What is EPF Registration — Employee Provident Fund?
The Employees' Provident Fund (EPF) is a retirement savings scheme governed by the EPF & Miscellaneous Provisions Act 1952. It is mandatory for all establishments with 20 or more employees. Both employer and employee contribute 12% of basic wages (+ DA) to the PF account each month.
SPOTON handles the complete EPF compliance — registration on the EPFO Unified Portal, allotment of PF numbers to employees, monthly ECR (Electronic Challan cum Return) filing, and KYC updates for seamless claim processing.
Key Benefits
Retirement SecurityEmployees accumulate a substantial retirement corpus with 8.15% annual interest.
Employee WelfareDemonstrates commitment to employee well-being — improves retention.
Tax BenefitsEmployee's PF contribution is deductible under Section 80C; employer's contribution is a business expense.
Partial WithdrawalEmployees can withdraw PF for housing, education, medical emergencies — providing financial security.
Eligibility & Requirements
Establishments with 20+ employees
Voluntary registration available for smaller establishments
Employer PAN and registration certificate
Complete employee list with Aadhaar and bank details
Basic + DA details for all employees
Step-by-Step Process
1
Employer Registration
Register on EPFO Unified Portal — receive PF Establishment Code.
2
Employee Enrollment
Register each employee — generate Universal Account Number (UAN) and individual PF account.
3
Monthly ECR Filing
File Electronic Challan cum Return (ECR) by the 15th of each month.
Link Aadhaar, PAN and bank account for each employee for seamless claims.
Documents Required
Certificate of Incorporation / GST certificate / Partnership Deed
PAN of the establishment
List of employees with Aadhaar, UAN (if existing), bank account, basic + DA wages
DSC of the authorised signatory
Bank account details of the establishment
Need help gathering documents? Our team will send you a personalised checklist and guide you through document preparation — just WhatsApp or call us.
Frequently Asked Questions
Employee: 12% of basic wages + DA. Employer: 12% — split as 3.67% to EPF and 8.33% to EPS (Employees' Pension Scheme). Employer also pays 0.5% to EDLI and 0.5% admin charges.
New employees with monthly PF wages above ₹15,000 can opt out of PF at the time of joining. However, once enrolled, they cannot opt out until retirement or resignation.
Universal Account Number is a 12-digit number allotted to each EPF member. The UAN remains constant even if the employee changes jobs, allowing seamless PF transfer.
Non-compliance with EPF Act can result in imprisonment up to 3 years and fine under Section 14. Interest at 12–18% per annum is charged on delayed contributions.
