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Sanjeev

Sanjeev Govila  | Answer  |Ask -

Financial Planner - Answered on Jan 23, 2024

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more
Rupannita Question by Rupannita on Dec 25, 2023Hindi
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Money

Sir/Madam, this is a query on provident fund. One of our employee with basic salary of 20,000 per month contributes to PF @12% = 2400/-. Now he says that he wants to contribute @12% on Rs 15,000/- = 1800/- per month as he is a excluded employee under PF Act. Is this permissible as per EPFO Act read with Scheme. Regards

Ans: Under the EPFO Act and Scheme, it’s not permissible for an employee to contribute 12% on Rs. 15,000 while earning a basic salary of Rs. 20,000, even if he/she is excluded from the PF Act.

Kindly find the reasons for the same:-

• Mandatory Contribution: The EPFO Act mandates that employees covered under the Act contribute 12% of their basic salary (up to Rs. 15,000) towards the PF. This applies even to those excluded from certain provisions.

•No Selective Contribution: The Act doesn't allow employees to selectively contribute on a lower salary amount. They must contribute based on their actual basic salary.

• Wage Ceiling: The Rs. 15,000 wage ceiling applies only to the employer's contribution, not the employee's. Employees must contribute 12% of their entire basic salary, even if it exceeds Rs. 15,000.

For further clarity on specific exclusions and contribution rules, consult with the EPFO directly via email.
Asked on - Feb 10, 2024 | Answered on Feb 10, 2024
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Sir, thanks for your valued views. I have joined a company where my basic salary is say 30,000 per month but my own and employer's contribution is calculated on 15,000/- per month which is 1800/- each. This is being continued for last four years. Is this a non compliance of provisions of EPF Act read with Scheme. I have given declaration in Form 11 accordingly to my employer. Regards,
Ans: No. It is very fine as it is being deducted and deposited based on the 12% limit of Rs 15K.
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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Dating, Relationships Expert - Answered on Dec 04, 2025

Asked by Anonymous - Dec 02, 2025Hindi
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My married ex still texts me for comfort. Because of him, I am unable to move on. He makes me feel guilty by saying he got married out of family pressure. His dad is a cardiac patient and mom is being treated for cancer. He comforts me by saying he will get separated soon and we will get married because he only loves me. We have been in a relationship for 14 years and despite everything we tried, his parents refused to accept me, so he chose to get married to someone who understands our situation. I don't know when he will separate from his wife. She knows about us too but she comes from a traditional family. She also confirmed there is no physical intimacy between them. I trust him, but is it worth losing my youth for him? Honestly, I am worried and very confused.
Ans: Dear Anonymous,
I understand how difficult it is to let go of a relationship you have built from scratch, but is it really how you want to continue? It really seems to be going nowhere. His parents are already in bad health and he married someone else for their happiness. Does it seem like he will be able to leave her? So many people’s happiness and lives depend on this one decision. I think it’s about time you and your BF have a clear conversation about the same. If he can’t give a proper timeline, please try to understand his situation. But also make sure he understands yours and maybe rethink this equation. It really isn’t healthy. You deserve a love you can have wholly, and not just in pieces, and in the shadows.

Hope this helps

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