When you’re a salaried employee, both you and your employer contribute to your EPF (Employees’ Provident Fund)
Who Contributes to PF? Employee – 12% of your basic salary + DA (Dearness Allowance )Employer – 12% of your basic salary + DA (but split into different parts)PF Contribution Breakdown Table Contributor Percentage Amount Goes To Employee 12% Entirely to EPF Employer 12% – 3.67% to EPF
PF Contribution Breakdown Table - 8.33% to EPS (Pension Scheme)
- 0.50% to EDLI (Insurance)
- 0.85% to EPF Admin Charges
- 0.01% to EDLI Admin Charges Example: If Basic Salary = ₹20,000 Contribution Head Amount (Monthly) Employee (12%) to EPF ₹2,400 Employer: → 3.67% to EPF ₹734 → 8.33% to EPS (pension) ₹1,666 → 0.5% to EDLI ₹100 → 0.85% to Admin Charges ₹170 → 0.01% to EDLI Charges ₹2 Total Employer Cost ₹3,072
Example: If Basic Salary = ₹20,000 What Happens to the Money? EPF (Employee + Employer share) earns interest (~8.15%) annuallyEPS builds your pension for post-retirement (no interest, but gives pension)EDLI is an insurance scheme that offers life cover up to ₹7 lakh Admin charges go to EPFO for maintenanceBenefits of Understanding This Breakup Helps you track your PF passbook Know how much is growing in EPF vs EPS Plan for retirement and withdrawal smartly 
