF
US Polo Assn
US Polo Assn
7
% OFF
Hyatt India
Hyatt India
10
% OFF
ZEE5 3 Months
ZEE5 3 Months
15
% OFF
Net Protector Pro 1 User
Net Protector Pro 1 User
70
% OFF
Giorgio Armani
Giorgio Armani
10
% OFF
PeeSafe
PeeSafe
15
% OFF
Blackberrys
Blackberrys
8
% OFF
Veridicus
Veridicus
12
% OFF
Simon Carter
Simon Carter
4
% OFF
Sigree
Sigree
8
% OFF
Linen Club
Linen Club
8
% OFF
Spotify 1 Year
Spotify 1 Year
5
% OFF
Tumi
Tumi
10
% OFF
Taneira
Taneira
6
% OFF
EA Sports FC Mobile
EA Sports FC Mobile
3
% OFF
Apple MacBook
Apple MacBook
2
% OFF
Home Center (Online)
Home Center (Online)
7
% OFF
Amazon Prime 3 months
Amazon Prime 3 months
13
% OFF
CultFit
CultFit
7
% OFF
Freecultr
Freecultr
15
% OFF
Relaxo
Relaxo
6
% OFF
Fabindia
Fabindia
6
% OFF
Polar bear
Polar bear
4
% OFF
SpiceJet
SpiceJet
2
% OFF
Docubay - deprecate
Docubay - deprecate
25
% OFF
The Collective
The Collective
2.5
% OFF
Appreciate Subscription
Appreciate Subscription
35
% OFF
Ferns N Petals
Ferns N Petals
10
% OFF
Mainland China
Mainland China
8
% OFF
YouMee-deleted
YouMee-deleted
2.5
% OFF
Helios
Helios
8
% OFF
Tata Play HD
Tata Play HD
12
% OFF
Villeroy & Boch
Villeroy & Boch
10
% OFF
Kate Spade
Kate Spade
10
% OFF
Brooks Brothers
Brooks Brothers
10
% OFF
Mothercare
Mothercare
10
% OFF
Himalaya
Himalaya
5
% OFF
Watcho Dish TV
Watcho Dish TV
2.5
% OFF
American Eagle - to be deleted
American Eagle - to be deleted
2
% OFF
Replay
Replay
10
% OFF
Bally
Bally
10
% OFF
Forever New
Forever New
7
% OFF
Birkenstock
Birkenstock
8.5
% OFF
Michael Kors
Michael Kors
10
% OFF
Urban Ladder
Urban Ladder
8
% OFF
Behrouz Biryani
Behrouz Biryani
8
% OFF
Speedo
Speedo
10
% OFF
PhonePe
PhonePe
2.5
% OFF
Planet Fashion
Planet Fashion
2.5
% OFF
Indian Gifts portal
Indian Gifts portal
16
% OFF
Cleartrip
Cleartrip
5
% OFF
Ornaz
Ornaz
10
% OFF
Tata Cliq
Tata Cliq
6
% OFF
Microsoft 365 Personal
Microsoft 365 Personal
20
% OFF
Jimmy Choo
Jimmy Choo
10
% OFF
Hush Puppies
Hush Puppies
8
% OFF
Avast AVG
Avast AVG
2.5
% OFF
DeVagabond
DeVagabond
10
% OFF
Paul Smith
Paul Smith
10
% OFF
Unipin E-Gift
Unipin E-Gift
3
% OFF
Borosil
Borosil
7
% OFF
Ray-Ban
Ray-Ban
8
% OFF
Cafe Delhi Heights
Cafe Delhi Heights
8
% OFF
Trends Women
Trends Women
12
% OFF
Blissclub
Blissclub
9
% OFF
Apple iPhone 14
Apple iPhone 14
2
% OFF
Netmeds
Netmeds
8
% OFF
iPhone 15 Pro
iPhone 15 Pro
2
% OFF
Spencer
Spencer
3
% OFF
Imagine Apple Premium_Delete
Imagine Apple Premium_Delete
2
% OFF
BB Now
BB Now
3
% OFF
Titan Eye+
Titan Eye+
9
% OFF
Lifestyle (Online)
Lifestyle (Online)
7
% OFF
Daily Objects
Daily Objects
10
% OFF
Reliance Trends
Reliance Trends
12
% OFF
Swiggy Inhouse Only
Swiggy Inhouse Only
4
% OFF
Bata
Bata
7
% OFF
Flying Machine
Flying Machine
7
% OFF
Spar Hypermart
Spar Hypermart
4.5
% OFF
Kalyan Diamond
Kalyan Diamond
5
% OFF
Indian Terrain
Indian Terrain
10
% OFF
Gas
Gas
10
% OFF
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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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