> ## Documentation Index > Fetch the complete documentation index at: https://help.omnivoo.com/llms.txt > Use this file to discover all available pages before exploring further. > ## Agent Instructions > Omnivoo is an India-first Employer of Record (EOR) platform. EOR hiring is India only; contractors are supported in 220+ countries and territories. > Never tell a user to log in with a password. Authentication is passwordless: email OTP, passkeys, Google, or SSO. > Statutory figures (TDS slabs, PF, ESI, Professional Tax, gratuity) change by financial year. Always state the year the figure applies to. > Never name a third-party payment provider as Omnivoo’s payment rail. Refer to "our payments partner". # Provident Fund (PF) > PF contributions, EPF/EPS split, ECR filing, UAN, and how Omnivoo manages your provident fund. The Employees' Provident Fund is a mandatory retirement savings scheme under the **Employees' Provident Fund and Miscellaneous Provisions Act, 1952**. Both the employee and employer contribute monthly. Omnivoo manages all PF registrations, contributions, and filings. ## How PF Works Every month, two contributions are made: | Contributor | Rate | Basis | | - | - | - | | **Employee** | 12% of Basic + DA | Deducted from salary | | **Employer** | 12% of Basic + DA | Part of CTC (not deducted from salary) | Both contributions are calculated on **Basic Salary + Dearness Allowance (DA)**, up to the EPF wage ceiling. The ceiling is **₹25,000 a month from the September 2026 payroll**. It was ₹15,000 before that. Each contribution is rounded to the nearest rupee. ## Where the Money Goes The employer's 12% is split between two sub-accounts: | Fund | Rate | Purpose | | - | - | - | | **EPF (Employee Provident Fund)** | 3.67% of Basic + DA | Retirement savings (earns interest) | | **EPS (Employee Pension Scheme)** | 8.33% of Basic + DA (on max ₹25,000) | Pension after retirement | The employee's full 12% goes to the **EPF** account. From the month you turn **58**, nothing more goes to EPS. The employer's full 12% goes to your EPF account instead. The same happens if your PF has no pension share at all. That is the case if you first joined PF after 1 September 2014 on more than ₹15,000 a month, and your PF passbook shows it. Tick **My PF has no pension (EPS) share** beside your UAN on your profile, and payroll puts the employer's full 12% in your EPF from the next run. **Example:** Employee with Basic + DA of ₹50,000/month: | | Calculation | Amount | | - | - | - | | Employee EPF contribution | 12% of ₹25,000\* | ₹3,000 | | Employer EPF contribution | 12% of ₹25,000 less EPS | ₹917 | | Employer EPS contribution | 8.33% of ₹25,000\* | ₹2,083 | \*Contributions are capped at the ₹25,000 (Basic + DA) ceiling for the statutory minimum. If you were hired with PF on your full Basic + DA, payroll deducts 12% of the full amount from you and adds the same from your employer every month. The **EPS** portion is always capped at the ceiling whichever your employer chooses. For payroll months before September 2026 the same example works out to ₹1,800, ₹550 and ₹1,250 on the old ₹15,000 ceiling. ## EDLI Alongside PF, your employer pays **EDLI** (Employees' Deposit Linked Insurance) at **0.5% of Basic + DA**, capped at the same wage ceiling (₹125 a month at ₹25,000). It is an employer-only cost, so it never comes out of your salary, and it funds a life-insurance benefit tied to your PF membership. ## When PF does not apply PF is not deducted in two cases: * **Your employer's establishment is not covered.** The Act binds an establishment below the twenty-employee threshold to nothing at all, so no one there contributes. * **You have no UAN and your Basic + DA is above the ceiling (₹25,000 from September 2026).** Under para 2(f) you are an excluded employee, and neither side contributes. If you already have a UAN from a previous job, give it during onboarding and PF applies as normal. EPF currently earns interest at approximately 8.25% per annum (rate set by EPFO annually). This interest is tax-free up to ₹2,50,000 of annual EPF contributions. ## UAN (Universal Account Number) Every PF member gets a **UAN (Universal Account Number)**, a permanent, portable PF ID: * **New employees:** If you do not have a UAN, Omnivoo creates one during onboarding. * **Existing UAN:** If you already have a UAN from a previous employer, provide it during onboarding. Omnivoo transfers your PF account under the same UAN. * **EPFO member portal:** Track your PF balance at [unifiedportal-mem.epfindia.gov.in](https://unifiedportal-mem.epfindia.gov.in). Always keep your UAN linked to your Aadhaar and bank account. This makes PF withdrawal and transfer faster when you change jobs. ## ECR Filing Omnivoo files the **Electronic Challan cum Return (ECR)** with EPFO every month: 1. **By the 15th** of each month, Omnivoo deposits PF contributions for the previous month. 2. The ECR includes employee-wise contribution details. 3. EPFO processes the ECR and credits individual PF accounts. 4. Employees can verify credits on the EPFO member portal within 3-5 business days. ## PF Withdrawal You can withdraw PF in these situations: | Situation | What You Can Withdraw | | - | - | | Retirement (age 58) | Full EPF + EPS pension | | Unemployment (60+ days) | Full EPF balance | | Home purchase | Up to 90% of EPF balance (after 5 years of service) | | Medical emergency | Up to 6 months' Basic from EPF | | Marriage | Up to 50% of employee's share from EPF | | Education | Up to 50% of employee's share from EPF | Withdrawing PF before 5 years of continuous service makes the employer's contribution taxable. The interest earned also becomes taxable. It is generally better to transfer PF when changing jobs rather than withdrawing. ## PF Transfer When Joining Omnivoo If you had a PF account with a previous employer: 1. Provide your existing UAN during onboarding. 2. Omnivoo initiates a PF transfer request online. 3. Your previous employer approves the transfer. 4. The balance is transferred to your new PF member ID under the same UAN. 5. Transfer typically takes 15-30 days. ## For Employers: PF Compliance Omnivoo handles all PF compliance: * Monthly ECR filing and contribution deposit * Annual PF returns * UAN generation and management * Transfer requests for new joiners * PF settlement for exiting employees Employers do not need to interact with EPFO directly. All PF costs are included in the employee's CTC. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.