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PF Registration

EPF registration mandatory for establishments with 20+ employees — covers provident fund (EPF), pension (EPS), and life insurance (EDLI) for employees.

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Overview

EPF (Employees Provident Fund) registration is mandatory for all establishments employing 20 or more employees, governed by the Employees Provident Funds and Miscellaneous Provisions Act, 1952. Upon registration, the employer receives a unique EPF code and must deduct 12% of each employee's basic wages and DA, match it with an equal employer contribution, and remit the combined amount to EPFO by the 15th of each month.

EPF registration provides employees with a triple social security benefit: a retirement corpus (EPF), pension (EPS — Employees Pension Scheme), and life insurance (EDLI — Employees Deposit Linked Insurance). MFiling handles complete EPF registration on the EPFO portal, including digital signature setup, employer profile creation, establishment registration, and EPF code generation.

Government fee: NIL. Processing time: 3–7 working days. MFiling professional charges: from Rs.2,999. Monthly compliance (ECR filing + challan): Rs.999/month.

Key Benefits

Retirement Savings Corpus for Employees
EPF earns 8.15% annual interest (FY2023-24) — tax-free retirement savings.
Pension Under EPS
Employer 8.33% contribution builds a pension — payable from age 58 after 10 years of service.
EDLI Life Insurance
Rs.2.5–7 lakh life insurance benefit to nominee on employee death while in service.
Employee Welfare and Retention
PF benefits attract and retain talent — especially in manufacturing and services sectors.
Statutory Compliance — Avoid Penalties
Non-registration attracts Rs.5,000 penalty per day plus interest on unpaid contributions.
UAN Portability
Employees retain their Universal Account Number across employers — no PF account reset on job change.

Documents Required

Certificate of Incorporation / Registration of Establishment
PAN Card of the Establishment (not proprietor's personal PAN)
Address Proof of Establishment — Utility Bill or Rent Agreement
Details of All Directors / Partners / Proprietors with PAN and Aadhaar
Bank Account Details with Cancelled Cheque
Digital Signature Certificate (DSC) of Authorised Signatory
Employee List with Date of Joining, Salary, and Designation
Specimen Signature of Authorised Signatory on Letterhead

How it Works

Obtain DSC for Authorised Signatory (1–3 days)

Class 3 Digital Signature Certificate required for EPFO portal submission.

Register on EPFO Member Portal (Day 1)

Visit epfindia.gov.in and click "Establishment Registration".

Fill Establishment Details (Day 1)

Type of establishment, address, industry, and date of commencement.

Enter Owner / Director Details (Day 1)

Provide PAN and Aadhaar of all directors / partners / proprietors.

Upload Documents (Day 1)

Upload all required documents in prescribed format.

Submit Using DSC (Day 1)

Sign and submit application using the authorised signatory's DSC.

EPFO Assigns EPF Establishment Code (3–7 days)

EPFO verifies and assigns unique EPF code for the establishment.

Generate UAN for All Employees (Day 7–10)

Create and activate Universal Account Numbers for all covered employees.

Frequently Asked Questions

Is EPF registration required if all employees earn above Rs.15,000 per month?
Establishments with 20+ employees must register regardless of salary levels. The EPF Act applies based on headcount, not salary. Employees with basic wages above Rs.15,000 can opt out of PF, but the establishment itself must still register and cover eligible employees.
Can an employee withdraw their full PF balance at any time?
Full PF withdrawal is permitted only on retirement (age 58+) or after 2 months of unemployment. Partial withdrawals are permitted for medical treatment, home purchase, marriage, or education. EPS pension withdrawal rules are stricter — service below 10 years allows withdrawal; above 10 years, the employee receives a monthly pension from age 58.
Service Price
₹2,999
Starting price · GST extra
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Retirement Savings Corpus for Employees
EPF earns 8.15% annual interest (FY2023-24) — tax-free retirement savings.
Pension Under EPS
Employer 8.33% contribution builds a pension — payable from age 58 after 10 years of service.
EDLI Life Insurance
Rs.2.5–7 lakh life insurance benefit to nominee on employee death while in service.
Employee Welfare and Retention
PF benefits attract and retain talent — especially in manufacturing and services sectors.
Statutory Compliance — Avoid Penalties
Non-registration attracts Rs.5,000 penalty per day plus interest on unpaid contributions.
UAN Portability
Employees retain their Universal Account Number across employers — no PF account reset on job change.

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Service Price
₹2,999
Starting price · GST extra

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