Your monthly EPF contribution is 12% of basic salary. Your employer also contributes 12% — but it splits between EPF (3.67%) and EPS (8.33%). Here is exactly where every rupee goes.
—
You: 12% of basic. Employer: 12% total — 3.67% goes into your EPF account, 8.33% goes to EPS (Employees' Pension Scheme, capped at ₹1,250/month). EPS funds your pension at retirement and does not appear in your EPF passbook.
For basic salary above ₹15,000, EPS contribution is capped at ₹1,250/month (8.33% × ₹15,000). See our full disclaimer.