{"id":1980,"date":"2025-10-15T09:32:25","date_gmt":"2025-10-15T09:32:25","guid":{"rendered":"https:\/\/jumpp.finance\/blog\/?p=1980"},"modified":"2025-10-15T09:32:26","modified_gmt":"2025-10-15T09:32:26","slug":"what-is-pf-in-salary","status":"publish","type":"post","link":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/","title":{"rendered":"What is PF in Salary? Types, Contributions, and Eligibility"},"content":{"rendered":"<div class='main-article-wrapper'>\n<p class=\"wp-block-paragraph\">You\u2019ve been working for years, spending, and saving a little. Your company deducts PF too. Have you ever taken a moment to realise what PF deduction from your salary means? It actually refers to the monthly deduction from an employee&#8217;s basic salary plus dearness allowance (DA) towards their Provident Fund account, along with an equal contribution by the employer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PF is a disciplined way to save for retirement, enjoy tax benefits, and secure financial stability for the long term.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s dive into what PF is, its types, benefits, eligibility, deductions, and how it is calculated in the salary structure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_PF_in_Salary\"><\/span>What is PF in Salary?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">PF full form is <strong>Provident Fund<\/strong>. It is a mandatory retirement savings scheme for salaried employees that ensures a lump sum corpus at the time of retirement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both the employee and the employer <strong>contribute 12%<\/strong> each of the employee\u2019s basic salary plus dearness allowance every month. Out of the <strong>employer\u2019s 12%<\/strong> share, <strong>8.33%<\/strong> goes into the <strong>Employees\u2019 Pension Scheme (EPS)<\/strong> and the balance is credited to the employee\u2019s Provident Fund account.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PF Deduction Percentage &amp; PF Percentage in Salary<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Employee contribution:<\/strong> 12% of basic + DA.<\/li>\n\n\n\n<li><strong>Employer contribution:<\/strong> 12% of basic + DA (8.33% goes to Employee Pension Scheme; remaining to EPF).<\/li>\n\n\n\n<li>Wage ceiling of <strong>\u20b915,000<\/strong> applies; contributions above this limit follow the ceiling.<\/li>\n\n\n\n<li>Sometimes temporary reductions occur (e.g., from 12% to 10%) as per government notifications.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>PF is calculated on your basic pay plus DA\u2014find out what \u201c<a href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-basic-salary\/\" target=\"_blank\" rel=\"noreferrer noopener\">basic pay<\/a>\u201d really means in your salary.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PF\/ EPF Eligibility 2025<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You must work in an organisation with <strong>20+ employees<\/strong>.<\/li>\n\n\n\n<li>Your basic salary + DA should be <strong>\u20b915,000 or more<\/strong> per month.<\/li>\n\n\n\n<li>Your age should be <strong>18\u201354 years<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Your enrollment is automatic if the criteria are met. PF Calculation Example<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PF Calculation Example<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Suppose an employee\u2019s basic + DA = \u20b925,000:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Employee contributes: 12% \u00d7 25,000 = \u20b93,000<\/li>\n\n\n\n<li>Employer contributes: 12% \u00d7 25,000 = \u20b93,000 (\u20b91,250 to pension, \u20b91,750 to PF)<\/li>\n\n\n\n<li>Total monthly PF addition = \u20b93,000 (employee) + \u20b91,750 (employer) = \u20b94,750<\/li>\n\n\n\n<li>Interest accrues yearly (around 8.15%) on the cumulative balance.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_Types_of_PFs_in_India\"><\/span>What are the Types of PFs in India<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In India, the term Provident Fund (PF) is not limited to one scheme. It is an umbrella that covers several government-backed, long-term savings plans, each created for a specific group of people.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While the Employees&#8217; Provident Fund (EPF) is the most widely known among salaried individuals, there are other forms like Public Provident Fund (PPF), General Provident Fund (GPF), and Voluntary Provident Fund (VPF).&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Employees&#8217; Provident Fund (EPF)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It is a mandatory scheme for employees in organisations with 20 or more staff. Both the employer and the employee contribute 12% of the basic salary + dearness allowance.<br>EPF is managed by the Employees\u2019 Provident Fund Organisation (EPFO).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Public Provident Fund (PPF)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It is open to every resident Indian, salaried or self-employed. You need to make contributions of a minimum of \u20b9500 and a maximum \u20b91.5 lakh annually. Payments can be lump sum or in instalments.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It has a 15-year lock-in, extendable in 5-year blocks. It enjoys full EEE tax status.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. General Provident Fund (GPF)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is exclusively for central and state government staff. The contribution amount ranges from 6% to 100% of basic salary. It is paid out on retirement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Employees who joined the government service after 1 January 2004 are under NPS, not GPF.<\/em><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Voluntary Provident Fund (VPF)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is an extension of EPF for those who wish to save more. An employee can add up to 100% of their basic salary + DA. Employer does not contribute.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Other Types of PF in salary<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recognised Provident Fund (RPF):<\/strong> Approved by the Income Tax Commissioner, usually in private organisations with 20+ employees.<\/li>\n\n\n\n<li><strong>Statutory Provident Fund (SPF):<\/strong> For government institutions, universities, and educational organisations under the Provident Funds Act, 1925.<\/li>\n\n\n\n<li><strong>Special PF Schemes:<\/strong> Certain industries like coal mining and shipping have their own provident fund frameworks.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Which PF type is deducted from a salary?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a salaried employee, the most common deduction is the Employees&#8217; Provident Fund (EPF), which includes both the employee&#8217;s mandatory contribution and a portion of the employer&#8217;s share.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If an employee opts to increase their contribution voluntarily, it is recorded under the Voluntary Provident Fund (VPF), and this additional amount is also deducted directly from their salary.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_Advantages_of_PF_EPF_in_Salary\"><\/span>What are the Advantages of PF (EPF) in Salary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Guaranteed Employer Contribution<\/strong> \u2013 Employers match the employee\u2019s contribution (12% of basic salary + DA), effectively doubling savings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Long-Term Savings with Strong Returns<\/strong> \u2013 Government-backed, with competitive interest rates and the power of compounding, EPF builds a sizable retirement fund.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Comprehensive Tax Benefits<\/strong> \u2013 It falls under the EEE category. Herein, the contributions are deductible under Section 80C, and the interest, as well as withdrawals, remain tax-free (after 5 years of service).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Pension and Insurance Cover<\/strong> \u2013 This is the part of the employer\u2019s contribution funds, EPS (lifelong pension) and EDLI (<strong>life insurance<\/strong>), adding extra layers of security.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Emergency Support<\/strong> \u2013 Partial withdrawals allowed for medical needs, home purchase, or marriage; unemployment withdrawals permitted up to the full balance.<\/p>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_the_Disadvantages_of_PF_EPF_in_Salary\"><\/span>What are the Disadvantages of PF (EPF) in Salary<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Limited Liquidity<\/strong> \u2013 Funds are locked for retirement with strict withdrawal rules and penalties for premature use.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Restricted Investment Choice<\/strong> \u2013 Conservative allocations mean lower returns compared to equities or other high-growth options.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Reduced Take-Home Pay<\/strong> \u2013 A mandatory 12% monthly deduction lowers disposable income. Some employees, especially younger ones, may perceive this as a burden.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Taxation on High Contributions<\/strong> \u2013 Contributions above \u20b92.5 lakh a year attract taxable interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Employer Dependency<\/strong> \u2013 Smooth handling of PF depends on timely deposits and accurate paperwork by employers, leaving room for delays or errors.<br><br><strong>Thinking beyond PF?<\/strong> Discover how to grow your wealth smarter \u2014 explore our detailed guide on <strong><a href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/bonds-vs-stocks\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bonds vs Stocks<\/a><\/strong>: <strong>Which is Better for You?<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\"><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Difference_Between_EPF_and_PPF\"><\/span>What is the Difference Between EPF and PPF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">On the surface, both are long-term, government-backed savings schemes that encourage discipline and promise safe returns. But in reality, they serve very different audiences and have very different rules.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you are salaried, your EPF is tied to your job and your employer. If you are self-employed or simply want to build a safe savings cushion, PPF is where you look.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comparison of EPF vs PPF<\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Employees&#8217; Provident Fund (EPF)<\/strong><\/td><td><strong>Public Provident Fund (PPF)<\/strong><\/td><\/tr><tr><td><strong>Eligibility<\/strong><\/td><td>Mandatory for salaried employees in organisations with 20+ staff.&nbsp;<br>Automatic for those earning up to \u20b915,000\/month basic + DA. Voluntary above this with employer consent.<\/td><td>Open to all resident Indian citizens\u2014salaried, self-employed, and even retired individuals. NRIs and HUFs cannot open new accounts.<\/td><\/tr><tr><td><strong>Contributions<\/strong><\/td><td>Employee contributes 12% of basic + DA. Employer matches this, with 8.33% diverted to the Employee Pension Scheme (EPS).<\/td><td>Voluntary contributions only. Minimum \u20b9500\/year, maximum \u20b91.5 lakh\/year.<\/td><\/tr><tr><td><strong>Interest Rate<\/strong><\/td><td>8.25%.<\/td><td>7.1%.<\/td><\/tr><tr><td><strong>Lock-in Period<\/strong><\/td><td>Linked to employment. Transferable between employers.<\/td><td>15-year lock-in, extendable in 5-year blocks.<\/td><\/tr><tr><td><strong>Withdrawals<\/strong><\/td><td>Partial allowed for medical, unemployment, marriage, etc. Full withdrawal at retirement.&nbsp;<br>Withdrawals before 5 years are taxable.<\/td><td>Partial allowance from the 7th year, within limits.&nbsp;<br>Full withdrawal only at maturity (15 years).<\/td><\/tr><tr><td><strong>Managed By<\/strong><\/td><td>Employees\u2019 Provident Fund Organisation (EPFO).<\/td><td>Government of India directly.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><br><strong>Pre-approved loans up to \u20b951,000, collateral-free and ready in just a few clicks\u2014get started today with the <a href=\"https:\/\/jumpp.finance\/loan\" target=\"_blank\" rel=\"noreferrer noopener\">best personal loan app<\/a>!<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The employer\u2019s matching contribution, government-backed interest, tax exemptions, pension support, and even life insurance coverage make PF one of the most valuable parts of a salaried employee\u2019s compensation package.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"PF_in_Salary_Percentage-_FAQs\"><\/span>PF in Salary Percentage- FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1760503434632\"><strong class=\"schema-faq-question\"><strong>How is PF calculated in salary?<\/strong><\/strong> <p class=\"schema-faq-answer\">EPF is usually 12% of your basic salary plus dearness allowance, with a matching employer contribution split between EPF and EPS.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760503436081\"><strong class=\"schema-faq-question\"><strong>How much PF is deducted from a \u20b935,000 salary?<\/strong><\/strong> <p class=\"schema-faq-answer\">On a full basic+DA of \u20b935,000, the employee contribution at 12% is \u20b94,200 per month. Employer contributions may differ due to EPS caps.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760503436653\"><strong class=\"schema-faq-question\"><strong>How much PF for a \u20b960,000 salary?<\/strong><\/strong> <p class=\"schema-faq-answer\">Employee PF at 12% of basic+DA would be \u20b97,200, though employer contributions are often limited by statutory ceilings and company policies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760503437362\"><strong class=\"schema-faq-question\"><strong>What is the PF limit, \u20b915,000 or \u20b921,000?<\/strong><\/strong> <p class=\"schema-faq-answer\">Currently, the statutory wage ceiling is \u20b915,000 per month, but proposals for an increase to \u20b921,000 are under consideration and awaiting official notification.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760503437928\"><strong class=\"schema-faq-question\"><strong>Why is my PF only \u20b91,800?<\/strong><\/strong> <p class=\"schema-faq-answer\">Payrolls often cap employee contributions to 12% of \u20b915,000, the statutory wage ceiling. Even if your basic is higher, the deduction shows \u20b91,800 unless you opt for Voluntary PF (VPF).<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760503438534\"><strong class=\"schema-faq-question\"><strong>Can I withdraw 100% PF amount?<\/strong><\/strong> <p class=\"schema-faq-answer\">Full EPF withdrawal is allowed after leaving employment, subject to waiting periods. EPS has separate pension rules. Partial advances are allowed for emergencies or specific needs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1760503512061\"><strong class=\"schema-faq-question\"><strong>What is the basic salary?<\/strong><\/strong> <p class=\"schema-faq-answer\">For EPF, the contribution base is basic salary plus dearness allowance (and retaining allowance where applicable). Most other allowances are excluded.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Source<\/strong>&#8211; <a href=\"https:\/\/www.epfindia.gov.in\/site_en\/AboutEPFO.php#:~:text=The%20Board%20operates%20three%20schemes,a%20deceased%20member:%20Form%2020\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">epfindia.gov.in<\/a><br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<\/div><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#What_is_PF_in_Salary\" >What is PF in Salary?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#What_are_the_Types_of_PFs_in_India\" >What are the Types of PFs in India<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#What_are_the_Advantages_of_PF_EPF_in_Salary\" >What are the Advantages of PF (EPF) in Salary<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#What_are_the_Disadvantages_of_PF_EPF_in_Salary\" >What are the Disadvantages of PF (EPF) in Salary<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#What_is_the_Difference_Between_EPF_and_PPF\" >What is the Difference Between EPF and PPF<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#PF_in_Salary_Percentage-_FAQs\" >PF in Salary Percentage- FAQs<\/a><\/li><\/ul><\/nav><\/div>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019ve been working for years, spending, and saving a little. Your company deducts PF too. Have you ever taken a moment to realise what PF deduction from your salary means? It actually refers to the monthly deduction from an employee&#8217;s basic salary plus dearness allowance (DA) towards their Provident Fund account, along with an equal &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What is PF in Salary? Types, Contributions, and Eligibility&#8221;<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":1984,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[39],"tags":[879,880,881,884,882,876,883,878,875,877],"class_list":["post-1980","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-wellness","tag-advantages-of-pf","tag-difference-between-epf-and-ppf","tag-epf-eligibility","tag-pf-calculation-example","tag-pf-deduction-percentage","tag-pf-full-form","tag-pf-percentage-in-salary","tag-types-of-pf","tag-what-is-pf","tag-what-is-pf-in-salary"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is PF in Salary- Meaning, Types, and Eligibility<\/title>\n<meta name=\"description\" content=\"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is PF in Salary- Meaning, Types, and Eligibility\" \/>\n<meta property=\"og:description\" content=\"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/\" \/>\n<meta property=\"og:site_name\" content=\"jUMPP\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-15T09:32:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-15T09:32:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1376\" \/>\n\t<meta property=\"og:image:height\" content=\"892\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jumpp Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"What is PF in Salary- Meaning, Types, and Eligibility\" \/>\n<meta name=\"twitter:description\" content=\"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jumpp Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/\"},\"author\":{\"name\":\"Jumpp Team\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#\\\/schema\\\/person\\\/82548df3e3d099f34408da24befeed76\"},\"headline\":\"What is PF in Salary? Types, Contributions, and Eligibility\",\"datePublished\":\"2025-10-15T09:32:25+00:00\",\"dateModified\":\"2025-10-15T09:32:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/\"},\"wordCount\":1398,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/What-is-PF-in-Salary.jpg\",\"keywords\":[\"Advantages of PF\",\"Difference between EPF and PPF\",\"epf eligibility\",\"PF Calculation Example\",\"pf deduction percentage\",\"PF Full form\",\"pf percentage in salary\",\"Types of PF\",\"What is PF\",\"what is pf in salary\"],\"articleSection\":[\"Financial Wellness\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#respond\"]}]},{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/\",\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/\",\"name\":\"What is PF in Salary- Meaning, Types, and Eligibility\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/What-is-PF-in-Salary.jpg\",\"datePublished\":\"2025-10-15T09:32:25+00:00\",\"dateModified\":\"2025-10-15T09:32:26+00:00\",\"description\":\"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#breadcrumb\"},\"mainEntity\":[{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503434632\"},{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503436081\"},{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503436653\"},{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503437362\"},{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503437928\"},{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503438534\"},{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503512061\"}],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#primaryimage\",\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/What-is-PF-in-Salary.jpg\",\"contentUrl\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/What-is-PF-in-Salary.jpg\",\"width\":1376,\"height\":892,\"caption\":\"What is PF in Salary\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial Wellness\",\"item\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/category\\\/financial-wellness\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What is PF in Salary? Types, Contributions, and Eligibility\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/\",\"name\":\"jUMPP Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#organization\",\"name\":\"jUMPP Blog\",\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/logo-white-1.svg\",\"contentUrl\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/logo-white-1.svg\",\"width\":1,\"height\":1,\"caption\":\"jUMPP Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/#\\\/schema\\\/person\\\/82548df3e3d099f34408da24befeed76\",\"name\":\"Jumpp Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/eb361d9ae92b26e516c062b05bf53ece0b829422e9fee69ab30ffb4127b4f946?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/eb361d9ae92b26e516c062b05bf53ece0b829422e9fee69ab30ffb4127b4f946?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/eb361d9ae92b26e516c062b05bf53ece0b829422e9fee69ab30ffb4127b4f946?s=96&d=mm&r=g\",\"caption\":\"Jumpp Team\"},\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/author\\\/rohanrawat\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503434632\",\"position\":1,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503434632\",\"name\":\"How is PF calculated in salary?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"EPF is usually 12% of your basic salary plus dearness allowance, with a matching employer contribution split between EPF and EPS.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503436081\",\"position\":2,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503436081\",\"name\":\"How much PF is deducted from a \u20b935,000 salary?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"On a full basic+DA of \u20b935,000, the employee contribution at 12% is \u20b94,200 per month. Employer contributions may differ due to EPS caps.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503436653\",\"position\":3,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503436653\",\"name\":\"How much PF for a \u20b960,000 salary?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Employee PF at 12% of basic+DA would be \u20b97,200, though employer contributions are often limited by statutory ceilings and company policies.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503437362\",\"position\":4,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503437362\",\"name\":\"What is the PF limit, \u20b915,000 or \u20b921,000?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Currently, the statutory wage ceiling is \u20b915,000 per month, but proposals for an increase to \u20b921,000 are under consideration and awaiting official notification.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503437928\",\"position\":5,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503437928\",\"name\":\"Why is my PF only \u20b91,800?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Payrolls often cap employee contributions to 12% of \u20b915,000, the statutory wage ceiling. Even if your basic is higher, the deduction shows \u20b91,800 unless you opt for Voluntary PF (VPF).\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503438534\",\"position\":6,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503438534\",\"name\":\"Can I withdraw 100% PF amount?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Full EPF withdrawal is allowed after leaving employment, subject to waiting periods. EPS has separate pension rules. Partial advances are allowed for emergencies or specific needs.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503512061\",\"position\":7,\"url\":\"https:\\\/\\\/jumpp.finance\\\/blog\\\/financial-wellness\\\/what-is-pf-in-salary\\\/#faq-question-1760503512061\",\"name\":\"What is the basic salary?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"For EPF, the contribution base is basic salary plus dearness allowance (and retaining allowance where applicable). Most other allowances are excluded.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What is PF in Salary- Meaning, Types, and Eligibility","description":"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/","og_locale":"en_US","og_type":"article","og_title":"What is PF in Salary- Meaning, Types, and Eligibility","og_description":"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.","og_url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/","og_site_name":"jUMPP","article_published_time":"2025-10-15T09:32:25+00:00","article_modified_time":"2025-10-15T09:32:26+00:00","og_image":[{"width":1376,"height":892,"url":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg","type":"image\/jpeg"}],"author":"Jumpp Team","twitter_card":"summary_large_image","twitter_title":"What is PF in Salary- Meaning, Types, and Eligibility","twitter_description":"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.","twitter_image":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg","twitter_misc":{"Written by":"Jumpp Team","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#article","isPartOf":{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/"},"author":{"name":"Jumpp Team","@id":"https:\/\/jumpp.finance\/blog\/#\/schema\/person\/82548df3e3d099f34408da24befeed76"},"headline":"What is PF in Salary? Types, Contributions, and Eligibility","datePublished":"2025-10-15T09:32:25+00:00","dateModified":"2025-10-15T09:32:26+00:00","mainEntityOfPage":{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/"},"wordCount":1398,"commentCount":0,"publisher":{"@id":"https:\/\/jumpp.finance\/blog\/#organization"},"image":{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#primaryimage"},"thumbnailUrl":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg","keywords":["Advantages of PF","Difference between EPF and PPF","epf eligibility","PF Calculation Example","pf deduction percentage","PF Full form","pf percentage in salary","Types of PF","What is PF","what is pf in salary"],"articleSection":["Financial Wellness"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#respond"]}]},{"@type":["WebPage","FAQPage"],"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/","url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/","name":"What is PF in Salary- Meaning, Types, and Eligibility","isPartOf":{"@id":"https:\/\/jumpp.finance\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#primaryimage"},"image":{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#primaryimage"},"thumbnailUrl":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg","datePublished":"2025-10-15T09:32:25+00:00","dateModified":"2025-10-15T09:32:26+00:00","description":"Understand PF in salary\u2014its types, contributions, benefits, and how it helps build your retirement savings for a secure financial future.","breadcrumb":{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503434632"},{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503436081"},{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503436653"},{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503437362"},{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503437928"},{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503438534"},{"@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503512061"}],"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#primaryimage","url":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg","contentUrl":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2025\/10\/What-is-PF-in-Salary.jpg","width":1376,"height":892,"caption":"What is PF in Salary"},{"@type":"BreadcrumbList","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/jumpp.finance\/blog\/"},{"@type":"ListItem","position":2,"name":"Financial Wellness","item":"https:\/\/jumpp.finance\/blog\/category\/financial-wellness\/"},{"@type":"ListItem","position":3,"name":"What is PF in Salary? Types, Contributions, and Eligibility"}]},{"@type":"WebSite","@id":"https:\/\/jumpp.finance\/blog\/#website","url":"https:\/\/jumpp.finance\/blog\/","name":"jUMPP Blog","description":"","publisher":{"@id":"https:\/\/jumpp.finance\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/jumpp.finance\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/jumpp.finance\/blog\/#organization","name":"jUMPP Blog","url":"https:\/\/jumpp.finance\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/jumpp.finance\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2024\/09\/logo-white-1.svg","contentUrl":"https:\/\/jumpp.finance\/blog\/wp-content\/uploads\/2024\/09\/logo-white-1.svg","width":1,"height":1,"caption":"jUMPP Blog"},"image":{"@id":"https:\/\/jumpp.finance\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/jumpp.finance\/blog\/#\/schema\/person\/82548df3e3d099f34408da24befeed76","name":"Jumpp Team","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/eb361d9ae92b26e516c062b05bf53ece0b829422e9fee69ab30ffb4127b4f946?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/eb361d9ae92b26e516c062b05bf53ece0b829422e9fee69ab30ffb4127b4f946?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/eb361d9ae92b26e516c062b05bf53ece0b829422e9fee69ab30ffb4127b4f946?s=96&d=mm&r=g","caption":"Jumpp Team"},"url":"https:\/\/jumpp.finance\/blog\/author\/rohanrawat\/"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503434632","position":1,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503434632","name":"How is PF calculated in salary?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"EPF is usually 12% of your basic salary plus dearness allowance, with a matching employer contribution split between EPF and EPS.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503436081","position":2,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503436081","name":"How much PF is deducted from a \u20b935,000 salary?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"On a full basic+DA of \u20b935,000, the employee contribution at 12% is \u20b94,200 per month. Employer contributions may differ due to EPS caps.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503436653","position":3,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503436653","name":"How much PF for a \u20b960,000 salary?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Employee PF at 12% of basic+DA would be \u20b97,200, though employer contributions are often limited by statutory ceilings and company policies.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503437362","position":4,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503437362","name":"What is the PF limit, \u20b915,000 or \u20b921,000?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Currently, the statutory wage ceiling is \u20b915,000 per month, but proposals for an increase to \u20b921,000 are under consideration and awaiting official notification.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503437928","position":5,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503437928","name":"Why is my PF only \u20b91,800?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Payrolls often cap employee contributions to 12% of \u20b915,000, the statutory wage ceiling. Even if your basic is higher, the deduction shows \u20b91,800 unless you opt for Voluntary PF (VPF).","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503438534","position":6,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503438534","name":"Can I withdraw 100% PF amount?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Full EPF withdrawal is allowed after leaving employment, subject to waiting periods. EPS has separate pension rules. Partial advances are allowed for emergencies or specific needs.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503512061","position":7,"url":"https:\/\/jumpp.finance\/blog\/financial-wellness\/what-is-pf-in-salary\/#faq-question-1760503512061","name":"What is the basic salary?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"For EPF, the contribution base is basic salary plus dearness allowance (and retaining allowance where applicable). Most other allowances are excluded.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts\/1980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/comments?post=1980"}],"version-history":[{"count":3,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts\/1980\/revisions"}],"predecessor-version":[{"id":1983,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/posts\/1980\/revisions\/1983"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/media\/1984"}],"wp:attachment":[{"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/media?parent=1980"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/categories?post=1980"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jumpp.finance\/blog\/wp-json\/wp\/v2\/tags?post=1980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}