Employee Provident Fund

The Employee Provident Fund (EPF) is governed by the Employee Provident Funds and Miscellaneous Provisions Act, 1952, and managed by the Employees’ Provident Fund Organization (EPFO). It is a mandatory savings scheme where both employers and employees contribute towards a retirement fund.

EPF is a social security scheme where:

Employees contribute 12% of their basic salary towards the provident fund.
Employers match the contribution (12%), of which:
- 8.33% goes to the Employee Pension Scheme (EPS).
- 3.67% goes to the Employee Provident Fund (EPF).

Applicability of EPF

EPF applies to:

Organizations with 20 or more employees.
Employers in specific sectors notified by the government.

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Our Process for EPF Registration

Fill the form & get started

Fill the basic form to get started

Discussion with the experts

The expert will call you to understand the necessary requirement.

Draft & Docs Preparation:

all necessary docs like KYC, DSC (provided by client) and others

Department formalities

with all necessary doc’s expert will apply for the certificate DGFT portal.

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EPF Registration

Proof of incorporation (Certificate of Registration/Incorporation under various laws).
Address proof of the establishment (utility bill, lease agreement).
Bank details of the company.
ID and address proof of the owner/director (Aadhar, PAN, Passport, etc.).
Filing EPF Returns: Employers are required to file EPF returns monthly and annually.
Monthly Returns: Due Date: 15th of the following month.
Annual Returns: Due Date: April 30th of the following financial year.

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*Taxes extra

Documents Required for EPF Registration

PAN Card of the organization.
Proof of incorporation (Certificate of Registration/Incorporation under various laws).
Address proof of the establishment (utility bill, lease agreement).
Bank details of the company.
ID and address proof of the owner/director (Aadhar, PAN, Passport, etc.).
Employee details (name, salary, and designation).

Benefits of EPF

Retirement Security: Accumulated savings with interest.
Tax Exemption: Contributions, interest, and withdrawals (under certain conditions) are tax-free.
Partial Withdrawals: Allowed for education, medical emergencies, or marriage.
Insurance Coverage: Additional life insurance under the EDLI (Employees’ Deposit Linked Insurance) scheme.

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FAQ's

1. Who is eligible for EPF?

Any salaried employee earning below ₹15,000 per month must register for EPF.

2. Can an employee withdraw EPF contributions before retirement?

Yes, partial withdrawals are allowed for specific reasons like marriage, education, or medical emergencies.

3. What is the interest rate for EPF?

The interest rate is decided annually by the government (currently around 8-9%).

4. Is EPF mandatory?

Yes, for organizations with 20+ employees.

5. How can employees check their EPF balance?

Through the UMANG app, EPFO portal, or by sending an SMS.

Employee Provident Fund