Employee Provident Fund (EPF)-Changed rules from 1st Sept 2014

Recently Employee Provident Fund Organization (EPFO) changed a few rules related to EPF, EPS and EDLI. These changes will come into effect from 1st September 2014.

Note-We stopped readers comment for this particular post. If you have any doubts related to this post, you are free to raise the same at our BasuNivesh Forum. I will be happy to help you.

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Below is the graphical representation of how your EPF contribution along with employer contribution will distribute monthly.

EPF ChangesPlease note that Salary for this purpose means Basic along with DA.

Let us discuss the above four changes in detail.

  • 1) EPF is now mandatory for all those whose salary is less than Rs.15, 000Previously the limit was Rs.6, 500. However, this now rises to Rs.15, 000. Therefore, whoever falls below Rs.15, 000 of salary per month will have to contribute compulsorily to EPF Scheme.2) The minimum monthly pension will be Rs.1, 000 per month. Under the new rules, widow of a member will get a minimum monthly pension of Rs.1, 000. For children, it fixed at Rs.250 and the orphans it is Rs.750 per month. In addition, to arrive at pension, salary will be average of 60 months last drawn salary instead of earlier rule of last 12 months average salary.3) Insurance coverage to member increased to Rs.3, 00,000Earlier each member who is part of the EPF scheme had an insurance coverage of Rs.1, 56,000. This insurance coverage has now risen to Rs.3, 00,000.4) EPS contribution from employer raisedEarlier whether your salary was Rs.6, 500 or at a higher level, employers used to contribute fix EPS contribution of Rs.541 i.e. 8.33% of Rs.6, 500. This is increased now to Rs.1, 250 i.e. 8.33% of Rs.15, 000.

    The overall effect on you will be lesser take home salary. Because earlier, whoever earning more than Rs.6, 500 might contributed 12% of Rs.6, 500. Now onward it will be 12% of your salary if you fall under Rs.15, 000 and if more than Rs.15, 000 then also 12% of Rs.15, 000. So compared to earlier, you will see higher outgo to EPF and lesser take home salary. However, do remember that you are indirectly investing rather than spending. So be happy 🙂

    Any doubts about EPF? All major doubts listed in below post. Please go through it.

    Note-We stopped readers comment for this particular post. If you have any doubts related to this post, you are free to raise the same at our BasuNivesh Forum. I will be happy to help you.


1,533 thoughts on “Employee Provident Fund (EPF)-Changed rules from 1st Sept 2014”

  1. i am working with a private limited company,but here they are not deducting pf,where my salary is more than 20000/-

    is it mandatory to deduct pf?i also dnt want to deduct pf

    1. Pankaj-Staying out of EPF is your rights but employer can’t decide it. If you not declaring anything like that, then raise the issue with your employer to start EPF for you.

  2. Hi,

    As per latest ACT, what is the last date to submit pf withdrawal forms, to withdraw 100% PF amount?

  3. I have question kindly understand my prb and reply to me. i have my EPF A/c with my organisation, i completed my
    7 yrs service here.i have uan account .now i want to go to another organisation for better salary.
    in that organisation may i continue the prevous account with out withdraw of pf and iam eligible for pension scheem.

  4. Hello,

    I am Srinu Basava. My employer had deducted PF amount(RS.5600 Employee + Employer) every month from my salary ( from June 2013 – April 2015 ) for 2 years. But they have deposited only (RS 30000) EE-23137 ER 7081 in my Account.

    After I left the company I send them many emails and called them several times, but I didn’t get any positive response about remaining amount.

    Few days back I registered grievance and I got below response from EPF office.

    — Whatever the employer paid is according to the EPF rules itself. Where as your employer remitted from June paid in July 2013 to April paid in May 2015. For any other queries contact your employer.

    I don’t have any idea what kind of action I can take?

    Please Help.

    Thank you,
    Srinu Basava

  5. As per latest act How Much % FROM EE AND ER Shares.and plz give me complte graph of epf .HOW MUCH TRANSACTIONED TO ALL A/CS IN EPF…

  6. What is the last date to submit pf withdrawal forms, to withdraw 100% PF amount. ie. employee+employer contribution!

  7. Hi, I have joined a new organisation where my salary is 50000 and Basic is more then 15000. As per employer they are not providing me a PF at all mentioning my basic salary is more 15000. I would like to know is it employers choice whether to provide PF or not? Or is it mendatory for all the employers to provide PF to employee? Please help since i will be loosing Rs 4000 per month by this.

  8. My current salary is 4000 and my company is deducting 1250 from 4000 as PF . It means I am getting only 2750 per month. Is that deduction is correct or we have to take action against it? Any link regarding this question?

  9. dear sir mera avhi pf cut hota hai mai use close karwana chahta hunjab mai job join kiya tav 15000Rs par month thi avi current salary 20000thousnd hai kaise band karenge pf katana please tell me sir
    i will wait

  10. Basavaraj sir,

    If one has a basic salary of more than 15000 a month,

    1) Can one opt-out of EPF when changing the job?
    2) Can one reduce the EPF contribution from 12% of one’s actual basic to 12% of 15000?

      1. Naveen Pratap

        Hi Basavaraj,

        1) Can one opt-out of EPF when changing the job? – YES
        – would this be true even if the employee had opted in for PF in the previous
        company or is it applicable only for freshers.


        1. Naveen-Irrespective of your past membership with EPFO in past employment, you can opt out of EPF when joining new company and if your basic+Da is more than Rs.15,000. It is purely your rights.

  11. Hi,
    My employer has been deducting 12% of my basic salary for provident fund for the past three years but has not even shared me the PF account details… my PF deduction amounts to Rs:1360/month and now i would like to claim… How much do you think will be my legal claim amount…Can you please suggest me the necessary steps to lodge a complaint against my employer…..He denies to even give us our salary statement.

      1. K vishnu kumar

        Really. Is there any provision and regulation to prove that. If any, pls can you send the link.

  12. How many month/year required to entitled PF Amount to Withdrawn OR Transfer as per PF Act

    1. hi .

      I resigned my job on feb 29 2016, I completed 11 years there. I have applied for withdrawal..is 20 days mentioned above are working days? will I be getting only employees’s share.

    2. Plz clarify in current company my pf is deducting but i am going to join new company where my basic salary is above 15000 so is it mandatory to deduct pf as they forcing but i confirmed twice on pf customer care they said its ur choice to get deduct or not they cant force plz reply

  13. Dear Basavraj,

    Me and my colleage are working in a private limited company. Both of us have opted out of EPF and our salary at entry level is 16500 and 15800.

    The problem is that my colleage who joined last month, comes from a village and is semi skilled. The HR manager says that since we are not a member of EPF then we shall receive payment by cheque only. I do have a bank account but my colleage does not even have a Identity Card and hence cannot open a bank account. The company is not ready to pay him by cash, but vide cheque only.

    Hence I just wanted to confirm whether is it true/manadatory that one not being a member of EPF and salary above 15000 is not entitled to receive his payment in cash and has to receive it by cheque only. If yes, then what can be done for my poor colleage as he is unable to open an account.



      1. Thanks for a prompt reply. Can you kindly provide me some link or anything in print as to wherein I can show this to the HR and my colleage can receive his payment. It is almost 10 days now that his payment is overdue.

          1. hello Sir,

            The HR said there is some notification from the EPF department mentioning – all units having employees strength above 20 need to pay salary vide bank only for the employees not being member of EPF.

            Hence I guess my colleague is still stuck up!!!

  14. Sanjay Parashram Tibhe

    I am now 52 years old and i have need of Pf amt for my daughter marriage. What can i do ? please help me.

  15. Satyabir Sharma

    Dear Sir,
    Ealier my PF amount is not deducted by company.My total salary is 19000.Now I talk to company HR sir about how much PF will be deducted from my salary then the say t will be between 400 to 700.Now I want to know what should be basic salary on 19000 and how much PF will be deducted from salary.Please help me sir.

  16. HI Basavaraj Sir,

    We are just a start up company and our total strength is 17 members, some one told that now PF applicable if we more than 10 members if yes please suggest me to how to go ahead and kindly give me a brief regarding the deduction %.

    Thank you

  17. Sir,
    My father passed away in November 2015. He was due to retire from service on August 2016.
    He has an own contribution balance in his EPF account of about Rs 5.5 Lakhs.

    Can I choose to withdraw the money after 8 or 10 or 15 years so that it keeps accruing interest of 8.75% pa. with the actual principal?

    He joined service in January 1983. Is there any deadline for withdrawal of EPF or will the EPF Dept send me any notice??

  18. Hi Sir,

    We are calculating PF on Basic salary but If employee monthly salary Rs.6500/- and below Rs.6500/-.
    What PF amount calculate ?

    Because PF minimum wages Rs.6500/-.
    Please guide me

      1. 12% of 10,000 is 1200, but can I submit Rs. 2000 in my pf account. or it should be 1200.

  19. Hello, I want to know that if the salary is below 10,000 then its compulsory to deduct 12% of Basic salary or we can deduct an fixed amount, which is greater than 12%.

  20. Dear Sir,

    I have left my Company without survive Notice period, and my HR person says me that we will not signed on your PF form. the PF amount ofl 38 month. Plz suggest how i will withdraw my PF. Plz Help……………………..

  21. my salary was 10000/- and in hand 8987. now they say that since there is increase in basic salary the deduction of PF is more. but salary which came inhand is 8686/-. kindly explain how this works.

  22. Hi, From the PF statement, I can see that my organisation, pays employers contribution in 2 parts, one part is coming in PF and another one is going in Pension(Rs. 1250 every month). Now my question is (1) how can I know how much money is been deducted towards pension payment till date (2) when will I get this money (3) I believe this money doesn’t reflected in PF balance, please let me know if my understanding is correct ?

  23. How much percent of total salary should be deducted every month in software company if salary is less than 10000 a month?

  24. I have resigned job 6 months back now i am doing own business how to with draw pf and what is the rule for that please guide me.

  25. Sir My self is Manisha P.. Sir I want to submit the PF Forms for withdraw. Sir in the PF account my name is mentioned as MANISHA P.. i have filled in form as P MANISHA . Is it will be any problem for withdraw. Kindly let me know sir. Thank You.

  26. I worked in a organisation for 6 months(165 days). I went to claim my PF the Hr said you are not completed 180 days that you are not eligible to claim PF. he said me to transfer the pf to present job location. But I don’t have Pf here. Advise me what to do?

    1. Dear Srinivas.K
      You can withdraw your Pf, if you leave you job before 180 days then you are not eligible for withdrawing employer share. you could withdraw only your (employee ) share.

  27. Shailendra Sharad Deorukhkar

    Dear Basavraj ,

    I have recently in Feb’2016 joined a new company in which NO PF will be deducted from my salary as my basic salary is fixed above Rs.15000/- hence no Employee contribution No employers contribution will be paid .The company in which i have presently joined has a PF code & is applicable to few employees only.
    I have an updated UAN no. for PF & a continues EPF member for last 9 yrs.
    My previous company was deducting & deposting my PF contribution till Jan’2016.
    1) It EPF applicable for me in this new company?
    2) Is it mandotory for the employer to deduct the PF contribution in this case ?
    3) Is this PF code applicable for other Sister concerns of the New company were PF code is not taken as the empoyees are below 10 nos. ?

    1. Shailendra-1) YES. 2) Yes, but in my view, they made all employees salary above Rs.15,000 and took underwriting from you all that you don’t want to contribute to EPF. Check whether you provided such declaration or not. 3) I am not sure about that, because don’t know in what way that company structured.

      1. Shailendra Sharad Deorukhkar

        Regarding Point no. 2 of our previous conversation on 20th Feb’2016 , spoke with my Chief manager Hr on the reply which i received from you .
        No undertaking is given by me stating “don’t want to contribute to EPF” .
        The CM HR has asked a copy of the rule or act in which this is mentioned that “it mandotory for the employer to deduct the PF contribution”

        1. Shailender-Show him the rule that if the organization is under EPFO, and employee not written a request to stay out of EPF, then they can’t stay away. If you need specific clarification, then suggest you to dig the rulebook. Otherwise, simply raise the complaint at EPFO Grievance Portal. They reply will be same as that of mine.

  28. Say, I am in service for the past few years and contributing 12% towards EPF. Employer has been contributing on full PF wages (Basic- Rs.26000/-) without restriction.( 3.67 for EPF, 8.33 for EPS). The new rule says ‘those joining on or after Sep 2014 are not eligible for EPS’, but I have been in service and will my EPS also stop in Sep-2014 or will continue on 15000/…? or the total 12% has to be only in EPF.

    1) In short, will EPS continue for old members even if their PF wages is above 15000 or get stopped in Sep-2014? Please clarify.
    2) In a company if majority employees drawing above 15000 request for exemption from PF enrollment, what is the purpose of social security law? If so, there is no PF deduction from employee and no PF benefit from Employer. Will this not have impact on CTC?

    1. Babulal-No need to confuse. If your salary (Basic+DA) is more than Rs.15,000 during JOINING NEW JOB, then you can stay away from EPF. However, if you already a member of EPF and at later stage your salary raised to more than Rs.15,000 means you can’t stay from EPF.

  29. Hi,

    I just got an offer from a very small company. The break up shows something like this.

    Basic 75000
    PF 1800

    that company is telling that you are only eligible to get the PF of 1800(employee 1800+employer 1800). Even though my basic is 75000. please let me know the details. The company is cheating all it’s employees like this from very long.


    1. Hi,

      I would be interesting in knowing this too. can companies restrict to PF of 1800 (employer 1800 + employee 1800), even though the basic is significantly higher??


  30. Dear Basavaraj,

    I have a query related to salary components for calculating PF deduction. Provisions says PF shall be computed on Basic + DA. Does DA means to include allowances as well (Conveyance, industry, HRA etc.).

  31. Sir, I joined in private high school last three years as peon. Initially after six months from my joining, my monthly provident was deducted from my salary for three months. Thereafter management has stopped deduction of my pf till date. I’m still working in same school.
    Sir please advise me in the matter, to enable management continue deductions of my pf.
    Thank n regards,

      1. Thnx sir,
        Now if i request management to correct their mistake and regularise it. How they will do that.

          1. Thnku sir, thnx lot.
            Now if mangmnt wants to regularise it nd if they request my suggestion on this, then what do I do.
            I want to co-op with mngmnt.
            I reqst your adv.
            Thnx n regds.

  32. Hi Sir,

    I worked with Godrej on third party pay roll Adecco 1 year back. Since i joined by current organisation immediately I did not withdrew my PF amount. Can I withdraw it now. Please guide me with the Process. Also, if I want to transfer it what is the process for same.

  33. Hi,

    My question is if an employees basic salary is rs.8000/- at the joining time, can he give a Form 11 to not enroll him in EPF account.
    Actualy who can form 11 under epf.

  34. Hi sir

    Please give confirmation that PF amount deduction from both employee and employer contribution. In my company they are saying that PF policy has changed that PF deduction from one side only that to employee only, they cutting double PF amount from us, is it correct.

    Thank you sir, i am waiting for your results.

  35. It is great to see your replies on the questions asked by people from all sectors. My question is:

    I am working in a company for 3 years now; but the company has recently registered with EPF. I want to start getting PF deducted , but my basic salary is more than 15,000. Kindly let me know wehether it is possible, since the HR is not giving me consent.

  36. Antariksha Bhokardan

    Hi Sir,

    Thanks a lot for this blog. This has been very helpful. I had a few questions regarding EPS (Employee Pension Scheme).

    I changed my company in 2012 and then again in 2015 so I have 3 different PF accounts. I believe that PF amount both employee and employer contribution is directly credited to the my new PF account with my latest company but I was worried about EPS amount.

    I read somewhere that EPS is given only when a person works for 9 years. In both my previous companies i worked for 2 years or so. So did my EPS in those 2 companies lapse? Or EPS is automatically transferred to latest PF account with my latest company?

    Please shed some light on this

      1. Anupam Srivastava

        Dear Sir,

        I have a similar situation. I transferred EPF accounts from two of my previous employers. But I didnt get the EPS amount. What should I do ?




    Today my age is 50 years and Last 2 years I was working out of India, I have already withdrawn all my PF. Now I came back to India and applied for Pension. I want to ask you, Now if I join any company and getting salary more than 15,000 and also I don’t want to deduct PF / FPF from Salary. Is it possible because of age above 50 and Salary more than 15,000 Please advise.

  38. Dear sir,
    I m in bsnl since nov 2000. due to confusion of rules, bsnl not deduct my EPF from begining. now employer open my EPF account from nov 2000 . question is that who will submit employee contribution and intrest.

      1. thnx sir,
        DDO of BSNL agree to submit both contribution with intrest at this time to EPFO. But they asking my portion will recover in my future salary. No any rule of bsnl in this regarding. if any rule of EPFO in my favour about employee share deduction and epf account open from back date (nov 2000). plz say sir

        1. Manoj-There is no such rule there in EPFO for the fault of your employer. I suggest you to raise this issue with EPFO. Your employer did wrong and now they want to compensate it with another wong doing.

  39. I want to increase my PF deduction monthly.how to proceed on it.Now it is deducting 2000.I want to increase it to 4000.

  40. Hello Seniors,

    I my company some employees basic salary was less then RS-15000 but after the increment they do not want the PF deduction.and their Gross salary are RS-16000, RS-20000 etc.

    Please suggest me what should i do in these case and how they will exit form PF?

    With Regards

  41. Sanjeev Gundecha

    My Basic + DA exceeded 15K for several years now. I have been contributing to EPF all these years. When I switched job in August 2015, the policy at the new employer is to have the employees above Rs.15K opt out of PF. One of your answers says, I can opt out only in the beginning and not at a later stage. Do you mean the Opt-Out option is available at start of the new job which pays you above Rs.15K or once you are in you will need to stay in to it.

    Secondly, whether their employee will be OPTED OUT from EPF or not is it left to the employer or fully at EMPLOYEE’s description..?

    Thank You

  42. Dear Basavaraj,

    I would like to know the below information. It would be great if you can help.

    My current employer has introduced PF. Now the problem is, i worked for 2 companies previously before starting my own firm. During my employment i did have PF from one employer, which i have no details with me as i am not able to trace it as that company got acquired by another MNC. After that i started my firm so had no PF. I am not able to see my offer letter or payslip as they are not available with me at this moment. If i opt out for PF now (my basic is above 15000) what sort of problems i may face in future?

    1. Mamuni-If you are not able to trace the details of earlier EPF, then hard to identify. You can opt out of EPF, there will be no problem. But do remember that EPF is a great tool of creating your retirement corpus.

  43. Sir,

    Whether Gazetted Probationers under Karnataka Government and Civil Services Probationers under the Central Government are eligible for EPF. If not, what about their EPF account from the previous job?

    1. Dear Sir,

      Thanks for your prompt and precise reply.

      Whether EPF is compulsory for those categories?
      Can they also opt for GPF along with EPF?
      Or choose only one of them?


        1. Whether EPF is compulsory for Gazetted Probationers under Karnataka Government and Civil Services Probationers under the Central Government ?
          Can they also opt for GPF along with EPF?
          Or choose only one of them?

  44. Dear Sir,

    I work in a Pvt. ltd co. and my Basic salary is more than 15000, So I am not coming under the PF benefit, my question is, is the decision is upon the employer that whether they want to give the PF facility to employee more than 15000 salary or not? please help.


  45. Dear Mr. Basavaraj Tonagatti,

    I’m an employee of a PSU. I joined after 01/09/2014 and my monthly income is more than 15000. Now there is recently a notification from our company that everyone has to fill up Form No. 11 for EPF. However to fill up this form I require UAN no. When I inquired with my organization about my UAN no. they said since I joined after 01.09.2014 and my PF wages (Basic+DA) is more than 15000, hence my UAN no has not been generated.
    However when I checked this data and tried to clarify it through internet I found out that only EPS part of the scheme has been discontinued for people earning more than 15000 monthly, not the whole EPF scheme.
    Please tell me whether I’m right and if yes then what’s the process for generating my UAN no.

    1. Abhik-When your salary is more than Rs.15,000 (Basic+DA), then either you can opt for EPF or stay away. But at the start of your employment ONLY. Once, you are member of EPF, then even if salary moved to more than Rs.15,000 you can’t stay away. If you are member of EPF, then only you be the member of EPS. But for EPS ONLY. Same is that if your are EPF member then you have to contribute to EPS. You can’t stay away from EPF or EPS alone.
      For your information, you can generate EPF UAN online on your own. Refer my earlier post “EPF UAN registration or activation and allotment is now online“.

      1. Dear Mr. Basavaraj Tonagatti ,

        Thank you for your prompt reply. The information was really helpful. However, I’m still unclear of the part where you say about the EPF and EPS provisions.
        If I’m right you meant to say that, if I opt for EPF then I also have to go for EPS. Only one between them can’t be chosen. Right?Please clarify this point once again if you can.
        For your information, I joined this PSU 2 months back and during joining itself, my total salary was more than 15K. Am I still eligible to join EPF, if I want to join voluntarily?
        Also, I should let you know that, when I was trying to fill From 2 and Form 11 in my company’s website, in case of form 2 it was showing that I’m not eligible, which is the Form for EPS, however in case of Form 11 I could fill up the details, which is form for EPF. So I’m confused that whether I’m only eligible for EPFonly and not EPS, even if I want to opt for it.
        Also, please let me know that if I choose to opt for EPF, will there be any contribution from the employer, since my total income is more than 15K.
        And finally thank you very much for letting me know the process for registering the UAN no. It was really very helpful.

        1. Abhik-Your understanding about EPF and EPS is correct. If you have salary (Basic+DA) is more than Rs.15,000 then you can opt out or join at the time of joining ONLY. I am not sure about online platform of your company. But one can’t be member of either EPF or EPS alone. If your salary is more than Rs.15,000, then employer can restrict his contribution to 12% of Rs.15,000 or can pay up to 12% of your actual salary. It depends on company policy.

          1. Please refer to the last line of your reply “employer can restrict his contribution to 12% of Rs.15,000” ( even if the salary is a lac ??)

            I just want to know the PF deduction & contribution by employer, as per law, in case of an employee earning a lac (Basic along with DA).

            For, an employee earning a lac, is it mandatory to deduct PF at all ?

            1. Mukherjee-When your salary is more than Rs.15,000 per month, then employer either can restrict his contribution to 12% of Rs.15,000 or 12% of actual salary. Whether it is Rs.15,000 or Rs.15 lakh. It does not matters. Salary means Basic+DA.

  46. Sir,

    My salary in previous company is Rs. 15000 per month and they deduct Rs. 1020 as PF amount from September 2014. But i leave that company on 7 February and my PF balance on current date is Rs. 6232. I want to know that on the basis of my current balance i think company did not contribute any amount from their side (As employee and employer have to put equal amount), they only deduct only from our salary for Pf. Is this possible i mean valid

  47. my previous oragnization refuse to sign on my pf form….i have new pf account in my present organization can i transer my pf amount from old pf account to my new pf account….what i should do in case of employer not co-operate with me….plz help and give me proper guidance to get my money.

  48. Hello Sir, i owned a trading company and with the employee staff 20. out of that 10 of my employees are having salary more that 15000 plus . and rest under 15000 rupees. my questions are
    1. should i create a new pf account for my employees?
    2.whether i am going to be under Employees Provident Fund Program , or Employees State Insurances Program?
    3. in which context should i go in?

    please guide me on this subject.
    Thanking you in advance
    Harsh Ajmera

  49. Hi
    I am working in MNC
    Our total employee strength is around 80
    Everybody is getting salary more than 20000/month
    I asked my boss that why we don’t have of account nd no deduction for pf.he replied that pf is compulsory for the companies who r paying salary below 15000.
    So I just want to confirm that is there any other law by which we can get the benefit of pf deduction.
    I heard that if the strength is more then 15 people then it is compulsory to have the pf account
    Plz confirm.

    1. Vishwas-If employee strength ONCE reaches 20, then the organization must comes under EPFO (even if the strength of employee reduces at later stage). Yes, EPF is mandatory to all employees whose salary is less than Rs.15,000 (Basic+DA). If an employee has more than this, then he can opt out of EPF during the initial joining ONLY.

      1. Means we all employees can ask the company to open a epf account as our strength is more than 20.
        According to Indian law it is mandate now.
        Can we take some legal actions against the company if company is not opening a epf account?

  50. Mr. Tonagatti, Greetings,

    Can you advise me a little on EPF.
    If a new company/factory has to be formed, does the company must have PF scheme? Total no of employees would be about 50.
    Can company start the scheme by their own, or company need to hire someone to take care of PF.
    If employees do not wish to join the scheme then one can take only the declaration from the employee.

    Please if you can, shed some light on this.
    Actually I do not have much knowledge of PF but I have to take care of this issue in this new company.

  51. Please let me know
    how to calculate edli premium. A person having Basic + DA rs 23000 and working last seven years and age is 30. wt will b the edli premium for the year and how it is calculated.

  52. I m working in a state govt organisation(Electricity Board) strength of my is around 700 employees..i m working on contract basis,my salary is consolidate amount of Rs. 35K (Fixed remuneration)my contract with the company is for 3 years which will ended i august 2016 but in my contract there is no clause mentioned for EPF .but in subsidiary company of my company(distribution )giving EPF to their contract employee. company is owned & govern by State govt.
    Please suggest me i should demand for EPF or not.

  53. Dear Sir,
    I am working in a Pvt. Ltd. co. in Mumbai wanted to ask you some questions in my mind. Now a days from december 2015 onwards due to EPFO transaction becomes online. Hence they are not receiving our provident fund cheque through Bank from last month. Asking and given a notice to us that make your log in and do it online. We have provided all our details to our agent for updation. He also require Digital Signature of the Employer to complete the process. There are few employees left who have this PF facility in the company. Now If the employer refuse to give all this details to complete the procedure then we are helpless and in this case what should we do? Or if we left the job in future then our fund is blocked and in this case how can we resolve the matter? Or how can we withdraw our PF without the employer’s digital signature? Please help us reg. this matter
    One more question we have to ask you that at what age the Pnesion Scheme is started?

  54. Hi Sir,

    I had one PF account started in September 2004 and I withdrew the PF amount in 2011.Then I joined a new organization in September 2011 and opened a new PF account.

    What will happen to the Pension amount in my PF account that is closed? Is it possible to transfer from the closed account to the newly opened PF account?

    I am already paying Rs.1800 per month as Employee contribution.Is it possible to increase the Employee contribution to PF?

    1. Dhanya-You might have withdrawn EPS also. But if you are not sure, check the same whether you withdrawn both EPF and EPS. If everything is withdrawn, then you can’t transfer. However, if EPS is pending, then you can transfer. Yes, you can contribute more than 12%. This is called as VPF. Discuss with your employer for the same. But they will not contribute anything to match this increased VPF amount.

  55. good evening sir,
    Our firm initially registered with EPFO, Firm has 21 employee (outof 10 employee having salary more than 15000, ),
    now my question is that:
    1. whether it is mandatory to give details of employee whose salary more than 15000, if yes, then in which format? i.e. by physically submit documents or any online facility or form available.
    2. is it mandatory to give details in ECR for employee having salary more than 15000, if yes, then how ? (Because if we cover in ECR then it calculate pf also)

  56. My PF was being deducted in my earlier Organization from Sept 2014. Until Dec 2015 my employer has contributed amount in to my PF account. My PF is as per the data is being deducted in 1)Employee Share(12%) 2) Employer Share(3.77%) and Pension Contribution(8.33%).
    Now I have changed my Job and Will be asking to transfer my PF amount into the PF account created by my new organization

    My query is If I wish to withdraw the amount will I be getting Employee+Employer Share( the whole Amount) Or there will be a deduction .
    One more query if I transfer my PF account from Old Org to New Org then will Employee Share + Employer Share + Pension Contribution will also be transferred?

  57. Hello

    Actually I am the X Employer holding X Private Limited company. Now we need to close the PF Account. Can you please explain me in detail the process for PF closure.
    We already submit the letter to PF office but there is no reply from the concern person.
    Need your help urgently!!!

    Thanks in advance

  58. Hi,

    Can you please help me out in below scenario:

    I have my EPF A/c with my previous organisation, and i left organisation in 2.6 years and joined another company where it is not mandatory to deduct PF and also i have not opted for PF.
    Now i am not contributing in EPF A/c but i have money which was deducted from my previous employer.
    Since 5 years have not been completed of service and there is no more contribution now, so now can i wait till completion of 5 years without any contribution in the A/c. Or should withdraw it immediately. As i knew it become taxable..

    Kindly guide on this

  59. Iam working in a private Concern, I can see two deductions for ESI & PF in my package details , My actual CTC is 12900 in that 908 is deducted for ESI & PF as Employer’s Contribution , My Gros pay is 11993 in that also they deduct 628RS for ESI & PF. Is this is the correct procedure.

    Can i get both employess & Employer’s PF contribution at tht time of my relieving. NEED ur detailed explanation on the same.

  60. I was transfer abroad to an associated entity of a MNC in 2008. Now i need to see my PF withdrawal record. How do i ? How long legally PF office should retain the records of an employee.

    Any other guidance to solve this query pls.

    1. Raj-You can check the status online using their portal. They will retain the record, don’t worry about that. But interest will not be added after 3 years from last contribution. Such account is considered as inactive account. Hence, better to withdraw.

  61. Hi Basu,

    I f we withdraw PF amount still we are eligible for pension? To purchase land or something…..

    Thanks in advance

  62. dear sir,
    kindly pls help me at earliest… i am a female working in a company since 01 oct 2006. till date.. i am totally confused in regards with pension amount from my p.f. and request below answers…
    01. pls clarify do i hav a option of not opting for pension even after completing my 10yrs or more…moreover how n when does my pension start and what is the scenario if i expire before my pension starts and also what is the scenario if i expire in the first 2 or 3 yrs of my pension recving…what happens to my collected amount of pension do my husband or child recv it ot is it forfeited… pls reply at earliest as i need to decide to quit the job n claim the complete p.f ….

    02. if i complete my 10years of employment and the part of p.f is blocked for pension…how do i calculate what is the pension amount…moreover say if i stop to work /job completely say after 15 years of employment and turn a housewife … what would happen to my block pf pension amount.. can i claim it back…or will i hav to completely wait till the pension age and under the scenario what would be the calculations and procedure…..

  63. balu shriram sarkate

    dir sir my name is balu shriram sarkate I am working a 3 years in company but my pf not update only 2 month update I
    I asked a my office his told me a wirdarval a pf all pf amount dipasit your account sir only 2 monts update my pf can a all amount deposit my account after widrval a pf please help me I am not blive in my office my pf no.57560 in delhi north laximi nagar pf office and my office in pune

  64. Dear Sir

    I have a rather peculiar situation(and i must apologize for such a long message!)

    I started working in a Delhi company in 1999 where there was a provision for EPF account. After working for 2 years, i left that firm, and then worked on freelance projects. In 2003 i moved overseas, and i completely forgot about the EPF account. I moved back to India in late-2011 and have been working on a freelance basis. While going through my papers, i found that my account was there with EPF, but it has been deactivated since 2009 . I wanted to withdraw the money but as my ex-employer was not available now, and the old records could not be found in that company, nothing could be done.
    From January 2016, i will be starting a new job where there would be contributions to EPF

    Now my question is, can i use the same EPF account to start making contributions?
    will the new job contributions activate my deactivated EPF account?
    or will i need to start a new EPF account?

    I must add that i m an Australian citizen(by naturalization) and i hold Indian OCI card(that allows me to live indefinitely in India and operate financially like any Indian citizen?

    My apologies for such a long post. but i thought i needed to make my situation clear to you

    Thanks in advance


  65. hi this is harry , i was working in two companies simultaneously , i have a pf account in one company, shell i give that same pf account in second company, otherwise shell i join in second pf account in second company,please guide me

    1. Harish-In my view, there is no such restriction of doing two employment. Hence, suggest you to provide the same EPF. But check with your employer of whether they allow such two jobs or not.

  66. Sir … iam Woring in Private Company for 10 months now iam Reisigned ….. is ia can draw my PF balance without company Permission or not? if Possible how can I draw my PF balance from Account .. what are the Requirements..

  67. Sir, i want to know the following :
    1) If our co. is introducing PF and i will resign after 2 months , what will happen to the PF amount contributed ?
    2) If I work for 6 months, could i transfer the amount to the new employer’s PF a/c ?
    3) If I work for a period of 15 months continuously & contribute to PF , could i get the 15 months PF amount contributed by me fully ?

  68. Sir,

    ESI Coverage employees shall eligible for Sick Leaves? If NO ESI coverage employees how to claim from ESI of this compensation , let me explain the procedure also.

    Thanks in advance.


    P. Srinivasu.

  69. Dear Sir,

    I am working in Pharma Analytical Testing laboratory, can u please let me know what type Statutory Records (Registers) have to maintain in HR Dept.

    Thanks in advance

    P. Srinivasu

  70. Dear sir,
    I want to transfer my PF.
    Date of leaving previous organisation is 30 Sept 2013
    Date of joining new employer is 27 Sept 2013.
    Since there is overlap of 3 days will my PF be transfered.
    If not, what is the way out.

  71. Dear basav,

    My Uan card shows only previous employer Id but it does not show current employer why it is so has current employer not tagged member I’d to Uan ?

  72. I am working in x company in night shift and i have UAN number, and i have also join a new company in day shift they are also creating a new pf account, Is that possible that i can work in both company with two pf account

      1. but i have confirmed to PF office they told me this is not possible and according to labour coat it is a crime (Act 420)

          1. If labor court finds me as 420 then, is that possible that they will block my previous PF account and at that time I will not able to withdraw my PF. (In my PF account I have a huge amount more than two lakh)

  73. I am working in MP Govt. E-Governance Society & my monthly salary is Rs 10000/- which is less then Rs 15000/- but govt. says that we will deduct epf when employee number will reach to 19. It is write or wrong.

  74. Dear Basavaraj,

    I am working for two companies simultaneously using spare time ,and no any issues for my two employers . Me already have pf and uan in one company . Other company also under pf scheme . shall i able to join a new pf account with them also. means two pf accounts as 1 in 1st company and other in 2nd company ?

  75. My company deducts both Employee & Employer from my Employee’s Pay. My Gross pay is 24880, they deduct employee PF of 1020 and Employer PF of 1020 from my Pay..

    Can they do this ?

  76. Hi Sir,

    I am working in Software company from 3 years of approximately 15 to 20 employees. our company is not deduct EPF and we all wants to deduct EPF from our salary.
    so it is mandatory to employers to deduct EPF from employee’s salary.


  77. Dear Basavaraj,
    I have been working in this Pvt.Ltd company for past 1.6 years.all this while we never had a salary increament and nor do we have aPF deduction or any medical policy. my current sal is 22k. How much percent increament should i be ideally eligible for? pls let me knw

  78. I have my probation period as 3 months, If i serve 2 months and my PF is deducted from my 2 months salary, am i eligible to withdraw my 2 months PF (employer and employee) or i am eligible for only employee pf.?

  79. Dear Sir,

    I joined a Company at 14th July 2014 and I left the job , my last working day is 30th January 2015 .
    Whether i am eligible for PF ?

  80. Company have 10 employees but he want to registered in EPF and want to deduct EPF from employees. Whether it is possible for company to do the same.

  81. Dear Sir,
    I am having PF in previous company. Now I join in another company with higher salary. As per the policy of present company, there is no deduction of PF in case whose basic salary exceeded 15000. I am also not interested to deduct my PF.
    My colleague told that it is mandatory to deduct PF.

    As per my view since I have changed the company I can withdraw my PF and not to deduct PF in present company.

    Kindly suggest
    With Regards
    Madan Mohan Jha

  82. Hi sir,

    My name is Bhargava,
    I worked 5 months in x company and 2 months worked with another company. Total(5+2) months is it possible to withdraw my pf>if it is possible.what is the process tell me.

  83. dear basavraj,
    i lost may father in Oct 2013 and till oct 2013 all the pf contribution are made
    so from Sept 2014 EDLI new rules the upper limit for calculations of ELDI pension is 15000 (BASIC+DA)

    so can i able to get the revised EDLI amount as per sept 2014 rules or it will alucated by pf office as per old 6500/- rs limit

  84. `sir am pursuing — course as per — course rules not to do any job during that period , but due to financial problems am doing a job with salary of 12,000 per month in an organisation which applicable per pf , but if pf amount will deduct it will effect on study period plese kindly advise how can i overcome it?

    1. Karthik-If you can manage both study and work, then I think you continue job (I don’t know the effect of doing so). However, you can’t stay away from EPF deductions and your course conductor will never come to know about EPF.

  85. Hello Basa Sir,

    I want to know that FPF deduction is beneficiary or not. As I am going to join a New Private company & he will deduct FPF from my CTC.

    so I just want a suggestion that it is accessory/beneficiary or i can say don’t want to cut FPF.

    Sunil Kumar

  86. Sir,
    Our company maintained PF in trust since inception (2006-2011 June). From July 2011 the amount was transferred to EPFO and thereafter It got deposited with EPFO only.
    I have completed 9 yrs service in the same company and still continuing. Now I want to withdraw amount from EPFO for purchasing of house (based on the rule that I have completed 5 yrs of continued service). When enquired in EPFO by personally visiting the officer, he said I can apply as I have completed 5 yrs.

    But my company HR gave an info that we can withdraw only after 5 yrs of completion from the month of transfer to the EPFO , i.e – from July 2011 – July 2016.
    The EPFO officer who is so much experienced also didn’t say about this when we told him that it was earlier under trust and now with EPFO

    Is this true? Pls guide with the facts.

    U can drop your reply to my email [email protected]

    Thanks in advance

  87. Hi Sir,

    I am working in a IT company from 5+ years. Due to some reasons I would like to discontinue EPF facility completely.

    Is this possible?
    If possible, then how much amount would be clubbed in take-home salary.

    Looking forward for your reply.


      1. Hi Sir,

        Is it possible to request company to reduce deduction from 12% to its minimum limit?


  88. Hi Basavaraj,

    I am working in a company from 5+ years and getting EPF benefit (like this year’s EPF will be approx 59000/-).

    And 80-c already exhausts due to investments like “tuition fee, epf, ppf, etc.”

    Now if I plan for home loan, I cannot get benefits on Principal contribution (approx 50000/-) and Registry charges (approx 200000/-) .

    Now please let me know …

    Query 1: If it is possible to request company to stop my benefit of EPF for next financial year. In other words, can I request company that I don’t want to avail EPF facility in next year?

    (This is just so, I can mention 150000/- of Registry Charges in 80-C to get benefit from this in next financial year.)

    Query 2: By this, (next year) would I get equal amount of Employee’s + Employer’s EPF contributions included in salary (after TDS deduction). In other words, would 65000+65000 = 130000 – TDS i.e. 130000 – 26000 i.e. 104000/- be added in next year’s salary ?

    Looking forward for your advice.

    Kind Regards

  89. Dear Basavaraj,

    Can you clarify me, in the cost sheet Employee PF deduction min 12%. Is there any chance to enhance the percentage of deduction in employee portion with their personal interest.

    If it is okay, what is the limit of percentage.


    P. Srinivasu

    1. Pativada-Yes, employee can contribute more and it is called as voluntary provident fund (VPF). But employer will not participate to match this VPF. Hence, it is purely from employee end. The limit for VPF is 88% of Basic+DA. Employee already contributing 12% of Basic+DA towards EPF. So up to the remaining 88% of his Basic+DA can be utilized for investing into VPF.

  90. I was working in a company in Vadodara where the PF & VPF was deposited in a trust. This account is linked to PF Vadodara
    I changed my Job 3 1/2 years ago to Mumbai, Maharashtra.
    My new co has opened a UAN account. I applied to transfer the amount in my new co account which is linked to my UAN account. I applied 4 months ago i.e 3 years after I left that co.
    Since I had no communication regarding transfer, I inquired to my previous co about transferring the PF After a lot of dillidalling I was told off the record that my transfer form 13 is recieved by them but since the amount to be transferred is large they will transfer it when they have the money. If I want my money, I should withdraw my PF.
    Can someone help me get my money transferred or should I withdraw the amount.
    Is it possible to give a reply on my email id also as I my not access this page regularly & lots of post will get added.
    My cell no is 9970068635.

    1. Nitin-simply their not saying the truth. Money will not be with employer, but it will be with EPFO. How can they transfer the money? They have to process the form. Hard to believe on their facts.

  91. Hi Basavaraj,

    Can you please address the below queries?
    1) NEW employee( having basic+DA=25000 ) has opted out of EPF contribution. Can he request employer to stop contributing? If not; then can he request employer to reduce that? What is the lowest limit for employer’s share?
    2) A person has left the organization & has withdrawn his PF. After say 5 months while joining a new company….. will he be eligible to opt of EPF contribution?

    Thanks & Regards,

      1. Hi Basavaraj,

        My query is;

        can a new employee( who has opted out of EPF contribution ) request EMPLOYER to stop contributing? If not; then can he request EMPLOYER to reduce that? What is the lowest limit for EMPLOYER’S share?

        Thanks & Regards,

  92. Hi Basavraj,
    I worked in a bangalore based company for 3 years, i was operating from Hyderabad. i resigned it in 2003 but not yet transferred the PF. I am not aware of the PF account number also. Can you please guide me with the right procedure to appeal for the PF?

  93. Hello sir, its near about 2 nd half year of having job in govt sect. And now i need to claim for my EPF. Is it possible while i am in same department or company. Means without left the same job can i get my EPF pay.

  94. Hi,

    I am an employer, we recently enrolled our 20th employee. I wanted to check if it is mandatory to pay EPF to our employees as their salary (Basic + DA) is above 20000. Please do let me know.


    1. I heard that if the employees previous employer was paying EPF, then we will have to as well. Just wanted to clarify this.

  95. Hi,

    While generating UAN number, my current company is getting this error from PF office. “Previous Employer Date Of Leaving is greater than Date Of Joining Reported against the Current PF AC”. There is 8 days overlap in the employment period. Whom should i approach to get it rectified if my previous employer is not cooperating on this issue

  96. Hi,

    I left my job three months ago. I’ve recently joined a new job. However, my new job does not have a provision for PF. Can I withdraw my PF amount? I know I can’t when I’ve a new job, but since there’s no provision for PF here, what can I do? Is withdrawal possible?

    Anu Krishnan

  97. Hi,
    I have a PF account to which my company & me have been contributing for 1.5 years. Now I am moving to another company which does not have a PF policy. What should I do in this case as I cannot transfer the PF account with the new employer? Please help.
    Thank you.

      1. What is the minimum serviece period for widrawing my pf.?? Can I apply to widrawing pf at the time of widrawing my job..?

  98. Dear Bashvaraj ,

    Currently I am working in Public Sector Undertaking Since April 2015 , now i decided switch to another job in central Government but my training period is not completed. can u tell me what would be the procedure for collecting my EPF .
    I would appreciate early response.

    Thank you

  99. Hi Basavaraj,

    Many people are asking about PF withdrawal/Transfer but i just want to know what will i get/receive if i retire at the age of 58 Years like EMPLOYEE+EMPLOYER EPF contribution+Interest earned on this EPF. Along with that, some % of EPS contribution, even i searched in the internet and i didn’t find anything.

    Many people don’t know about this,Please let me know the Benefits/Receivable amount at the age of 58.


      1. Thanks Basavaraj for your response.

        EPS based on Table D is only if i withdraw pf with in 10 Years(plz correct me if i am wrong) and how to calculate pension of EPS.

  100. Subham Mukherjee

    1.) Presently I am working against the monthly remuneration of Rs. 13000/- including ESI and EPF but it is going to be 16000/- per month very soon. Is there any mandatory rule of deduction of EPF and ESI even when the salary is of Rs.16000/-?

    2) What is the minimum blocking period before which I can’t withdraw amount from my PF account?

    1. Subham-1) Once you are member of EPF, then even if your salary increases, then you have to be member of EPF.
      2) There is no blocking period. But you being in job, can’t withdraw EPF.

  101. Dear,

    In my present organization UAN is already created. Now want to join in a new company and not interested to transfer my PF balance to new company based on UAN.

    I just want to withdraw my PF amount. Is there any process for the same?

  102. Dear,

    My Gross salary is 22,000/- and Take Home Salary is 19,800/-. I don’t want to deduct PF from my salary.

    Is there any process for that?

    If Yes, then What?

    If No,

    Then is it mandatory?

    Please reply me soon

  103. Hi,

    I have worked for some company about 7.7 years and resigned last month. After completion of my notice period I joined new company where they have created new pf account and linked to my UAN account.

    I wanted to withdraw my previous company pf will EPF allow me to withdraw? as I joined new company and linked my new pf to my UAN account?

    Please explain me the procedures…

    Thanks in advance..

  104. K.Rajendra Babu

    I & 40 members have joined 26 years ago on Adhoc basis (temporary) in Dr. NTR University of Health Sciences, Vijayawada -8, in Clerical cadre and given pay scales on 23-02-2000 but our services were not regularized till date. At present I am drawing Rs:25,000/- (Gross salary) and RPS-2010 & 2015 is pending. My GPF subscription is deducting Rs:2500/- p.m. Certain employees are going to retire from services very soon ie., 2 to 5 years.

    In this regard I request you to clarify whether we join in E.P.F. scheme and also requesting you to clarify whether we continue in GPF or not along with E PF scheme for receiving Pension purpose. We have no facility for drawing pension from the University. If our request is considered please send the pension details.
    Thanking you, in anticipation. K.Rajendrababu, Jr. Asst.

  105. Hi, I have worked in a firm for 20 years and resigned ,now .applied for pension scheme certificate. PF office says they had sent by post but I have not recieved it. Will it be a problem for claiming pension afterwards?

  106. Hi,
    Pls help advise as I had worked in an organization for 3 months only. Can I withdraw the amount from PF office.
    Or, is there particular locking period time that a person had to work for 6 months to get the eligibility to withdraw the amount.
    Pls advise.
    Raju Ranjan
    [email protected]

  107. Hi,

    I worked for a NGO fo 6 years and 1 month.

    In the middle of this month i was resigned to the job based on the management policies and other reasons.

    The problem is :

    I have been a consolidate employee for the period of 6 Yrs (No EPF) (During my joining salay is 5,000 for me and my qualification is MCA)
    Suddenly they were changed their policies to make me confirmation (EPF deduction).

    I have told to my manager that I will complaint to PF Commissioner & labour commissioner for your PF and employee salary policies. As why you have not confirmed me earlier and why you are confirming me now ?
    If your rules are made written perfect i have to be confirmed at the time of joining once my probation period completes (3 months) and not wasted of my PF. and also stated o the manager that the employer was hidden the 18 employees to the society and EPFO as well.

    I told the above things and resigned the job.

    Now management are forcing me to sign on a self declaration documents in which they mentioned like”Any complaints on this organisation made by me (i.e. myself) at EPF commissioner & Labor Commissioner will be invalid on my receiving of the service certificate”

    How far this is valid ?

    Please suggest me in what ways i can file a complaint on the employer for the concerned departmental officials.

    Giving breaf fo you:

    1) I joined the organisation in Sep-2009 and I have not received any job offer letter /appointment letter from the employer at the time of joining.
    2) The NGO had an employees of 31. and they are maintaining internally two scenarios for employees i.e. 35 % (13 members)were enrolled in EPF and maintained a attendance register called ” Confirmed Staff”
    3) And the remaining 65 % (18 members) were not enrolled in EPF during the entire service period and maintain their attendance in separate called “Consolidated Staff”
    4) I have gone through the service rules of the organisation and there such provision is not there.
    5) For those who are enrolled in EPF, a total of 24% (12%+12%) is deducting from the employee only. And the same was not intimated in written to any of the EPF members of the NGO.
    6) Here they are doing a tricky that they are showing in the PF statement as per the rules driven by the EPF ( i.e. 12% by the Employee & 12% by the Employer). And this is doing upon management own unwritten decision.
    7) If any employee raised an query on top of this issue their reply was the organisational contribution (12%) was included in the gross salary itself. But this does not have any written proof.(i.e. no such agreement made with the employee before hiring).

    Please suggest me sir,

    My presentation may be bad but I am suffering alot.

    With thanks,

    V Kishore

  108. Hi,

    I Am Having A Doubt Regarding The Deduction Of PF From My Salary. Let Me Give You A Scenario To Explain My Doubt. Lets Say My Total Package Is 6.5 Lpa.
    650000/12=54166 Pm.

    Now In The Offer Letter From The Company, They Have Mentioned The Salary Breakup Something Like Below :

    Others(LTA Bla Bla): 52166
    PF: 1300
    Gradutiy: 700

    So, Now I Assume My Total Take Home Salary Will Be 52166-Tax. But In The Payslip Of My Company I See Again Some PF(Which Is Not The Amount Mentioned In The Offer Letter) Is Got Deducted From My Salary ..Like (52166-1100(PF)-Tax).

    So What I Can See Here Is PF Is Getting Deducted Two Time From The Total Salary. Please Clarify..Is This The Right Process??

    1. Jasbeer-The payslip deduction of EPF is the contribution of what you will pay towards EPF. The EPF amount showed in your total package is nothing but CTC, where company mentioned their contribution also.

      1. ok, So is it means that if they have mentioned Rs 1300 PF in my CTC and total CTC as 6.5 lpa. So my total CTC is 634400?


  109. Hi,
    if my PF amount deduct around Rs 1250. then how much amount i will get after 2 year if i left the job. also in current PF policy, what is the contribution of employer in my PF amount. for exp if my PF amount is 1250 then same amount will be added by employer.

    1. Amit-Who knows the future interest rate of EPF? In that case how can I say how much you get after 2 years? Also, your salary will not remain constant in this two years period. Hence, difficult to say. Employer contribution will be same of what you contribute to EPF.

  110. Hello sir
    I have a clarification my DOJ PF is 25/06/2006 and DOL is 15/09/2015. Will i fall into pension scheme . what is the total years to fall into pension scheme

  111. Hi Baswaraj,

    Firstly its great that you are giving your valuable suggestions. Could you please clear one of my queries.
    I worked only for 3 months in a company , so can I withdraw my PF money. My ex employer is saying that since I had worked for less that 6 months, i can not withdraw the same.

  112. HI,

    Currently i have PF account from oct-2013 to Nov-2015 ( 2 years) and i transferred old PF account to current PF account
    1. )1.4 years (July2006-Nov-2007) service first one i transferred to current PF account
    2.) 1.4 years(July 2012 -Sep2013) service second one i transferred to current PF account

    Totally 4.8 years of service . I am moving to abroad next month , After 5 to 6 months can i withdraw amount without taxation.If taxation is there how much percentage of tax will be deducted??,
    or is it possible to possible to pay remaining 4 months period by self ?? Please suggest.


  113. Sir,

    Pls advice if a company deduct PF of employee & deposit it to govt, what is the time shcedule to deposit with govt post deduction from employees salary?

  114. Ramakrishna Bhat

    Hi, I want to withdraw PF amount for my marriage, what are the rules/procedure for that?
    my work exp is 5.5yrs.

    Thanks in advance.

  115. First of all I really appreciate your response for the huge queries posted in this forum.

    I was working in ABC Pvt Ltd company for 3.5 years and left the organization on 15/10/2015 in-order to search for another job and am unemployed right now.

    Please explain my query on the below situation:
    Suppose If I have submitted my PF withdrawal forms after being unemployed for more than 2 months ( lets say submitted PF withdrawal forms on 16/12/2015 to my X company) and If I have joined a new company on January 2016..

    1) Will the PF withdrawal still be accepted and will I get my PF money or does it get linked to the PF of the newly joined
    Being already submitted PF withdrawal forms, I don’t want to transfer the PF to the new company actually.

    2) Is it mandatory that I have to enroll for PF in my newly joined company? (lets say my Basic is above 15k and CTC is above 5Lakhs in new company)

  116. Hello sir,

    I was working with organization upto four years and 2 months. I resign from my post because I got admission in PhD. I withdraw my PF. My question is whatever amount displayed in EPFO in my login and the amount they gave was totally different.

    I want to ask that, is there any rule that if person is not doing five years of job then maximum upto 10% amount will be deducted from PF?


    1. Vishal-You will get all benefits of whatever present in your EPF account. But yes, if your service is less than 5 years, then they deduct TDS, which you have to reflect in your tax filing and pay the tax accordingly.

  117. Hi ,

    I worked in my previous organization for 1 year 9 months, and switched to another company
    I would like to withdraw my PF amount, so i wanna know , is there any tax will be deducted ? if yes how much ? and is there any alternative ways.

    Awaiting for your positive response

    Thanks … 🙂

  118. hi,

    I’ve the following query:

    1. I’m working in a pvt company for the last 9 years and 8 months. I’m planning to resign and start on my own or take a break.

    2. I can continue to remain on the same job for another 3 – 4 months (if required) – the reason is this will complete 10 years where PF has been accumulated

    Question are :

    1) Is it better to wait till 10 years is complete and then resign OR i can leave now itself ? does it make a difference in the PF/Pension ?

    2) I don’t have an immediate needs of funds.. can I park the PF amount in the account itself, even if i won’t be working for at least few year ? is there any limit to the time period which you can park it in dormant fashion like this ?
    Will it get the same rate of return ?

    3) If I choose to withdraw the PF (there is about rs.15 L), will I get the full amount ? or will some amount be blocked for pension schemes ?

    Thanks for your time.


    1. Harikrish-1) Better to complete 10 years as it helps to EPS.
      2) You can leave it as it is. But do remember that after 3 years, EPFO will stop to pay the interest on such inactive accounts. Hence, try to withdraw within that period. Also, it is dangerous to keep idle account.
      3) No, you will receive the full amount. EPS is separate which not showing in your EE and ER balance.

      1. Thank you very much for your prompt response!
        Instead of letting the PF amount remaining idle, is it possible to deposit some money on a perioidc manner , so that the account does not become inactive? or this is permitted only for ppf ?

      2. Hello,

        Can you please confirm that PF will pay interest for 3 years after it becomes inactive (ie, the person stops working and hence no inbound transaction is there in the account)…

        Someone in my office was mentioning that these rules have been amended and the period has been reduced to 6 months.

        can you please confirm ?



  119. Hi,

    I have worked in a private IT company for 4.5 years but now I am moving to USA for further studies and will probably not be coming to India for 10-12 years. Hence I am thinking to withdraw my PF amount, there are three sections in PF: Employee share, Employer share and pension contribution. Upon closure, will I get the amount present in pension contribution as well? As I am closing the PF account, I should be getting the complete amount including pension contribution. But I am confused with the policy.

    Kindly guide me.

    Also If in future, lets say 10-12 years , If I will be again working in India can the new employer create the new PF account since this account will already be closed after withdrawal?

  120. Hi Basavaraj,

    I have registered my UAN on portal. After activation of UAN, I sms EPFOHO UAN ENG to 77 38 299899. I received a sms contains Available last contribution : 0, total contribution : 0.

    I left the organization where i was opted for pf deduction in the month of June’15. Now, i have not opted for pf (i took that part of salary in hand). So last contribution might be 0 ; however, i’m not clear why it is showing me total contribution o as well.

    Can you please help me on this ?

    Thanks in adv.

  121. Sir,
    I am working in software comapany for 5 years and epf is deducted from both emplyer and me. Now I want to do part time job in parallel to exixting job and new part time also want to deduct epf. Is it possible??

      1. Do I need to have same epf account or two active accounts for two organization.But with this case my primary comany will get to know that employee is working elsewhere also with the help of UAN?

  122. if i worked in a company for 3 years and the left the job and joined the another company my PF will resume but in case i did not get job instantly then how much time is allowed to resume the PF? What is the maximum allowed gap of unemployment?

    1. Aman-For withdrawal, if you are unemployed for more than two months then you can withdraw it. However, in case you don’t want to withdraw and continue the same in your next job, then in my view there is no such limit. You have to quote the old EPF and continue in your new job.

    1. If employer needs to contribute @ 12% , then is there any notification specifying the list of industries to which it’s applicable?

      Soliciting for your reply!!

      1. Thanks for the reply, I read that 12% rate is applicable for industries as notified by central govt from time to time. Does any such notification had been published in the official gazette?

      1. Dear Basavaraj Tonagatti Sir,

        I am working in a private firm form 14 months and my PF deduction is 12% per month ..
        I have a UAN No…and have download my passbook from UAN Login…

        there is a column Pension Deduction that is not cleared…..about 8.33 percent…

        i can’t understand what is the actual amount or total amount which i received at the end…

  123. Twinkle Bhansali

    Hello sir,
    I am working in a pvt sector and my salary is just 12000/- and there is no PF facility in my office but i want to open PF account so is this possible ?
    i get my salary thru cash.

      1. Twinkle Bhansali

        Hello sir,
        Than can i open PPF account instead of EPF ?
        or should i go with NPS ?
        Please clear my doubt sir..

        1. Twinkle-PPF is entirely different product and also NPS. First understand your requirement. If your core requirement is to create corpus for retirement, then don’t invest in PPF and NPS. Instead create your own wealth by investing in equity oriented mutual funds. However, for your debt portfolio, you can invest in PPF.

  124. Krishnendu Ghatak

    Is it mandatory to deduct P.F of new joining , whose salaries is more tan 15,000.00 ? As our concern is all ready deducting P.F of employees whose salaries more than 15,000.00.

  125. Dear Sir,

    In our Company we have total 21 no of employees , should the company deduct the PF for the employees below Rs 15000/-

  126. Hello sir
    I transferred my PF through OTCP Portal. Previous employer PF maintained with Faridabad PF Office, but current employer PF is maintained with Inhouse Trust.

    Claim form already approved by previous employer on 10/07/2015 but it is showing pending approval from present employer. What to do in this situation??? Whom to contact to transfer my PF to trust?
    Kindly help


      1. Sir
        My UAN number 100389818804
        Previous employer PF account no. HRFBD00005070000004781 (Faridabad)
        Current Employer PF account no. – KDMAL00010600000015515 (Inhouse Trust) (Maharashtra)

        Current status as of now is
        31 July 2015 Claim Form Submitted .
        10 Aug 2015 Claim Form Approved by Previous Employer .
        01 Oct 2015 Claim Form Pending at Present Employer .
        Kindly help


  127. Sir,
    I am employee of YZ ltd co from 5 years company deduct both PF contrubution from my Salary I want deduct zero amount from Salary. Is there any process for no deduction. what if my new friend just join & he laso want no deduct PF Contibution.

  128. Dear Sir,

    This is regarding the PF Claim for my mother.
    She is working with a organisation from last 32 Years & is now willing to resign before 3 Years of her retirement.
    I just want to confirm if she put resign before 3 years of her retirement, will she be entitled to all the benefits of PF..?
    Will she get complete amount of her PF or some part of it goes to pension.
    Pls clear.

      1. Hi sir,
        I had worked for 6 months XY company . Currently am working Abc company (eg). I want to withdrawn my previous company p.f amount. Did i eligible to withdrawn????
        I don’t want to transfer that amount to current p.f account… Pls suggest me how to do ?? And what is the procedure to get it done??

          1. Ok thank you sir.. Is it possible to transfer that prev company p.f amount to current company ?? If possible Can u please tell me procedure to transfer the p.f???

  129. Kishore Kumar Bhatt

    meine trust ki school mein abhi job shuru ki hai .mein pf ke bare mein kuchh bhi nahi janta. kripya aap mujhe eske baare mein hindi mein jaankari de.mein english bahoot kam
    samajhta hoon.

      1. Hello sir,

        I joined office in january 2014 but my deduction starts from 1st september 2014 and left the office on 22 Feb. 2015 but i took 28 days leave from sept. 2014 to 22 Feb. 2015 now officers in epfo are saying your service is less than 6 months so you are not entitled for claim. Please guide me.

          1. sir i want to withdraw my money as I joined government sector where epf does not apply but I am not able to withdraw the sum as the officials in epf office denying for it.

                  1. sir they have given me in written that you are not entitled for epf withdrawl as you are not a member for 6 months.

      2. Sir
        I am emplyee of a private school .my gross salary is 25000 rupees . I am working since 3 years . And also EPE deduction from begging of my joining.
        But now school management is not ready to continue with EPF. But I want to continue with it.

  130. Dear Sir,

    i had resigned my previous job on 04.04.2015 due to i got new job near my home, in previous company we allready alloted PF ID no & UAN No. we have get new PF no. from my new employer but thay want link this PF no to UAN. But they can not link to UAN because of previous employer not Verify KYC. i requested to previous employer for verify KYC documents which i have upload document Adhar Card scan copy online. But no responce from them .. Pls. guide how to complete KYC.

  131. hello sir,

    i left my previous organization in march 2015 , i got a new job in a new location in sept 2015 before shifting i had applied for pf withdrawl from last organisation , now my new emloyer says that i have to tranafer that pf a/c and if dont do it they will be charged a heavy fine …my pf withdrawl is already in progress and want to get that money….please guide me what can be the solution for this

      1. i am confused too, i had applied for the withdrawl before i joined the new company and i had no idea about the joining date here , so will i get my pf money or not coz i have applied for the pf after leaving that job

          1. i have joined here with new employer on 17th September 2015.and u completed the withdrawal formalities with the hr from previous company in the last week of august

  132. Dear Sir,

    I left my past organisation around 2.5 yrs back. Because of my laziness I did not claim my EPF contribution at that time. Now, can I claim my previous amount & include them into my present EPF account?

    Please suggest.

  133. sir kisi bank employee ne bank mein fraud kar liya and bank ne usko suspended kar diya and bank ki fraud rashi bhi vapis nahi kar raha hai kya hum uska pf rok sakte hai & uske pf amount ko recover kar sakte hain.

      1. Sir iam an hdfc bank employee but given the resignation on this sep 2015 sir actually my probation is of one year and my joining is of january 2015…i am in my notice period of one month..now want to know do i get my pf or not if iam leaving the job before confirmation..pls reply..

  134. Good Evening Sir, I am rajesh. i am working in a private organaisation. due to lot of problems from management the employees of our organaization have formed an union which is all india registered one. when we send the demands to our management they did not call us and talked about the same. then we have raised a dispute before labour commissioner. till now 6 hearing have gone management have not appeared for any. in this situation management has suspended 5 office barrers and organaied a domestic enquirey. they have charged us with un happened things like protest, theft, malfuncution, strike etc.. now they are trying to terminate us. my question is when the case is in labour court is it possible to terminate the 5 office barriers. we were suspended from servise of june end.

  135. second employer does not provide pf number and UAN number they give only basic pay that is 8000. coworker gets 8300 after the deduction of pf. I am lost allowance and double deduction of pf (employees and employer) I am lost House rent, house rent is more than 1000

    coworker get 8300

    8000+1100+ allowance + pf deduction = 8300
    I get basic pay 800o
    They told that one employee can only one pf and one UAN number I am lost lack of money and one year service can employee have 2 pf account number with 2 different companies. please answer whether my service and money gets lost

  136. flora e.m. school

    an employee got pension from employees pension scheme. now again joined and working in our institution. Shall I deduct 8.33% to employees pension scheme or not?
    or Shall we deduct total 12% of employers share to employees pension fund? Please give clarifications.

      1. Dear Sir,

        As per Latest Amendments , how much the minimum Administrative and Inspection Charges.

        Some one tell me Minimum Administrative Charges – 500 and Minimum Inspection Charges 200.

        it’s true.

  137. Can an employee have 2 pf account numbers with 2 different companies, I am working under a company. company provide pf account number and UAN number. I am also working night shift in another company but that company does not provide pf account number and UAN number they told that one employee can work only in one establishment is it right

    1. Sijo-As far as I know, there is no such restriction from EPFO that one must do only one job at any point of time. At the same time, I suggest you to manage only one EPF account by mentioning UAN.


    I Work a Gas Distributes, I pay E PF 298 and my office pay 298 , I 28 years old , how to return money in 60 years of my retirement

  139. hi

    I want to ask about life insurance on pf account. My brother expired last year he was working as secondary teacher in Maharashtra state board school. I want to know how can i claim his insurance on PF account.Please advice

  140. Hi,

    I was deducting my EPF in earlier company. Is it compulsory to deduct EPF in current company too.

    Thanks & Regards

  141. A company has offered me Gross salary of INR 5.5 LPA. 3
    Whether EPF will be deducted on my salary?


  142. I am working in a private BPO. Due to location change. They forced us to resign and rejoin in the same company(Re badging). Our old employee id got cancelled and new one has been issued. Due to which company had created new PF account. Company assured old PF amount can be withdrawn. Now the company says it cannot be withdrawn and it would be transferred to new PF account. But few people are saying Old PF account cannot be transferred to New account because the company is the same. Moreover there is a gap of 10 days between resignation and rejoining. Please suggest

  143. I joined EPS & EPF on 28/07/2008 when I joined my first company. This
    account was continued till 30/10/2010 in same company and was transferred to new company w.e.f
    04/11/2010 and is continued till date. I am travelling to US in Nov 2015 for long time.
    So my EPF & EPS contribution will stop after that.

    My Doubt is regarding the EPS withdrawal amount calculation as starting 1st Sep 2014 the
    Max ceiling is increased from Rs. 6500 to Rs. 15000 and I have contribution in both period –
    Before and after this change. My Basic salary is above Rs. 15000. So how will the calculation
    of my EPS withdrawal amount be like. Will it be calculated as 7.13*6500 or 7.13*15000 or .
    Please Let me know this calculation formula

      1. Awesome. Thanks for the superfast response. So with i can conclude that with the increase in Max ceiling amt from Rs.. 6500 to Rs. 15000 eff 1st Oct 2014 my EPS withdrawal amount is increased 2.3 fold even though for the larger period of time I paid my contribution as per Rs. 6500 max cieling. Good news

  144. Dear Sir,

    as per above question and answer I understand that the 12% of amount deduction from our basic salary for EPF and Company contribution is 3.67% for EPF and 8.33% for EPS

    If I resign after 2 Years Then I will be received my 12% Amount + 3.67% Company contribution,

    Now tell me please whether I eligible to 8.33% EPS amount also,
    When I submitted the PF withdrawal form that time I can also received that 8.33% EPS amount?

  145. sir iam working as a accountant in zenith engineers company, we have 15 members employees , we want to deduct epf from salarys of employees from this month sep 2015, what is the process let me know. all are above 10000 salary, i dont know bout percentage & forms please tell me sir

  146. Dear Basavraj,

    I have joined a private company on 15th October 2013. However, my previous employer (again a private employer) has relieved me on 31st Oct 2013. Due to this, will the overlap period of 16 days, be considered as dual employment and thereby affect the PF transfer to new organisation (which i joined on 15th Oct 2013) ? If so, what is the way out ?

  147. My Gross salary is 14000/- . My Basic salary is 4000/- . There is no DA. My special allowance is 10000/-.
    How much PF should be deducted from my salary . How much PF should be contributed by employer.

      1. I have been told by my employer that deduction would be 12% of Rs. 7500( which is 50% of my salary). Is it a fact that now basic salary has to be 50% of total salary.

  148. Sir,
    My Basic salary is less than Rs. 15K and my comapny deducting Rs. 1800 as PF.

    I want to know that for employees having basic less than Rs. 15K, what should be the PF deduction. Is it 12% of 15000 or 12% of Actual basic salary????

  149. I am working in a private company and my basic is less than 15000 and my PF is deducting Rs. 1800.

    I want to know that for basic less than 15000, what should be the PF deduction calculation??? Is it 12% of basic or 12% of 15000.

  150. Dear Sir

    I am running a factory which consisted of 50 members at initial. So at that time we were paying and contributing towards Epf. Now my employee strength has come below 10.
    My question is can i withdraw from paying epf since it was mentioned that only strength more than 10 employees is required for payment of epf.

  151. I was working in a private company and has EPF account and now i join new company and my basic+DA is more than 15000 , my new company is not deduct any PF from my salary and not contribute itself.

    My question – Employer can take decision in my case to not deduct any PF and not contribute itself as i have already an EPF account.

  152. Hi,

    I retired at the age of 60 from a PSU and didn’t withdraw my PF money at that point of time. Instead, I opted for the option of continuing with EPFO for next 3 years. I want to understand that interest accrued for the 3 years( post retirement) , will it be taxable or non taxable? I am asking this since my organization told me that it is taxable and i have heard from lot of people that it is not taxable. Appreciate your prompt response.

    1. Amit-If your concerns is mainly towards these 3 years interest, it will not be treated as special. Taxation will be based on how old is the EPF and for how long the contribution done, rather than the interest during inactive stage.

  153. Hi My Salary is more than 15000 from the last 3 years, so still EPF will be deducted from my salary, also i saw that under pension schem there is some amount is getting deducted every month. may know the percentage of it and what will happen to this amount? can i withdraw after leaving the company?
    Please provide me all the percentages so that i can calculate and see, becuase i see some discrepency in the EPF, also is there any change in the calculations from Mar 2014 to Sep 2014 as i see that Pension amount was deducted @541 and my basic is 7292. so please provide the percentages on this basic so that i can calculate of deductions from the begining.

  154. Dear Basavaraj,
    I was left a company (Indore MP) in Nov 2008 . After some time I applied for transfer all my PF to my new company’s (Dehraddun uttarachand) PF account. The EPFO asking for some documents related to my previous company which were available with my previous company and the company was closed in 2009. The money not transfer after so many follow up. Actually the previous company did not deposited some employee contribution also did not deposit their contribution since 2005.
    The FPFO indirectly forcing me to withdraw whateven the amount in my account by showing that I left the company in 2005.
    Let me suggest what to do.
    Rajesh pathak

  155. Hi Basavaraj,

    I was initially working in a company from 2008-10, then left for higher studies. Then joined another firm in 2012 where they created a new PF account number by default as we were joining straight from college. I have now left this company few days back and my current firm is not contributing to PF(my salary is above 15000).
    Now the old PF account has been inactive from 2008. This new account will also become inactive. What do I do now? Can I withdraw from both accounts? If I do so, what will be the tax implications(Total amount in both accounts is more than 5 lakhs) Or do I wait till I join a new firm and transfer both accounts to that firm?
    Please advise!
    Thanks 🙂

  156. sir, I have Proprietership firm which had 14 old employee & 7 more associated recently on 21.08.2015. i was providing ESI facilities to my old employees. Now i would like to take my PF 21.08.2015 onwards, Plz advise me should i submitted full month PF to all my old employee or all the Employee can be compensate on 21.08.2015 .

  157. niket prajapati

    1. private limited having 35 employees on contract basis having salary more than 15000 but within 20000 per month ,whether the company is liable to get pf number?
    2.is there any circular or any Rule that employee having salary more than 15000 but not more than 20000 ,pf is not applicable to the company?

  158. Hi Team,

    If we want to create PF it can be done, I earn 30,000 per month. PF is not deducted from my company. Can it be riased?
    I wanted to deduct PF for me, so that at the end I can get something. Can you suggest me whether I’m eligible for PF and I can ask HR to deduct. Basic pay comes nearly 18,000.

    1. Nagaraju-Speak with your employer. Because they may deny the EPF for you stating rule of above Rs.15,000 salary (indirectly they may stay away from their own contribution to your EPF).

      1. please send me circular the EPF for you stating rule of above Rs.15,000 salary (indirectly they may stay away from their own contribution to your EPF).

  159. Shailesh Dandin

    Hi Basavaraj!

    I have a question for you, On EPF Withdraw, I worked for MNC company from 2011 may to 2013 Sep and I joined New company and had new PF account with same PAN card number, Before leaving from there I gave the document that I want to withdraw the PF amount, after 2 months or 60 day I supposed to withdraw my amount, but I was not done that, now I am submitting documents for withdraw my PF, what all deductions they will do and I’m worried about my amount they will allow me to withdraw or they will transfer the amount to my new PF account.

    But I wan’t my old PF amount to be withdraw.

    Please assist me on this.

    Thank you!


      1. Shailesh Dandin

        Many Thanks for the update Basavraj!

        Is there any Options that I can withdraw.


        1. Shailesh Dandin

          Hello Again!

          If I can’t the what all form I have to submit to transfer the old account amount to New account.


  160. Hi ,

    I am Bivash. I had worked for a private company since 2 years. Now, due to some personal reason i have to leave my job.What is the procedure to withdraw my EPF balance?? Please help me out.

    1. Bivash-If you no longer in job in future then you can withdraw. However, if want to continue job with new employer then you can’t withdraw. Contact your past employer regarding the EPF withdrawal.

  161. Sir,

    I deducted my pf & esi from 5 months .but now i dont want to deduct my pf without left the job becouse the main problem is i cant serving in this salary ……………..what can i do??

  162. i have worked for a organisation for 10 months they deducting 1013rs from my salary and am deducted fr0m employers pension around 650 is this amount is withdrawable when i go for claim process

  163. hi sir,

    I have a doubt relating to employees who are getting Basic+DA is more than 15,000 but they are accepted for contributing to PF . In that case , how much we can deduct from them and how much employer can contribute to pf on their behalf.

    Tell me for this following example.

    one employee having basic +Da is 17000 .in his case how much we can dedcut and how much employer can contribute?

    i mean 12% has to decut from 17000 or 15000 from employee and 12% by employer from 15000 or 17000?

    above 15000 or 17000 is optional ? if not what it is?


    1. Lokanath-If your question is as an employer then you may restrict your contribution either to 12% of Rs.15,000 or 12% of actual salary. But employee must contribute 12% of salary.

      1. thanks for reply sir…

        it means in the above example , employer has option and employee has to be pay 12% on 17000/-





  165. Hi Sir,

    I have a question, m i download my pf passbook using UAN in thier show a employee contribution and employer contribution and one more sction is pension contribution .so i wanted to ask u pension contribution money i withdraw time to when i left this company.mean employee contribution is 860 and employer contribution is also 860 so please tell me .how much money i withdraw to pf office total 1720 or less ..please reply me on my mail..i highly obliged to you Waiting for your reply.
    Thank you

  166. Hi

    I am a lecturer working in a private unaided college for the past 3 years. My gross salary is 15,300. We have a school attached which has an aided secondary section. The college has 10 employees so Pf does not apply. But the primary unaided section has more than 20 employees. Can our pf deduction be merged with the employees of the primary section?

    One more question is, I got my confirmation letter in July 2015, is there any rule that a confirmed employee must get PF facilty?

    1. Lydia-If the employer is same then it does not matter whether the employees are under primary section or high school section. So all employees fall under EPF. Confirmed employee must be an employee of company or employer which falls under EPF, then only you be considered as eligible for EPF.

  167. Dear Mr. Basu, After getting a foreign posting , I withdrew my full EPF but since January 2001, I am in continuous employment and all EPF has been successfully transfered from first employer to 2nd , 2nd to 3rd and now from 3rd to 4th employer which is present employer. Annual EPF statements recd from employer never shows any thing/amount about EPS? My present Basic + DA is say 50,000/- pm with this 4th emmployer and shall be 58 in 2016. Shall I be eligible for pension under EPS ? what shall be monthly amount ? Do I have to complete some formalities with present employer to get it started ? and what happens if by any chance I get a year or two extension – regular or contractual ?

    I know these are lot of questions but shud be concerning to lot of people, I assume. Hence an elaborate reply would be helpful. Thanks in advance

      1. Dear Mr. Basavaraj, I had posted my question of 17.08. 2015 after reading all that was available on your webpage. But your short cut reply left me in dark only. Thanks any way. Best Rgrds Kalra


  169. Sir,

    Please state after how many months of service , an employee is eligible for EPF deduction ?



  172. Sir,

    My employer is opted for EPF contribution at higher salary. Since joining the PSU during 2005, my salary was more than 6500 and contributed for higher salary till Sept. 2014 (both employee and employer contribution was for more than 6500). Subsequently, after Sept 2014, employer and myself have opted for contribution for higher salary (i.e. more than 15000) with additional payment of 1.16% towards pension to EPFO.

    I would be thanful, if you can clarify (in my case) whether last 12 months average salary will be considered for pension calculation or last 60 months average salary will be considered for pension calculation at the time of retirement. EPFO gazzette notification in this regard is not very clear to me.

    Is it on the prorata basis calculation is done. If so, can you please little eloborate how this prorata calculation is done.

    Thank you very much in advance

    With Kind Regards

      1. Sir, I have seen the link which you indicated. But, the link does not have information on calculation of pension amount after amendment on Sept. 2014.

        60 months average is taken for pension calculation in the amendment from Sept. 2014 (Before Sept. 2014, it was 12 months average salary was considered for pension calculation)

        My employer is opted for EPF contribution at higher salary. Since joining the PSU during 2005, my salary was more than 6500 and contributed for higher salary till Sept. 2014 (both employee and employer contribution was for more than 6500). Subsequently, after Sept 2014, employer and myself have opted for contribution for higher salary (i.e. more than 15000) with additional payment of 1.16% towards pension to EPFO.

        I would be thanful, if you can clarify (in my case) whether last 12 months average salary will be considered for pension calculation or last 60 months average salary will be considered for pension calculation at the time of retirement. EPFO gazzette notification in this regard is not very clear.

        May I request to please clarify.

        Thank you very much in advance

        With Kind Regards

  173. Hi…I have recently joined an organization and In that organization they have a policy of deducting employer PF on 15000 @12%. Since My basic salary is 20000 and I want PF employer contribution to be on 20000 @12% and similar amount as my contribution. Now my employer is ready to have my contribution as 12% of 20000 but not ready to have employer contribution on 20000. The reason given is that while registration of PF account, they choose option to deduct 12% on 15000 hence it can’t be changed now.

    One more point worth noting is that my CTC includes employer contribution as well and I’m ready to have reduced take home salary.

    I want to understand is it true that employer can’t change. If not how to get it modified.


    1. Rajeev-It is mandatory to match 12% of Rs.15,000 from your employer side, but not obligatory to match 12% of Rs.20,000 (in your case). Hence, they are correct. They are showing it in CTC, which is again not an issue.

  174. I have a doubt regarding PF dedication, what is the pf dedication difference between 6500 salary and 50,000 salary?
    please clear this doubt as soon as possible.


  175. Dear Sir,
    Firstly, I Appreciate you for giving precious suggestions for all needy. I have one problem as follows:
    I had joined First company KED Pvt ltd company in 2004 & left it in 2007. I am having my EPF account number of first company. After leaving it KED company owner had not cooperated in any way to transfer or withdrawal of EPF money. From help of my next company I had tried to contact KED but it was not fruitful. Now I am in third company, I had withdrawn EPF money from second company EPF account.
    Now, my EPF money from first company KED is yet with KED company owner, How can I get Them? pl advise.

  176. Hi Mr. Basavraj-ji,
    Read your given information & went through FAQ’s really felt v.happy.
    If my salary is negotiated at 23K, company is ready to give EPF facility. My Question is :
    1- Basic is decided by employer or it is some percentage from whole package ? & So is the same for TA,DA & HRA?
    2- How we will come to know how much Company is contributing…
    Please reply ASAP…


    Sameer Khan

      1. Thanks a lot for giving precious time & replying so FAST… :-)…


        Sameer Khan

  177. Hello,

    Its complicated question.

    I have worked for private company for 10 years, but they have only paid pf for 5 years till now, though they have deducted from salary but not deposited.

    My question is

    1) can I withdraw whatever amount is there in pf account.

    2) if I withdraw pf account will be closed? My point of asking is after I withdraw pf and later on company deposits pending amount will I be able to get that amount?

    3) will I be taxed ? Though my continuous service is 10 years but pf is only for 5 years and I have read is that pf less than 5 years is taxed.

    Please do reply.



  178. Thanks for suggestion..so can you please tell me what would be the forms or let say formality would be there???

    1. Dear Sir,

      My Current salary is 15000/- My Employer is deducting PF in Two parts 1315/-+1315/- both the contribution from salary and told me being in a contractual job this is how the deductions happen , please suggest me is the deduction correct ???

      And Sir 1315/- is being calculated on my Basic Salary and DA Total Being 10955/-
      Please also let me know what amount exactly be deducted from my salary so that i can claim it from my employer as they are keeping a grey side of them self.

      Thanks In Advance


      1. Pranshu-There is no such rule on this earth that for contractual employer contribution be from his salary. They just not ready to contribute from their end. It should be 12% of your Basic+DA.

  179. Praveen shukla

    Dear Sir
    i want to know if an employees basic+DA is 12000 at the joining time and we are deducting his epf but if Basic+DA is grater then 15000 of same employee then can we close his pf Deduction or employee is in same job ?

  180. I have joined new company recently. In previous company I had worked for 5 months. So can I withdraw my PF from that company? OR is it possible to transfer that PF account to my new company?

  181. Hello Sir,
    My Gross Salary is Rs 20,000 and my basic pay is 4500. Previously I was paying 540 my employee share and 540 was being deducted from my salary. Now from this month the deduction has been increased to 3600(12% of 15000+12% of 15000) and in hand is reduced to 16400/-.
    Is the deduction right according to the new rules ??
    If right then why should i also contribute another 12%?

      1. dear sir,

        I have a question,

        recently i joined this organisation, when i get my first salary, and when i saw my salary slip i found company deduct 1800 rs for my pf on gross salary. and it means they deduct my pf Rs 21600 for annual. but what company is doing they also deduct 1800 rs from my fixed salary. means they deduct every month 1800, they already deduct it from my gross salary. it means they deduct 3600 rs for my PF every Month. is any rule in india, someone deduct two time PF on same salary.

        Kindly suggest me what can i do?

  182. sir im running a school in tamilnadu but last 4 years I have more then 30 employee. this year i registerd school with epfo, but my employee almost all new. my question is whether i have to pay pf those who left and gone. or only present . pls, explain. or give contact number so that i can contact you thanking you

  183. hai, this is shehnaz n my salary is 24900 and so my basic comes to Rs.14940. i m working in an private educational institution my employer is deducting 25% as pf deduction as organisations contribution also taken frm employee.
    ls there any form or any way by which I can get exemption frm this deduction.

  184. Hi,

    My PF claim has been rejected with reason “Resubmit claim along with 15G in 2 sets & in original,contribution for april & may 2015 not receive”. what i have to do?

  185. Hello Sir,

    My Basic salary is 20,000 and my contribution to EPF is 2400 per month. My employer contribution towards PF is 1150 and towards EPS is 1250. Please suggest me how can I reduce my contribution towards EPS?

    1. Adding to the above information, I have been working for the past 3 years and my UAN was generated last year itself.

    2. maximum PF deduction from salary is Rs. 1800/- (i.e. 12% 15000/- ceiling ), and employer contribution towards EPF is 8.33% of 15000/- i.e. 1250 & EPS is 3.67% i.e. 550/-


  186. My salary is 15,000 and i dont want PF deduction, Please guide me for cancellation of this scheme. What can i further do in this.

  187. Dear Sir,

    I am not a member of PF in my earlier companies because they are small scale, i am joining new company. New company deducting PF of all their employees. My new basic salary will be above 15000/- per month, I am not interested for deduction of PF, company person initially agreed. It is possible to them to keep me away from PF deduction, it is as per law. Also share name of related document required from my side.


  188. I have been working with few facility management companies since last many years where I often interface with companies(Clients) who hires Contract labour (Housekeeping and security guard) services from vendors without ESI and PF and in some cases only ESI but no PF. But your post says its mandatory for less than 15000/- salary.
    Kindly clarify.

  189. Dear Sir,

    if i don`t inform about my PF account to my new employer and they open a new account then it is possible that they get information about previous one.

  190. from 01.09.214 if basic pay + D.A = above Rs.15,000/- Employers contribution is restricted to 12% or not eligible for employers contribution please explain.

      1. Sir

        Please explain if the salary more than 15000 than PF deduct or not. If salary 25000 P.M than how much PF should be decuted on it

  191. Mallikarjun Balasaheb Biradar

    I am performing the duties in Sugar Industries for the period from 21 Nov 2004 to till date. I am now completing 58 years age on 21 Aug 15. Please intimate the following :-

    (a) Whether I am entitlement for pension and amount per month.
    (b) Whether I continue to contribution towards EPF or otherwise.
    (c) I wish to perform my duties another 4 years.

    In this regards your co-operation will be highly obliged.

    Thanking You sir

  192. d.s. mangrole

    I am working in a pvt school. there are total employee is 15. what do I get pf rights there?

  193. Is it a mandatory for the employer to contribute 12% to EPF? Because some companies I knew, contribute less than 12% where as employee contribute to 12% of Basic

  194. Dear Sir,

    I have one friend. He is director of one Company. He was 73 years old. He is a director. Hence he was not retired still working and pay the provident fund regularly. As per PF act says after 58 years the employee and employer contribution go to Employees account directly. What i am asking means what about the pension package amount because he is not retired, not received the pension certificate, after 58 years to still day he is working. then before 58 years to deduct the pension amount to return it or any other way, details please. Thanking You.

      1. Sir,
        My basic is 30,000 and my company is saying iam eligible to have an PF account since iam crossing the 15,000 mark…
        we were not paid PF for last 2 years since our total count of people was less.

        pls tell me whether iam eligible or not??


    1. Hello,
      Please throw some light on this. I withdrew my 4yrs of PF recently. If I check member passbook in UAN account, amount under Employee & Employer contribution is credited in my bank a/c (after deducting 10% tax!). However I am wondering what happened to ‘pension contribution’ which amounts to around Rs30000?


  195. Hi Basavaraj,

    I require a clarification on PF deduction. As per my knowledge in PF deduction 50% each has to be paid by Employee and Employer. Currently, in my company the situation is like 100% is deducted from employee salary.

    And the employer is claiming the Tax benefits for the 50% PF deducted from my CTC.

    If you can refer me to a article or link where I can understand this in a better way.


  196. Sir, I am working in a company from past 16 months. They are started to deduct the PF amount from Sep-2014. At the time my CTC is 12000 /- they are deducted 810/- for PF.
    But my question is, this July -2015, I got an increment of 14091(CTC), but they are deducting 2 times for PF, so that I got 11500/- as a take home…… Is that correct????? Please reply me.

  197. Sir,

    I have a question,

    My husband works for one IT Company, for management purpose they split the company into two entities and there they opened one new PF account so in his old company he has two PF acconts. (At that time UA N was not issued)

    Now after some time he joined a new company, later that company was acquired by another company so now he is unsure whether they will continue the same account or will they open one more (When he joined the new company they have issued UAN)

    So my question is ….can we transer all the money into one single account? if so what steps we need to fallow?



      1. Sir,

        i worked in one company for only 2 months, and there were deduction for PF, can i apply to get the PF money? Am i eligible to get pf money for 2 months?

          1. i quit my job, i’m no longer work there,..i will not continue.. so am i eligible to get 2 months PF money?i just want to know YES or NO.

  198. V.Ravindra Prasad

    sir, in our organization one contractor is there , the contractor paid the pf contributions regularly. On time verified he was not paid two months payments, in that he shown nil work. and paid only admn. charges . But the Management paid the that period bill also. now he is ready to pay the amount and our management very serious about that issue. and issued orders to me , regularize immediately and show me the challans. how sir, please advise in this regard. Basavaraj garu.

    Ravindra Prasad

  199. Sir,

    Can you suggest me, my current company is giving me pf on Rs. 10000 also same amount show in books. But now told us put our original salary in books approx 20000 then no deducting PF. and no give any employer contribution me.

    kindly confirm this is correct for me??? Also please advise me new pf rule.

    thank your help in advance

  200. Sir,
    i am facing a problem that i have just join a new company 3 month ago, and my precious employer put my name on roll 1 month before the resigning that was not in my knowledge that time.

    so the problem is i didn`t give my pf information to the new employer by mistake because i also did not know about that, so it is possible that new employer get my PF information from PF Department.

    Please help

      1. actuall sir i m scare because at the time of joining i said them that i m not on roll and i don`t have PF account.

        so please help me and advice what i can do

  201. Dear Sir,

    My current salary is 14180.00 in hand per/month, and my basic is 6500.00., my PF contribution per month is 780.00.

    I want to know that this is as per the government rule or not, if yes, then ok, but if not than what i will do.


  202. I am a contract based Employee serving as a consultant in department of Agriculture, Karnataka. From the date of Joining i am getting Salary more than 15000/- per month is EPF is compulsory for me pl . Give Feed Back.

  203. kiran kumar b

    sir, i have allready job person but some person problem 3 months no work in organization present rejoining the company the same pf number continued but organization new pf number allotted . please answer this question sir.

  204. Hi sir,
    My current company not provide pf . my pkg in 3.2 .now i am moving company .is their is any problem for me for pf. my company strength in below 20 ..plz replay as early as possible sir

  205. In Karnataka if the starting gross salary is 9800 and basic is 4900 what is the calculation for PF? I hear that Minimum calculation has to be on 8000 salary even if Basic component is 4900. salary brekaup is Basic – 4900, HRA = 1960, other allowances = 2940. Please confirm the PF deduction and Employer contribution. It’s a recruitment company.

      1. I wanted to understand the minimum PF contribution that emplyee and employer have to do incase gross is as defined in my previous post

          1. It is not clear to me. Please confirm the amount

            4900*.12 = Rs 588


            8000*.12 = Rs 960

  206. Hi I want to ask that Can i contribute more than 12% amount in EPF?
    Suppose my deduction is around 1500.00 and I want to deduct around 5000.00, Is it Possible?

  207. Ajay Kumar Singh

    Hi there,

    My Company is starting PF deduction from june-2015, And they are deducting the PF for three months since April.

    Is there any Rule that it must be deducted from April?

  208. My company is paying total salary as basic salary if it is below or above Rs 15000/- if any excess they bifurcated the remaining amount. company can do say such thing????

    please reply the same

  209. I joined a company in India on 01.05.2012 and deductions was being made on my basic salary as per rule. I left the company and joined in UAE in Dec 2014 after working for 2years and 8 months and applied for withdrawl of PF on 12.03.2015, my ex company sent me a email As I have not completed 5 Years of working with the organisation they shall deduct TDS @ highest slab i.e. 30%, which comes out to be 1.25Lakh for 2.75 years duration.
    My Quarries are.
    1 I understand this rule came into force from 01.06.2015 as per the new rule presented by our finance minister in Feb 2015 budget. Hence this shall not be applicable to me.
    2 As per rule if I give them my PAN details my ex company shall deduct only 10% TDS, why they are deducting @30%
    3 As I applied before 01.06.2015 i.e. 12.03.2015 for PF Withdrawl and my company have not paid the same to me till date so any new changes in rule I shall not be punished.
    4 Lastly as I am working overseas and a NRI now can I save this extra TDS if yes How.

      1. Same case here but not working abroad working in India, Now employer asking for FORM 15G from me which I cant give as I am TAx payer. please suggest,how to approach with PF department.

  210. Is withdrawal of PF is not allowed if one is working, or its allowable with TDS. Means is it mandatory to transfer PF and not withdraw if someone is working, or it can be withdrawn but with TDS.

  211. Chetan Dhacholia


    I have joined a new company 2 weeks back(more than 3000 employees) and their EPF rule is as per below:-.

    During joining process, they informed that EPF rule is changed and the company has the below option:-

    1) Employer contribution will be Rs 1800/- (12% of Rs 15000). It cannot be changed unless i reach certain grade.
    2) Employee contribution also Rs 1800/- (12% of Rs 15000), but if employee wants to contribute 12%, he/she needs to email, which i have done already and it will be called as Voluntary PF.

    Now my question is 1) is their interpretation of the changes incorrect? Because i dont think the employer can limit their PF contribution to 12% of Rs 15000/-

    2) Can they at front limit the employee contribution to the same amount and give an option?

    My basic is above Rs 40000/-.

    I think their interpretation is incorrect. If so, can you point me to the correct sections so that i can take up this matter with the payroll/HR team.

    Please let me know in case you require more information to respond to my query


    Chetan Dhacholia

    1. Chetan-1) They can restrict to Rs.15,000 or more. It is purely left with them. 2) It is purely based on what they are offering you. But they can’t stay away from contributing 12% of Rs.15,000.

      1. Chetan Dhacholia

        Thanks Basavaraj for the reply. That makes sense. Hence my interpretation was incorrect. Appreciate your insight on my query.

  212. i had worked with EXL services pvt ltd for 5 months.after that i resigned from there and joined in another company.Exl services pvt ltd deducted pf from my salary and provide me with an pf number.but i cant trace that number in the pf website.so could you please advise whether am eligible for withdrawal or not.

    if eligible,how ?

  213. Hello,

    why Pension Contribution is not transferred from old account to new account. Please brief me.
    Now , I have been link my UAN no. to new company then pension amount will transfer or not.

  214. Hi,

    I have withdrawn my PF in this financial year. I have came across the following info in our office mail. But i could not get the clear picture of it. Can u please explain me. Here is the info.

    1. Income Tax shall be deducted at source (TDS) at the time of withdrawal of the PF amount under following conditions :
    • If the amount is withdrawn before 5 years of service
    • The withdrawal amount is equal to or more than Rs. 30,000/-
    • If PAN submitted – TDS will be deducted @ 10%
    • If PAN is not submitted – TDS will be deducted @ the maximum marginal rate i.e. 34.608%

  215. Hi Basavaraj, I have a query on EPF. My EPF is inactive since Feb 2015. There is no contribution to it now(I left india job and moved to US). I read in your comments I can keep EPF account active for 3 years with interest.? is this still holds correct? is there any change in rule?

    My understanding is that even if no contribution from either side still I will get interest for 3 years. After 3 years only account will become inactive and there will be no interest paid after that.

    am I correct? Please clarify.

  216. Hi,
    My husband applied for his PF withdrawal in the month of December 2014 while switching his job,At that time he did not have his UAN.
    It’s been six months now, we did not get the amount. We tried checking the status of withdrawal through online, it says no record found.
    How can we track now?? Ur suggestions are highly appreciated.