{"id":4547,"date":"2026-05-29T22:06:40","date_gmt":"2026-05-29T22:06:40","guid":{"rendered":"https:\/\/aaxonix.com\/resources\/?post_type=glossary&#038;p=4547"},"modified":"2026-05-30T02:53:14","modified_gmt":"2026-05-30T02:53:14","slug":"pf-provident-fund-zoho-payroll","status":"publish","type":"glossary","link":"https:\/\/aaxonix.com\/resources\/glossary\/pf-provident-fund-zoho-payroll\/","title":{"rendered":"PF (Provident Fund)"},"content":{"rendered":"<style>\n.gt-body{font-family:'Poppins',sans-serif;color:#111;line-height:1.75}\n.gt-def{border-left:4px solid #E8650A;padding:16px 20px;background:#fff8f4;border-radius:0 8px 8px 0;margin:0 0 32px;font-size:1.05rem}\n.gt-section{margin:0 0 36px}.gt-section h2{font-family:'Fraunces',serif;color:#0A1628;font-size:1.5rem;margin:0 0 12px}\n.gt-example-box{background:#f0f4ff;border-radius:10px;padding:20px 24px;margin:0 0 32px}.gt-example-box strong{color:#2563EB}\n.gt-related-pills{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 32px}\n.gt-related-pill{background:#f7f4ef;border:1px solid #ddd8cf;border-radius:20px;padding:6px 16px;font-size:.875rem;color:#0A1628;text-decoration:none}\n.gt-faq-item{border:1px solid #ddd8cf;border-radius:10px;padding:16px 20px;margin:0 0 12px}\n<\/style>\n<div class=\"gt-body\">\n<div class=\"gt-def\">Provident Fund (PF) in Zoho Payroll is the mandatory retirement savings scheme governed by the Employees&#8217; Provident Funds and Miscellaneous Provisions Act, 1952. Both employee and employer contribute 12% of PF wages (Basic plus DA) each month. The employee&#8217;s share goes entirely to EPF. The employer&#8217;s 12% is split: 8.33% to EPS (Employee Pension Scheme) and 3.67% to EPF.<\/div>\n<div class=\"gt-section\">\n<h2>PF Wages and Contribution Limits<\/h2>\n<p>PF contribution is calculated on PF wages, not gross salary. PF wages typically include Basic and Dearness Allowance. If PF wages exceed Rs 15,000 per month, the employer may cap PF contributions at Rs 1,800 (12% of Rs 15,000) or continue on actual wages per company policy. Zoho Payroll lets you configure the PF wage cap in PF Settings, and the system applies it consistently across all eligible employees.<\/p>\n<\/div>\n<div class=\"gt-section\">\n<h2>PF Challan and EPFO Filing<\/h2>\n<p>Employer and employee PF contributions must be remitted to EPFO by the 15th of the following month via ECR (Electronic Challan cum Return). Zoho Payroll generates the ECR file in the correct format after each pay run, including UAN, name, PF wages, employee contribution, and employer contribution per employee. This file is uploaded directly to the EPFO Unified Portal.<\/p>\n<\/div>\n<div class=\"gt-section\">\n<h2>Voluntary PF (VPF)<\/h2>\n<p>Employees can contribute more than 12% of PF wages voluntarily. This is called Voluntary Provident Fund (VPF). Zoho Payroll supports VPF as an additional deduction component, and the extra contribution goes into the EPF account. VPF contributions are eligible for Section 80C deduction up to the Rs 1.5 lakh annual limit.<\/p>\n<\/div>\n<div class=\"gt-example-box\"><strong>Example:<\/strong> An employee has Basic Rs 20,000 and DA Rs 0. PF wages = Rs 20,000. Employee EPF = 12% of Rs 20,000 = Rs 2,400. Employer EPF = 3.67% x Rs 20,000 = Rs 734. Employer EPS = 8.33% x Rs 15,000 (capped) = Rs 1,250. Zoho Payroll calculates all three and includes them in the ECR file.<\/div>\n<div class=\"gt-related-pills\"><a href=\"https:\/\/aaxonix.com\/resources\/glossary\/epf-contribution-zoho-payroll\/\" class=\"gt-related-pill sp-content-link\">EPF Contribution<\/a><a href=\"https:\/\/aaxonix.com\/resources\/glossary\/eps-employee-pension-scheme-zoho-payroll\/\" class=\"gt-related-pill sp-content-link\">EPS<\/a><a href=\"https:\/\/aaxonix.com\/resources\/glossary\/esi-employee-state-insurance-zoho-payroll\/\" class=\"gt-related-pill sp-content-link\">ESI<\/a><a href=\"https:\/\/aaxonix.com\/resources\/glossary\/salary-structure-zoho-payroll\/\" class=\"gt-related-pill sp-content-link\">Salary Structure<\/a><\/div>\n<div class=\"gt-faq-item\"><strong>What is PF in Zoho Payroll?<\/strong><\/p>\n<p>PF (Provident Fund) in Zoho Payroll is the mandatory retirement savings deduction under the EPF Act. Both employer and employee contribute 12% of PF wages. Zoho Payroll calculates contributions automatically each month, generates the EPFO-compatible ECR challan file, and shows deductions on the payslip.<\/p>\n<\/div>\n<div class=\"gt-faq-item\"><strong>How does Zoho Payroll handle the PF wage ceiling of Rs 15,000?<\/strong><\/p>\n<p>In Zoho Payroll&#8217;s PF Settings, you can choose to cap PF contributions at 12% of Rs 15,000 (Rs 1,800) or compute on actual PF wages. The cap applies to both employer and employee contributions. The EPS employer contribution is always capped at 8.33% of Rs 15,000 regardless of actual wages.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>PF (Provident Fund) in Zoho Payroll refers to the mandatory retirement savings deduction under the Employees&#8217; Provident Funds Act, contributed by both employee and employer at 12% of PF wages.<\/p>\n","protected":false},"template":"","meta":{"seo_title":"PF (Provident Fund) | Zoho Payroll Glossary","seo_description":"PF (Provident Fund) in Zoho Payroll refers to the mandatory retirement savings deduction under the Employees' Provident Funds Act, contributed by both empl","seo_keyword":"pf (provident fund) zoho payroll","seo_faqs":"[{\"q\": \"What is PF in Zoho Payroll?\", \"a\": \"PF (Provident Fund) in Zoho Payroll is the mandatory retirement savings deduction under the EPF Act. Both employer and employee contribute 12% of PF wages. 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The EPS employer contribution is always capped at 8.33% of Rs 15,000 regardless of actual wages.\"}]","term_type":"Business","glossary_related":"","glossary_links":""},"glossary_category":[1250],"class_list":["post-4547","glossary","type-glossary","status-publish","hentry","glossary_category-zoho-payroll"],"_links":{"self":[{"href":"https:\/\/aaxonix.com\/resources\/wp-json\/wp\/v2\/glossary\/4547","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aaxonix.com\/resources\/wp-json\/wp\/v2\/glossary"}],"about":[{"href":"https:\/\/aaxonix.com\/resources\/wp-json\/wp\/v2\/types\/glossary"}],"wp:attachment":[{"href":"https:\/\/aaxonix.com\/resources\/wp-json\/wp\/v2\/media?parent=4547"}],"wp:term":[{"taxonomy":"glossary_category","embeddable":true,"href":"https:\/\/aaxonix.com\/resources\/wp-json\/wp\/v2\/glossary_category?post=4547"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}