EPF Registration

Overview

EPF Registration refers to enrolling under India’s Employees’ Provident Fund (EPF) scheme, which is a government-backed retirement savings program managed by the Employees’ Provident Fund Organisation (EPFO).

What is EPF ?
EPF is a mandatory savings scheme for salaried employees in India where:

· A portion of the employee’s salary is saved every month

· The employer also contributes

· The money earns interest and can be withdrawn at retirement or under certain conditions

It helps employees build long-term financial security.

Benefits

Safe government-backed savings
Guaranteed interest
Retirement pension (EPS)
Tax benefits
Long-term wealth creation

Long-term savings with government-backed security

Easy online access through UAN

Employee EPF contribution: Tax deductible under Section 80C

Interest earned: Tax-free

Maturity amount: Tax-free (if rules followed)

EPF Withdrawal Rules

You can withdraw:

· At retirement (58 years)

· Partial withdrawals for:

o Medical emergencies

o Education

o Marriage

o Home purchase

· Full withdrawal if unemployed for 2 months

Documents Required

1. Business / Establishment Documents
· PAN Card of the Company/Firm

· Certificate of Incorporation (Company)
or Partnership Deed / LLP Agreement / Trust Deed (as applicable)

· GST Registration Certificate (if available)

· Shop & Establishment Certificate or Factory License

· Address proof of establishment

o Electricity bill / Rent agreement / Property tax receipt

2. Employer / Authorized Signatory Details
· PAN Card of Employer / Director / Partner

· Aadhaar Card

· Digital Signature Certificate (DSC) of authorized signatory

· Mobile number & email ID (linked with Aadhaar)

3. Bank Details
· Cancelled cheque

· Bank account statement (company account)

4. Employee Details (At Registration Stage)
· Total number of employees

· Date of joining of first employee

· Salary details

Apply for EPF

For Employers (Online)
1. Visit EPFO Unified Portal

2. Register establishment

3. Submit details:

o Company PAN

o Address & contact info

o Date of establishment

o Employee details

4. Upload documents

5. Receive Establishment ID

6. Start monthly EPF filings

EPF Contributions

Contribution Breakdown
Contributor

Percentage

Employee
12% of Basic + DA

Employer
12% of Basic + DA

Employer’s 12% is split into:
· 8.33% → EPS (Pension Scheme) (up to ₹15,000 salary cap)

· 3.67% → EPF account

· Declared yearly by EPFO

· Interest is tax-free (subject to rules)

Summary Table

Category Documents

Employer PAN, Registration certificate, Address proof, Bank details

Authorized Signatory Aadhaar, PAN, DSC

Employee Aadhaar, PAN, Bank details

FAQ

Who is required to register for EPF?

Any establishment with 20 or more employees must register for EPF. Establishments with fewer than 20 employees may register voluntarily.
What is the EPF contribution rate?

Employee: 12% of Basic + DA Employer: 12% of Basic + DA
What happens to EPF when changing jobs?

Your EPF balance can be transferred online to the new employer using the same UAN.

EPF Registration