EPFO Registration

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overview

What is EPFO Registration?

EPF is mandatory for businesses with 20 or more employees. Both employer and employee contribute 12% of the employee’s basic salary monthly toward a retirement fund — building long-term financial security for your team.

Voluntary registration is possible even before reaching the 20-employee threshold. Employee contributions qualify for deduction under Section 80C of the Income Tax Act, and employer contributions are a fully deductible business expense that reduces taxable income. Swasthik Capitals manages EPFO registration, UAN generation, and monthly PF filing for complete provident fund compliance.

Did you know? If your business employs 20 or more employees, EPF registration is mandatory to provide retirement and social security benefits.

Benefits

Ensure employee retirement security while staying compliant with EPF regulations.

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Mandatory Retirement Savings for Employees

EPF creates a disciplined long-term savings fund — every employee accumulates a retirement corpus entirely through payroll contributions.

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Tax Benefits for Employees (Section 80C)

Employee EPF contributions qualify for income tax deduction under Section 80C, up to ₹1.5 lakhs per year.

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Employer Contribution is Tax-Deductible

Your 12% employer contribution is a fully deductible business expense, reducing your company's taxable income directly.

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Employee Loyalty & Retention

EPF is a significant retention tool — employees value the long-term security it provides, especially for mid and senior-level hires.

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Pension Benefit via EPS

8.33% of the employer's contribution goes into the Employee Pension Scheme (EPS), providing a monthly pension after retirement.

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Avoidance of EPFO Penalties

Non-compliance with EPF attracts penalties and potential prosecution. Timely Swasthik Capitals-managed filing eliminates this risk.

Documents Required

Document Checklist

Basic business, employee, and identity details are required for EPF registration.

Registration Process

How We Complete Your EPF Registration

1

Eligibility Review

Swasthik Capitals reviews your employee count and payroll structure to confirm mandatory EPF applicability or advise on voluntary registration.

2

Establishment Registration on EPFO Portal

We register your business on the EPFO Unified Portal and obtain your 7-digit PF Code Number.

3

UAN Generation for All Employees

Universal Account Numbers (UAN) are generated for every eligible employee — a portable PF account linked across employers.

4

KYC Linking & Activation

Employees' Aadhaar, PAN, and bank details are linked to their UAN for seamless claim processing and transfers.

5

Monthly ECR Filing & Challan Payment

Swasthik Capitals files the Electronic Challan cum Return (ECR) every month and ensures contributions are remitted by the 15th of each month.

6

Ongoing Support & Exits

Swasthik Capitals handles new employee additions, exit processing, EPF transfer requests, and resolution of EPFO queries on your behalf.

FAQ

Frequently Asked Questions

EPF registration is mandatory once your business employs 20 or more persons. You can also voluntarily register before this threshold to provide retirement benefits to your team.

All employees with a monthly basic salary up to ₹15,000 are mandatorily covered. Employees earning above this may opt in voluntarily if both employer and employee agree.

The 12% employee contribution goes entirely into EPF. The employer's 12% is split — 3.67% to EPF and 8.33% to the Employee Pension Scheme (EPS), which provides pension after retirement.

Partial withdrawals are allowed for specific purposes like home purchase, medical emergencies, marriage, or education. Full withdrawal is permitted upon retirement or two months of unemployment.

Late EPF payments attract damages ranging from 5% to 25% of arrears depending on delay duration, plus 12% annual interest. Persistent non-compliance can result in prosecution.