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Salaried employee: Does EPS contribute to VPF?

Milind Vadjikar |1210 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Mar 24, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Asked by Anonymous - Mar 23, 2025Hindi

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Hello Sir, I am a salaried employee and a EPF subscriber. I want to start VPF contribution. Will EPS contribution be deducted from my VPF contribution also (as it is the case in EPF contribution)? If yes, what percent of VPF contribution be deducted for EPS? Thanks a lot.

Ans: Hello;

EPS is NOT deducted from VPF contribution.

Best wishes;

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Hello Sir, I started my career in 2017, I was never part of EPS scheme of EPF. My new company has started contributing to EPS, is it allowed to do so?

Ans: Yes, it is allowed for your new company to start contributing to EPS for you, even though you were not previously part of the EPS scheme. Currently, employees and employers can contribute 12% of the basic salary and dearness allowance to the EPF. Of the employer’s 12% contribution, 8.33% goes to the Employees’ Pension Scheme (EPS) and 3.67% to the EPF.

However, the 8.33% EPS contribution is capped at the maximum amount of Rs. 15,000 even when the employee draws a higher salary. The cap on the EPS contribution was introduced in 2014 through an amendment to the EPS.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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