Question 1

How much PF is deducted from salary?

Accepted Answer

The employee contributes 12% of Basic + DA to EPF. The employer also contributes 12%, of which 8.33% (capped at ₹15,000 wages, i.e. up to ₹1,250) goes to the Employees' Pension Scheme (EPS) and the remaining 3.67% goes to EPF.

Question 2

What is the PF wage ceiling?

Accepted Answer

The statutory PF wage ceiling is ₹15,000 per month. Contributions are mandatory up to this limit; many employers contribute on actual Basic + DA, which you can choose in the calculator.

Question 3

Can I withdraw my PF?

Accepted Answer

Yes. The full PF balance can be withdrawn at retirement, or after two months of unemployment. Partial advances are allowed for specific needs such as housing, medical treatment, marriage and education.