Bengaluru’s Ramesh, a teacher at a government school in Ramanagar, downloaded his GPF annual statement in April 2026. Balance: ₹2,82,781. Interest rate: 7.1%. Contributions clearly listed month by month. He then applied for a partial GPF advance for his daughter’s marriage — ₹1,50,000 — online through agkar.cag.gov.in. Sanctioned within 20 days.
Karnataka GPF (General Provident Fund) — ಕರ್ನಾಟಕ ಸಾಮಾನ್ಯ ಭವಿಷ್ಯ ನಿಧಿ — mandatory retirement savings scheme for all Karnataka state government employees. Managed by the Office of the Principal Accountant General (A&E), Karnataka, Bengaluru. Interest rate: 7.1% per annum (2026).
💡 ತ್ವರಿತ ಉತ್ತರ (Quick Answer): Annual Statement: agkar.cag.gov.in → Employees Corner → GPF Monthly Balance Sheet: agopublickar.cag.gov.in/gpf/Login → GPF Account No + Password Default Password: GPF Account Number + DOB (DDMMYYYY) Missing Credit: /gpf-missing-credit-fix/ → DDO se fix karwao Helpline: 080-22640295 | [email protected]
2 Portals — Kab Kaunsa Use Karein?
Sabse common confusion — 2 portals hain:
| Portal | URL | Kab Use Karein |
|---|---|---|
| AG Karnataka (Old) | agkar.cag.gov.in | Annual PDF statement download, Withdrawal form, Nomination |
| AG Karnataka (New) | agopublickar.cag.gov.in/gpf/Login | Monthly balance sheet, Real-time balance check, Regular login |
Daily use: agopublickar.cag.gov.in → real-time balance। Annual statement PDF + Forms: agkar.cag.gov.in।
Karnataka GPF Series Codes — Complete Table
Login screen par “Series” field mein department code enter karna hota hai — yahan galti hoti hai:
| Series Code | Department |
|---|---|
| PW | Public Works Department |
| RV | Revenue Department |
| ED | Education (Secondary) |
| PE | Primary Education |
| SW | Social Welfare |
| AG | Agriculture |
| PH | Public Health |
| HO | Horticulture |
| FO | Forest Department |
| PR | Panchayat Raj |
| TR | Treasury/Finance |
| PO | Police |
| FI | Fire Department |
| LR | Labour Department |
Series code nahi pata? Apni salary slip dekhen — GPF Account Number mein prefix hi series code hai। Example: PW-62551 → Series = PW।
New Portal Login — agopublickar.cag.gov.in
Step 1: agopublickar.cag.gov.in/gpf/Login open karein
Step 2: GPF Account Number enter karein (Series + Number, e.g., PW-62551)
Step 3: Password enter karein
Step 4: Captcha solve karein → “Login →” click karein
Step 5: Dashboard → Monthly balance, contributions, withdrawals sab dikhenge
Default Password — Exact Formula
First time login ya password forgot?
Default Password = GPF Account Number + Date of Birth (DDMMYYYY)
| GPF Account | Date of Birth | Default Password |
|---|---|---|
| PW-62551 | 14 Feb 1985 | PW6255114021985 |
| RV-12345 | 01 Jan 1990 | RV1234501011990 |
| ED-98765 | 25 Dec 1988 | ED9876525121988 |
Format exactly: Account Number (no dash) + DDMMYYYY (no slashes)। Login ke baad turant password change karein।
Forgot Password (Reset): agopublickar.cag.gov.in/gpf/Login → “Forgot Password” → GPF Account Number + registered mobile/email → OTP → Reset
New User Register: agopublickar.cag.gov.in/gpf/Login → “New User Register” → Department-issued GPF details → Register
Annual GPF Statement Download
Step 1: agkar.cag.gov.in open karein
Step 2: Homepage → “Employees Corner” section
Step 3: “GPF” click karein
Step 4: GPF Account Number + PIN/Password enter karein
Step 5: Financial Year select karein (2024-25, 2025-26)
Step 6: “Generate GPF Slip” → PDF download
Statement mein kya hota hai:
| Column | Meaning |
|---|---|
| Opening Balance | Year ki shuruaat ka balance |
| Monthly Subscriptions | Har mahine ki katoti |
| Interest | 7.1% per annum credited |
| Withdrawals/Advances | Nikala hua paisa |
| Closing Balance | Year ke end ka balance |
Statement mein missing month? → /gpf-missing-credit-fix/ page dekhen।
Monthly Balance Sheet — Real-time Check
agopublickar.cag.gov.in par monthly updated data milta hai:
Login → Dashboard → “Balance Sheet” → Month select → View
Balance Sheet mein:
- Month-wise contributions
- Interest credited
- Loan/advance deductions
- Running balance
GPF Withdrawal — Retirement Se Pehle Partial Advance
GPF se retirement se pehle partial withdrawal possible hai:
Allowed purposes:
- ✅ Children ki higher education
- ✅ Children ki shadi
- ✅ Medical treatment (self/family)
- ✅ House purchase/construction/repair
- ✅ Consumer durables (limited)
Online Apply:
Step 1: agkar.cag.gov.in → “GPF Withdrawal” ya “Final Withdrawal Forms”
Step 2: Form download karein → Fill karein → DDO se countersign karwayein
Step 3: AG Office submit karein (online ya offline)
Step 4: AG Office 20 din mein sanction karta hai (charter commitment)
Amount limit:
- Non-refundable advance: 12 months’ subscription ya accumulated balance ka 75% — whichever is less
- Refundable advance: Different limits by purpose
GPF Nomination — Online Update
Nominee outdated hai ya update karna hai:
Step 1: agkar.cag.gov.in → “Nomination” section
Step 2: Form 2 (Nomination form) download karein
Step 3: Details fill karein — nominee ka naam, relationship, percentage share
Step 4: DDO se attest karwayein
Step 5: AG Office submit karein
Nominee update karna zyada important hai — retirement ya death ke baad nominee ko paisa milta hai।
GPF Interest 2026
| Period | Interest Rate |
|---|---|
| 2023-24 | 7.1% |
| 2024-25 | 7.1% |
| 2025-26 | 7.1% |
Interest annually credited — statement mein “Interest” column mein dikhega।
Common Errors + Fix
“Series Code galat” / Login failed: GPF account number ka prefix = series code। PW-62551 → Series = PW। Salary slip se confirm karein।
“Portal nahi khul raha”: Subah 8-9 AM ya raat 9 PM ke baad try karein। Chrome browser। Cache clear: Ctrl+Shift+Delete।
“Statement mein month missing”: Missing Credit problem → /gpf-missing-credit-fix/ → DDO se certified GPF Schedule lein → AG Office submit karein।
“Balance wrong dikh raha hai”: agopublickar real-time data dikhata hai। Annual statement agkar.cag.gov.in se download karein — accurate hoga।
“Withdrawal sanction nahi hua”: Helpline: 080-22640295 | [email protected]
FAQ
Karnataka GPF statement kaise download karein? (ಕರ್ನಾಟಕ ಜಿಪಿಎಫ್ ಸ್ಟೇಟ್ಮೆಂಟ್ ಹೇಗೆ ಡೌನ್ಲೋಡ್ ಮಾಡುವುದು?) agkar.cag.gov.in → Employees Corner → GPF → Account Number + PIN → Financial Year → Generate Slip → PDF download।
Default password kya hota hai? GPF Account Number + DOB (DDMMYYYY). Example: PW6255114021985। Login ke baad change karein।
Series code kahan se milega? GPF Account Number mein prefix = series code। PW-62551 → Series = PW। Ya salary slip se confirm karein।
GPF withdrawal kaise apply karein? agkar.cag.gov.in → GPF Withdrawal → Form download → DDO countersign → AG Office। 20 din mein sanction।
Statement mein missing credit hai — kya karein? /gpf-missing-credit-fix/ page dekhen। DDO se certified GPF Schedule lein → AG Office submit karein → 3 mahine ke andar।
Helpline: 080-22640295 | [email protected]
Official Links
| Purpose | Link |
|---|---|
| AG Karnataka (New Portal) | agopublickar.cag.gov.in/gpf/Login |
| AG Karnataka (Annual Statement) | agkar.cag.gov.in |
| Withdrawal/Nomination Forms | agkar.cag.gov.in → Forms |
| Missing Credit Fix | /gpf-missing-credit-fix/ |
| [email protected] | |
| Helpline | 080-22640295 |
Ramesh’s daughter’s marriage GPF advance — ₹1,50,000 — sanctioned in 18 days.
Karnataka government employee hain — agopublickar.cag.gov.in par login karein। ಜಿಪಿಎಫ್ ಸ್ಟೇಟ್ಮೆಂಟ್ ಡೌನ್ಲೋಡ್ ಮಾಡಿ।
👉 agopublickar.cag.gov.in/gpf/Login
Related Articles:
Information based on agkar.cag.gov.in, agopublickar.cag.gov.in official portals and Principal AG Karnataka.