A Guide to Employee Provident Fund (EPF) in India: Calculations
Pagaar India Editorial
July 17, 2026
8 min read
The Employee Provident Fund (EPF) is a government-backed retirement saving scheme mandatory for salaried employees in India. Understanding how EPF matches work is essential to calculate your exact in-hand salary.
EPF Calculation Breakdown
- Employee Contribution: 12% of your basic salary + dearness allowance is deducted monthly.
- Employer Contribution: The company matches the 12% contribution. 3.67% goes to your EPF account, and 8.33% goes to the Employees' Pension Scheme (EPS).
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