{"id":139135,"date":"2024-11-19T13:23:51","date_gmt":"2024-11-19T07:53:51","guid":{"rendered":"https:\/\/tradebrains.in\/features\/?p=139135"},"modified":"2024-11-19T13:23:56","modified_gmt":"2024-11-19T07:53:56","slug":"government-to-raise-epf-ceiling-to-21000-how-will-this-effect-your-salary","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/features\/government-to-raise-epf-ceiling-to-21000-how-will-this-effect-your-salary\/","title":{"rendered":"Government to raise EPF ceiling to \u20b921,000; How will this effect your salary?"},"content":{"rendered":"<div class=\"trade-content_2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2879679146\"><p><a href=\"https:\/\/tradebrains.in\/get\/telegram\/\"><img decoding=\"async\" class=\"alignnone wp-image-101992\" src=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2023\/01\/telegram-channel-300x119.png\" alt=\"\" width=\"148\" height=\"59\" \/><\/a> <a href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMN3Epgswxc--Aw?hl=en-IN&amp;gl=IN&amp;ceid=IN%3Aen\"><img decoding=\"async\" class=\"alignnone wp-image-123430\" src=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news-300x82.png\" alt=\"follow-on-google-news\" width=\"222\" height=\"61\" srcset=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news-300x82.png 300w, https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news-150x41.png 150w, https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2024\/05\/follow-on-google-news.png 468w\" sizes=\"(max-width: 222px) 100vw, 222px\" \/><\/a><\/p>\n<\/div><p>The Employees\u2019 Provident Fund (EPF) is a government-backed savings scheme for salaried employees, aimed at providing financial security during retirement. Under this, employees and employers each contribute 12% of the employee&#8217;s basic salary to the EPF account. The accumulated funds earn interest, which is compounded annually.&nbsp;&nbsp;<\/p><div class=\"trade-content_7\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2486544084\"><!-- Composite Start --> \r\n <div id=\"M923760ScriptRootC1549812\"> \r\n <\/div> \r\n <script src=\"https:\/\/jsc.mgid.com\/t\/r\/tradebrains.in.1549812.js\" async> \r\n <\/script> \r\n <!-- Composite End --><\/div><p>The Employees\u2019 Pension Scheme (EPS) is a pension plan under the EPF framework. A portion of the employer\u2019s contribution (8.33%) is diverted to EPS, capped at \u20b91,250 for employees earning \u20b915,000 or less. This scheme provides a monthly pension post-retirement based on service years and average salary. EPS ensures long-term financial stability for employees and their families.<\/p><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Key Changes to EPF and EPS Contributions:&nbsp;<\/strong><\/h2><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Increased EPS Wage Ceiling&nbsp;&nbsp;<\/strong><\/h2><p>At present, employees with a basic salary above \u20b915,000 per month do not qualify for the EPS. The proposed wage limit increase to \u20b921,000 will allow more employees to participate in the pension scheme, enhancing retirement benefits. For instance, an employee earning \u20b921,000 monthly would now become eligible for EPS, securing a pension upon retirement.&nbsp;&nbsp;<\/p><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Revised Contribution Dynamics&nbsp;&nbsp;<\/strong><\/h2><p>Currently, employers contribute 12% of an employee\u2019s basic salary towards the EPF account, with 8.33% (capped at \u20b91,250) allocated to EPS. The remaining 3.67%, along with the employee\u2019s 12%, goes directly into the EPF account. If the wage ceiling rises, the EPS contribution will increase to \u20b91,749 (8.33% of \u20b921,000), leaving a smaller portion for EPF contributions. This adjustment boosts pension savings but slightly reduces the EPF corpus.&nbsp;&nbsp;<\/p><div class=\"trade-content_5\" id=\"trade-3906979957\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- in_content_2_news -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"7925020301\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Benefits and Drawbacks:&nbsp;<\/strong><\/h2><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Enhanced Retirement Pension&nbsp;&nbsp;<\/strong><\/h2><p>The monthly pension calculation formula is:&nbsp;&nbsp;<\/p><p>(Years of Service \u00d7 Average Salary of Last 60 Months) \u00f7 70.&nbsp;&nbsp;<\/p><p>With the ceiling increase, the average salary used for EPS calculations rises from \u20b915,000 to \u20b921,000. For example, an employee with 32 years of service could see their pension increase from \u20b96,857 to \u20b99,600 monthly, ensuring better financial security post-retirement.&nbsp;&nbsp;<\/p><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Impact on Salary and Savings&nbsp;&nbsp;<\/strong><\/h2><p>Employees near the revised ceiling may experience higher salary deductions due to increased EPS contributions. While this translates to a larger pension fund, it reduces their take-home pay.&nbsp;&nbsp;<\/p><h2 class=\"wp-block-heading has-medium-font-size\"><strong>Conclusion <\/strong>&nbsp;<\/h2><p>Raising the EPF wage ceiling to \u20b921,000 is a pivotal reform aimed at broadening EPFO&#8217;s coverage and providing better retirement security. By increasing EPS eligibility and contributions, the move ensures a higher pension payout for employees. However, it also brings challenges, such as reduced EPF savings and a lower take-home salary for certain employees. Despite these drawbacks, the long-term benefits, including improved financial stability during retirement, make this a significant step in strengthening India\u2019s social security framework. This initiative reflects the government\u2019s commitment to improving workers&#8217; welfare in a dynamic economic landscape.<\/p><blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p><strong>Written By: Dipangshu Kundu<\/strong><\/p><\/blockquote><h2 class=\"wp-block-heading\" id=\"h-disclaimer\"><strong>Disclaimer<\/strong><\/h2><div class=\"wp-block-image\"><figure class=\"aligncenter\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/tradebrains.in\/features\/wp-content\/uploads\/2022\/02\/warning-disclaimer-300x300.png\" alt=\"\" class=\"wp-image-26306\"\/><\/figure><\/div><p><strong>The views and investment tips expressed by investment experts\/broking houses\/rating agencies on&nbsp;<a href=\"https:\/\/tradebrains.in\/\">tradebrains.in<\/a>&nbsp;are their own, and not that of the website or its management. Investing in equities poses a risk of financial losses. Investors must therefore exercise due caution while investing or trading in stocks. Dailyraven Technologies or the author are not liable for any losses caused as a result of the decision based on this article. Please consult your investment advisor before investing<\/strong>.<\/p><div class=\"trade-content-10\" id=\"trade-1863183490\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-4023722985638610\"\r\n     crossorigin=\"anonymous\"><\/script>\r\n<!-- in_content_3_news -->\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-4023722985638610\"\r\n     data-ad-slot=\"2969612066\"\r\n     data-ad-format=\"auto\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div><div class=\"trade-after-content\" id=\"trade-3916735668\"><div id=\"taboola-below-article-thumbnails\"><\/div>\r\n<script type=\"text\/javascript\">\r\n  window._taboola = window._taboola || [];\r\n  _taboola.push({\r\n    mode: 'alternating-thumbnails-a',\r\n    container: 'taboola-below-article-thumbnails',\r\n    placement: 'Below Article Thumbnails',\r\n    target_type: 'mix'\r\n  });\r\n<\/script>\r\n<script type=\"text\/javascript\">\r\n  window._taboola = window._taboola || [];\r\n  _taboola.push({flush: true});\r\n<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>The Employees\u2019 Provident Fund (EPF) is a government-backed savings scheme for salaried employees, aimed at providing financial security during retirement. Under this, employees and employers each contribute 12% of the employee&#8217;s basic salary to the EPF account. The accumulated funds earn interest, which is compounded annually.&nbsp;&nbsp; The Employees\u2019 Pension Scheme (EPS) is a pension plan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":117384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[31,1789],"tags":[24709,24708,948,936],"class_list":["post-139135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-trending-news","tag-epf-contribution","tag-eps-contributions","tag-stock-market","tag-stock-market-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v25.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Government to raise EPF ceiling to \u20b921,000; How will this effect your salary? - Trade Brains Features<\/title>\n<meta name=\"description\" content=\"The Employees\u2019 Provident Fund (EPF) is a government-backed savings scheme for salaried employees, aimed at providing financial security during retirement. 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