{"id":42444,"date":"2025-08-04T08:57:27","date_gmt":"2025-08-04T08:57:27","guid":{"rendered":"https:\/\/www.newsbeep.com\/au\/42444\/"},"modified":"2025-08-04T08:57:27","modified_gmt":"2025-08-04T08:57:27","slug":"epfo-employer-contribution-unveiled-7-must-know-facts-that-could-change-your-pf-game-news","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/au\/42444\/","title":{"rendered":"EPFO Employer Contribution Unveiled: 7 Must-Know Facts That Could Change Your PF Game | News"},"content":{"rendered":"

photoDetailsenglish2940698<\/p>\n

The Employees\u2019 Provident Fund Organisation (EPFO) mandates companies with 20+ employees to contribute to the Provident Fund (PF) scheme for workers\u2019 retirement benefits. Both employee and employer contribute 12 percent of the employee\u2019s basic salary monthly. While the employee\u2019s full 12 percent goes to their PF account, the employer\u2019s 12 percent is split\u20148.33 percent towards the Employees\u2019 Pension Scheme (EPS) and 3.67 percent into the Provident Fund. This split often makes the employer\u2019s PF contribution appear less than the employee\u2019s. Employees can check these contributions, including the breakdown, in their EPFO member passbook for clarity and tracking.<\/p>\n

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https:\/\/zeenews.india.com\/photos\/business\/epfo-employer-contribution-unveiled-7-must-know-facts-that-could-change-your-pf-game-2940722Updated:Aug 03, 2025, 11:15 AM IST<\/p>\n

Who Needs to Enroll in EPF?<\/p>\n

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\"Who<\/p>\n

All companies with 20 or more employees must register for the Employees\u2019 Provident Fund (EPF) scheme as mandated by the EPFO. This helps workers build retirement savings.<\/p>\n

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How Is the Contribution Calculated?<\/p>\n

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Both the employee and employer contribute 12 percent each of the employee\u2019s basic salary to EPF every month.<\/p>\n

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Employee\u2019s Contribution Breakdown<\/p>\n

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\"Employee\u2019s<\/p>\n

The entire 12 percent from the employee\u2019s basic salary goes into their own EPF account. This full amount earns annual interest and grows over time.<\/p>\n

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Understanding Employer\u2019s Contribution<\/p>\n

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\"Understanding<\/p>\n

Although the employer also contributes 12 percent, it is not contributed entirely to the employee\u2019s EPF account. The employer\u2019s contribution gets split into different EPF-linked schemes.<\/p>\n

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Employer\u2019s Contribution Split<\/p>\n

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\"Employer\u2019s<\/p>\n

Of the employer\u2019s 12 percent:<\/p>\n

8.33 percent goes to the Employees\u2019 Pension Scheme (EPS)<\/p>\n

3.67 percent goes to the Employees\u2019 Provident Fund (EPF)<\/p>\n

Why Employer\u2019s PF Contribution Appears Less Than Employee\u2019s<\/p>\n

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\"Why<\/p>\n

For example, if you contribute Rs 2,000 monthly to your EPF, the employer contributes Rs 2,000 as well, but only Rs 611 (3.67 percent) goes to your EPF account. The rest goes to the pension scheme (EPS).<\/p>\n

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How to Check Your Contributions<\/p>\n

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\"How<\/p>\n

You can view detailed contributions made by both you and your employer in your EPFO member passbook. This shows the split and helps track your retirement benefits.<\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"photoDetailsenglish2940698 The Employees\u2019 Provident Fund Organisation (EPFO) mandates companies with 20+ employees to contribute to the Provident Fund…\n","protected":false},"author":2,"featured_media":42445,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[64,63,99,37266,186,1794,184,185,37267],"class_list":["post-42444","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-au","tag-australia","tag-business","tag-epfo","tag-finance","tag-pension","tag-personal-finance","tag-personalfinance","tag-pf"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/42444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/comments?post=42444"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/posts\/42444\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media\/42445"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/media?parent=42444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/categories?post=42444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/au\/wp-json\/wp\/v2\/tags?post=42444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}