New Delhi, Oct. 30 -- Every month, both employees and employers contribute to the Employees' Provident Fund (EPF), creating a retirement corpus for subscribers. The Employees' Provident Fund Organisation (EPFO) invests these contributions across various financial instruments, including debt and equity.

Despite these market-linked investments, EPFO declares an annual interest rate on EPF deposits, which is credited to subscribers' accounts.

But how does EPFO manage and invest your money, and how does it declare a fixed interest rate despite market fluctuations? Here's what experts have to say on this.

Vedant Gupte, Co-Founder and CEO of investment platform Trackk, said, "Once the money arrives, EPFO doesn't decide what to buy on its own...