PF Registration
Register Your Business for Employee Provident Fund (EPF)

Provident Fund (PF) registration is a crucial compliance requirement for businesses with 20+ employees, ensuring long-term financial security for workers. It facilitates systematic savings, retirement benefits, and social security while adhering to EPFO regulations. Our experts assist with documentation, application filing, and compliance management, making the registration process seamless. Get your Employee Provident Fund (EPF) registration done effortlessly with Udyog Suvidha Kendra.

PF Registration

PF Registration Application

Enter name of your Business Startup
Please enter name of authorized person.
Please enter pan number.
Please enter your email id.
Please enter your mobile number.
Please enter your address.
Please select state.
Please enter city.
Please enter pincode.
     
Please enter GST Number.
You Must agree both Terms before Submitting the Form.
You Must agree both Terms before Submitting the Form.

PF Registration

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What is PF Registration & Why is it Mandatory?

Provident Fund (PF) registration is a legal requirement under the Employees’ Provident Fund and Miscellaneous Provisions Act, 1952. It is a social security scheme that ensures financial stability for employees after retirement. PF registration is mandatory for businesses with 20 or more employees and provides benefits such as long-term savings, pension support, and insurance coverage. Employers and employees contribute a fixed percentage of wages to the PF fund, which accumulates over time, ensuring financial security. Non-compliance can lead to penalties and legal actions by the Employees’ Provident Fund Organisation (EPFO).

Overview of Provident Fund (PF) Registration

  • tick icon Mandatory for Eligible Businesses: PF registration is required for businesses with 20 or more employees to comply with labor laws.
  • tick icon Contribution Structure: Both the employer and employee contribute 12% of the employee’s basic salary to the PF fund.
  • tick icon Interest & Accumulation: Contributions accumulate with interest, providing long-term financial security for employees.
  • tick icon Additional Benefits: Offers financial assistance in medical emergencies, education, or home purchases.
  • tick icon Regulated by EPFO: The registration process is governed by the Employees’ Provident Fund Organisation (EPFO).
PF Registration Overview

Who Needs to Register for PF?

  • Businesses with 20 or More Employees – PF registration is mandatory for companies employing 20 or more workers across any industry.
  • Voluntary Registration for Smaller Businesses – Businesses with fewer than 20 employees can also register voluntarily to provide PF benefits.
  • Employees Earning Up to ₹15,000 per Month – Employees with a salary of ₹15,000 or less must be enrolled under EPF by their employer.
  • Contractors & Staffing Agencies – Any business engaging contractual workers must ensure PF registration for their employees.
  • Organizations under EPFO Notification – Some businesses, irrespective of employee count, may be required to register based on EPFO notifications.

PF Registration Eligibility Criteria & Compliance

Provident Fund (PF) registration ensures financial security for employees and legal compliance for businesses. Under EPFO regulations, employers must fulfill certain criteria and obligations to avoid penalties and safeguard employee benefits.

Who Must Register for PF?

  • 1. Mandatory Registration for Businesses – All establishments with 20 or more employees must register under the Employees’ Provident Fund Organization (EPFO).
  • 2. Industries Covered by EPF Act – Specific sectors such as manufacturing, construction, and IT services are required to register, regardless of workforce size.
  • 3. Voluntary Registration for Small Businesses – Companies with fewer than 20 employees can register voluntarily to offer PF benefits, improving employee retention.
  • 4. Inclusion of Contract & Gig Workers – Employers hiring freelancers, gig workers, or contract employees must assess their PF liability to ensure compliance.
  • 5. Foreign Companies with Indian Employees – International companies operating in India must register under EPFO if they employ Indian nationals.
  • 6. Organizations with Inter-State Employees – Businesses with employees working across multiple states must ensure centralized PF registration for compliance.
PF Registration

EPFO Rules & Employer Responsibilities

  • 1. Digital PF Registration & UAN Generation – Employers must generate a Universal Account Number (UAN) for every employee and link it with Aadhaar.
  • 2. Contribution Compliance – Employers must deposit 12% of employees' basic salary into the PF account and ensure a matching contribution.
  • 3. Timely Filing of Monthly PF Returns – Employers must submit EPF returns before the 15th of every month to avoid penalties.
  • 4. Record Maintenance & Employee PF Statements – Businesses must maintain accurate payroll records and provide PF statements to employees periodically.
  • 5. Withdrawal & Transfer Assistance – Employers must assist employees in PF withdrawal and transfer procedures when they switch jobs.
  • 6. Inspection & Audit Compliance – Organizations should be prepared for EPFO audits and must comply with all statutory reporting requirements.

Failure to comply with EPFO regulations can result in fines and legal action. Ensure smooth registration and adherence to compliance rules with Udyog Suvidha Kendra’s expert PF registration services.

EPFO Rules

Documents Required for PF Registration

To register for Provident Fund (PF) under EPFO, businesses must submit the required documents for verification. Proper documentation ensures a smooth approval process and prevents compliance issues.

For Employer/Business Registration

1. PAN Card of the Business

Mandatory for tax and EPFO registration.

2. GST Registration Certificate

Confirms the business’s legal identity and taxation compliance.

3. Certificate of Incorporation

Required for Private Limited, LLPs, or Partnership firms.

4. MOA & AOA/Partnership Deed

Applicable for companies and partnerships.

5. Shops & Establishment Certificate

Proof of commercial business operations.

6. Canceled Cheque/Bank Statement

Business bank details for EPF transactions.

For Employee Registration

7. Aadhaar Card

Mandatory for linking UAN (Universal Account Number).

8. PAN Card

Required for tax deductions and verification.

9. Salary Slips & Employee Details

Includes designation, salary structure, and date of joining.

10. Employee Mobile Number & Email

For EPFO communication and digital access.

Step-by-Step Process for PF Registration

1

Check Eligibility

Ensure your business meets the EPFO registration requirement. Companies with 20 or more employees must register, while smaller businesses can opt for voluntary registration.

2

Prepare Required Documents

Gather essential documents like business PAN, GST certificate, incorporation certificate, address proof, bank details, and employee Aadhaar & PAN. A Digital Signature Certificate (DSC) is also needed for authentication.

3

Register on the EPFO Portal

Visit the EPFO Unified Employer Portal, create an employer account, and enter company details, including incorporation date, business type, and address.

4

Submit Employee & Business Details

Provide employee details such as name, salary structure, bank details, and UAN (if applicable). Enter employer details and verify business compliance.

5

Complete Digital Verification

Upload necessary documents and digitally sign the application using a DSC. Ensure accuracy to avoid rejection or re-submission.

6

Receive PF Registration Certificate

Once verified, EPFO issues a Universal Account Number (UAN) and Establishment Code. Employees can now access their PF benefits, contributions, and withdrawals via the EPFO portal.

PF Registration Fees & Timeline

PF Registration Fees & Timeline

PF registration through the Employees’ Provident Fund Organisation (EPFO) is free, but businesses must contribute a fixed percentage of employees' salaries. The standard employer contribution is 12% of the employee’s basic salary, where 8.33% goes to the Employee Pension Scheme (EPS) and 3.67% to the Provident Fund (EPF). The employee also contributes 12% of their salary to EPF.

The processing time for PF registration is typically 7–15 working days, depending on the accuracy of the submitted documents and verification by EPFO authorities. Delays may occur if there are discrepancies in the application.

PF Contribution & Withdrawal Rules

Employer & Employee Contribution Breakdown

PF contributions are mandatory for organizations with 20 or more employees under the Employees’ Provident Fund (EPF) Scheme. Both employer and employee contribute 12% of the employee’s basic salary + dearness allowance.

  • 1. Employee Contribution: 12% of basic salary goes entirely into EPF.
  • 2. Employer Contribution: 8.33% goes to the Employee Pension Scheme (EPS), and 3.67% goes into EPF.

For organizations with less than 20 employees, the contribution rate may be reduced to 10% under certain conditions.

Employer & Employee Contribution

Rules for PF Withdrawals & Advances

PF withdrawals are allowed under specific conditions:

Full Withdrawal
1. Retirement: After reaching 58 years of age.
2. Unemployment: If unemployed for 2+ months, full withdrawal is allowed.

Partial Withdrawal (Advances)
1. Medical Emergencies: Up to 6 months’ basic salary or total PF balance, whichever is lower.
2. Home Loan Repayment: Up to 90% of PF balance after 10 years of service.
3. Higher Education or Marriage: Up to 50% of employee’s share after 7 years of service.

To withdraw PF, employees must apply through the EPFO Unified Member Portal using their UAN (Universal Account Number) linked with Aadhaar and bank details.

PF Withdrawals & Advances

Tax Benefits & Exemptions on PF

PF contributions and withdrawals come with multiple tax benefits under the Income Tax Act, 1961:

  • Employee PF Contribution: Eligible for a tax deduction under Section 80C, up to ₹1.5 lakh per year.
  • Interest Earned: Tax-free if the employee contributes for 5+ continuous years.
  • Maturity Amount: Fully tax-exempt if withdrawn after 5 years of service.
  • Premature Withdrawals: Taxable if withdrawn before 5 years (except for specific reasons like medical emergencies).
Tax Benefits on PF

Common Mistakes to Avoid in PF Registration

Incorrect Business Information:
Mistakes in the company name, address, or PAN during registration can lead to delays or rejection of the application. Ensure all details match official records.

Errors in Employee Details:
Mismatched Aadhaar, PAN, or salary information can cause compliance issues and delay PF contribution processing. Double-check employee records before submission.

Late PF Contributions:
Employers must deposit PF contributions before the 15th of every month. Delays can result in interest and penalties imposed by EPFO.

Skipping Annual Returns:
Employers must file annual returns (Form 3A & Form 6A) to report employee-wise PF contributions. Non-compliance can lead to legal complications.

Failure to Generate Universal Account Numbers (UANs):
Each employee must have a Universal Account Number (UAN) for seamless PF tracking and withdrawals. Employers must ensure UAN generation and linking with Aadhaar for verification.

Why Choose Udyog Suvidha Kendra for PF Registration?

We simplify PF registration by handling end-to-end paperwork, ensuring your business meets EPFO guidelines. Our experts ensure seamless documentation, compliance, and regulatory adherence, minimizing legal risks.

1

Hassle-Free Registration & Compliance Support

We simplify PF registration by handling end-to-end paperwork, ensuring your business meets EPFO guidelines. Our experts ensure seamless documentation, compliance, and regulatory adherence, minimizing legal risks.

2

Quick Processing & Documentation Assistance

With our streamlined approach, we ensure fast application approvals and error-free documentation. From UAN activation to linking Aadhaar & bank details, we assist in every step, saving your time.

3

Dedicated PF Advisory for Businesses

Our team provides continuous support for monthly PF contributions, filing returns, and resolving EPFO queries. Stay compliant with ease and avoid penalties with our expert assistance.

PF Registration FAQs

What is PF registration, and why is it necessary?
PF (Provident Fund) registration is mandatory for businesses with 20 or more employees under the Employees’ Provident Fund Organization (EPFO). It ensures financial security for employees after retirement or during emergencies. Both employers and employees contribute a fixed percentage of the salary towards this fund, offering benefits like pension, insurance, and tax exemptions.
Every organization with 20 or more employees must register for PF under the EPF Act, 1952. However, businesses with fewer employees can also voluntarily register to provide PF benefits. Factories, startups, and service-based firms with regular employees must comply with EPFO rules to avoid penalties.
PF registration provides financial security, retirement savings, and insurance benefits. Employees can withdraw funds during emergencies, unemployment, or retirement. Additionally, they get pension benefits through the EPS (Employees’ Pension Scheme) and tax exemptions on contributions under Section 80C of the Income Tax Act.
Employees contribute 12% of their basic salary + DA towards PF, and employers match this amount. Out of the employer’s 12% contribution, 8.33% goes to the Employees’ Pension Scheme (EPS), and 3.67% remains in EPF. Small businesses with less than 20 employees contribute only 10% instead of 12%.
To register for PF, businesses must provide PAN, GST certificate, company incorporation certificate, MOA/AOA or partnership deed, canceled cheque, and employee details (Aadhaar, PAN, salary details, and UAN if available). Employers must also submit digital signatures for online verification.
PF registration generally takes 7-10 working days, provided all documents are correctly submitted. The EPFO portal verifies the application, and once approved, the employer receives a PF registration number (EPF code). Delays may occur due to incorrect documentation or verification issues.
After registration, the employer must generate a Universal Account Number (UAN) for each employee, start monthly PF deductions, and file PF returns regularly. Employers must also submit KYC details, link Aadhaar, bank account, and PAN for employees, and maintain EPFO compliance.
Yes, employees can check their PF balance online through the EPFO portal, UMANG app, or by sending an SMS to 7738299899. Withdrawals can be made for medical emergencies, home loans, education, or after retirement, subject to EPFO withdrawal rules.
Failure to register for PF or non-payment of contributions attracts penalties, including interest at 12% per annum on unpaid amounts and additional damages of 5-25%. Businesses may also face legal action or cancellation of business licenses for non-compliance.
Yes, businesses with less than 20 employees can voluntarily register for PF under EPFO. Voluntary registration allows small businesses to offer retirement benefits to employees while ensuring compliance with future regulations as the company grows.
Employers must deposit PF contributions by the 15th of every month. Late payments attract interest penalties and additional charges. Contributions must be paid online through the EPFO portal using a company’s PF account number.
Yes, contract workers, temporary employees, and trainees earning less than ₹15,000 per month must be covered under PF if employed in a company registered under EPFO. Employers must ensure compliance even for short-term employees.
Yes, businesses can update their address, ownership details, or bank account information by submitting the required documents through the EPFO employer portal. Changes in employee details like name corrections or UAN linking can also be updated online.
Udyog Suvidha Kendra offers end-to-end assistance for PF registration, compliance support, and documentation filing. We ensure error-free applications, timely approvals, and expert guidance for monthly PF contributions, return filings, and compliance management.
PF contributions are eligible for tax deductions under Section 80C of the Income Tax Act. Employee contributions, employer contributions, and the interest earned on PF accounts are tax-free, making PF an excellent investment for long-term savings.