Provident fund, FY 2026-27
PF calculator
Your PF, your employer's PF and the pension share, from your basic pay.
Where the money goes each month
How PF works
You and your employer each pay 12% of your PF wages, which are basic pay, dearness allowance and retaining allowance. Your share goes to your EPF account. If you are a member of the Employees' Pension Scheme, 8.33% of wages up to the ceiling from your employer's share goes there and the rest to EPF; if you are not, all of it goes to EPF. Your employer also pays EDLI insurance and admin charges on top.
The wage ceiling rose from ₹15,000 to ₹25,000 a month on 17 September 2026 (Ministry of Labour and Employment notification S.O. 5109(E) of 17 September 2026). Before that date the most that could go to EPS was ₹1,250 a month; from it, ₹2,083. Contributions above the ceiling are optional for new members and need your employer's agreement.
Your own PF counts towards the ₹1,50,000 limit under section 123 (formerly 80C) in the old regime only. See how PF changes your in-hand salary.
In-hand salary by CTC
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These figures are estimates based on the information you entered and the rules for tax year 2026-27 under the Income-tax Act 2025 as it stands after Budget 2026, EPFO notifications and state professional tax schedules. They are general information, not tax, financial or legal advice. Your actual in-hand salary can differ, for example because of your company's salary structure, variable pay, PF rules, your regime choice, TDS timing or your state. Check your payslip, or ask your payroll team or a chartered accountant, before relying on these figures.