EPF wage ceiling calculator
Compare monthly PF contributions on the old Rs 15,000 wage ceiling and the new Rs 25,000 ceiling notified on 17 September 2026. Arithmetic on the wages and rate you type.
How it works
PF wages = the lower of actual monthly wages and the ceiling. Contribution (each side) = PF wages × rate ÷ 100.
Assumptions
- The ceiling rose from Rs 15,000 to Rs 25,000 under Labour Ministry notification S.O. 5109(E), effective 17 September 2026. The official copy has not been checked here; read the notification itself.
- The 12% rate is an input taken from press reports. The split of the employer share between the provident fund, pension and insurance schemes is not modelled.
- Uses wages at the ceiling for everyone. Where an employer already contributes on full wages above the ceiling, the figures will not match.
- The treatment of the part-month of September 2026 is not settled in any source read, so the yearly figure assumes a full year at the new ceiling.
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These tools do arithmetic on the numbers you enter. They are for illustration and education. They do not predict returns, and they are not investment, tax or financial advice. Returns are not guaranteed.