How PF is split on this salary
Your EPF deduction is 12% of the PF wage, here ₹4,200 a month. Your employer matches the 12%, but their share is split: 8.33% goes to the pension scheme (EPS), capped at wages of ₹25,000 so it does not exceed about ₹2,083, and the rest goes into EPF. On a ₹35,000 wage that means ₹2,083 to EPS and ₹2,117 to EPF from the employer.
So the total going into your PF accounts is ₹8,400 a month, of which ₹4,200 comes out of your salary and the rest is the employer's cost. Use the PF calculator to model a different PF wage or see the balance grow with interest.
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Open the PF calculatorFrequently asked questions
How much PF is deducted on a ₹35,000 salary?
On a ₹35,000 monthly PF wage, your own EPF deduction is ₹4,200 (12%). Your employer adds the same 12%, split as ₹2,083 to the pension fund (EPS) and ₹2,117 to EPF, so ₹8,400 goes into your PF accounts each month.
Why is the employer EPS only about ₹2,083 at higher salaries?
The pension (EPS) share is 8.33% but only on wages up to ₹25,000, the EPF wage ceiling from 17 September 2026 (it was ₹15,000 before), so it is capped at about ₹2,083 a month. Any employer contribution above that goes into EPF, not EPS.
Is PF calculated on the full salary?
PF is calculated on basic wage plus dearness allowance, not the full CTC. Many employers apply it on ₹25,000 where basic is higher, so confirm the PF wage your employer uses.