EPF Wage CeilingEPF contribution calculator after the ₹25,000 wage ceiling
Type a monthly PF wage to see the employee and employer contributions to EPF, EPS and EDLI, using the rules in the EPFO FAQs for the wage ceiling of ₹25,000 from 17 September 2026. Nothing you type leaves your device.
Contributions from October 2026
| PF wage | Employee EPF | Employer EPS | Employer EPF | EDLI | Admin |
|---|---|---|---|---|---|
| ₹10,000 | ₹1,200 | ₹833 | ₹367 | ₹50 | ₹50 |
| ₹15,000 | ₹1,800 | ₹1,250 | ₹550 | ₹75 | ₹75 |
| ₹20,000 | ₹2,400 | ₹1,666 | ₹734 | ₹100 | ₹100 |
| ₹25,000 | ₹3,000 | ₹2,083 | ₹917 | ₹125 | ₹125 |
| ₹35,000 | ₹3,000 | ₹0 | ₹3,000 | ₹125 | ₹125 |
The same table as EPFO FAQ Q13 (wages ₹10,000, ₹15,000, ₹20,000, ₹25,000 and ₹35,000).
The rules in short
- Employee: 12% of PF wages. Employer: 12% of PF wages, of which 8.33% goes to the pension scheme (EPS) and 3.67% to the PF account (EPF).
- The employer also pays 0.5% for EDLI insurance and 0.5% as admin charges, with a minimum admin charge of ₹500 a month for an establishment with a contributing member.
- Wages above ₹25,000: the contribution is on ₹25,000 unless the employee already contributes on higher wages (Q21, Q22), and EPS membership is open only to employees whose wages did not exceed the ceiling when they joined or when the new ceiling started (Q13).
- For the month of September 2026 the two ceilings apply to two parts of the month: see September 2026.
Common questions
What is the EPF wage ceiling now?
₹25,000 a month, raised from ₹15,000 with effect from 17 September 2026 (notification S.O. 5109(E), EPFO FAQs Q1 and Q2).
How much PF is deducted on a wage of ₹20,000?
Employee 12% = ₹2,400. The employer also pays 12%, of which 8.33% (₹1,666) goes to EPS and 3.67% (₹734) to EPF, plus 0.5% EDLI and 0.5% admin charges (EPFO FAQs Q12 and Q13).
Does the PF apply to my whole gross salary?
No. PF is worked out on PF wages as defined in the Code on Social Security, 2020, not on the whole gross salary (EPFO FAQs Q24 and Q25).
Sources
- Employees' Provident Fund Organisation (EPFO), "Frequently Asked Questions (FAQs): Revision of EPFO Statutory Wage Ceiling from ₹15,000 per month to ₹25,000 per month" (13 pages; notification S.O. 5109(E) dated 17 September 2026, effective 17 September 2026), saved from the EPFO website and read on 13 November 2026. Question numbers (Q1 to Q48) are quoted.
- The wage ceiling revision is also reported in Press Information Bureau releases (PRID 2313829 and 2314111), read on 13 November 2026.
- Not read: the text of the Employees' Provident Funds Scheme, the EPS and EDLI schemes, and any EPFO circular issued after the FAQs.
Rules from the EPFO FAQs on the wage ceiling, read on 13 November 2026. The FAQs are guidance and EPFO may issue later circulars; check epfindia.gov.in. This site is independent, not connected with EPFO, and gives arithmetic, not legal advice.