PF Deduction on Salary Slip — How It Works
See how your PF contribution is calculated from your basic pay, and what your employer is matching. Free salary slip breakdown.
100% Private — Files Never Leave Your Browser
Your salary slip contains sensitive financial data. PDF Pro processes everything using WebAssembly inside your browser. No file is ever uploaded to our servers.
Upload your salary slip PDF below. If your file is large, you may need to compress it first.
Drop your Salary Slip PDF here
100% Private. Text is extracted locally in your browser.
Don't have a PDF right now?
How It Works
The Provident Fund (PF) deduction on your salary slip is one of the largest monthly deductions for most salaried employees, yet few understand exactly how it is calculated or what their employer is contributing on their behalf.
The standard EPF contribution is 12% of your basic salary plus Dearness Allowance (DA). Your employer matches this with another 12%, though the employer's contribution is split: 8.33% goes to the Employee Pension Scheme (EPS) and only 3.67% goes into your actual EPF account. This means your retirement corpus grows faster than just your own deduction.
Upload your salary slip to see your exact basic salary, your 12% contribution, your employer's split contribution, and the resulting monthly addition to your EPF balance — all extracted directly from your payslip.
Frequently Asked Questions
What percentage of salary goes to PF?
Typically 12% of your basic salary is deducted from your pay. Your employer contributes another 12%, split between EPF (3.67%) and EPS (8.33%).
Is PF mandatory for all employees?
PF is mandatory for employees with a basic salary up to ₹15,000/month. Above this threshold, both employee and employer can mutually agree to opt out.
Can I withdraw PF before retirement?
Yes, under specific conditions including two months of unemployment, home purchase, medical emergencies, or marriage. Partial withdrawals are also permitted for education.