PF Contribution Calculator
Employee and employer PF contribution — impact on take-home.
Compute Employees' Provident Fund (EPF), Employees' Pension Scheme (EPS) and Employees' Deposit Linked Insurance (EDLI) contributions for both employee and employer.
PF Contributions (Monthly)
Wages for PF₹ 0
Employee EPF (12%)₹ 0
Employer EPS (8.33%, max Rs 1,250)₹ 0
Employer EPF (3.67%)₹ 0
EDLI (0.50%, max Rs 75)₹ 0
EPF Admin (0.50%, min Rs 500)₹ 0
Total Monthly Outgo (Employer)₹ 0
EPF interest rate: 8.25% p.a. for FY 2025-26 (EPFO notified). Credited annually, calculated monthly on running balance.
Key PF rules:
- Coverage threshold: Mandatory if establishment has 20 or more employees.
- Wage ceiling: Rs 15,000/month for EPS purposes (Supreme Court has ordered government to review by July 2026; likely revision to Rs 21,000 or Rs 25,000).
- Contribution rate: 12% by employee + 12% by employer (split: 8.33% EPS, max Rs 1,250 + 3.67% EPF).
- Excess employer contribution: When salary > Rs 15,000, employer's 8.33% EPS is capped at Rs 1,250; balance goes to EPF.
- EDLI: 0.50% of wages (capped at Rs 75/month) for life insurance benefit; max benefit Rs 7 lakh.
- Deposit deadline: 15th of following month via ECR (Electronic Challan cum Return).
- Withdrawal: Permitted on retirement, after 2 months of unemployment, for housing, marriage, medical emergency (subject to conditions).
Important note: This tool provides an indicative output only. It does not factor in every special provision, surcharge, exception, or recent notification. Verify with the firm before acting on any computation.
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