EPFO wage ceiling rises to ₹25,000: How much will go towards your PF, EPS and EDLI in September 2026?
Mint 1 hr ago·29 Sept 2026, 12:34 pm
The Employees’ Provident Fund Organisation (EPFO) has announced that from 17 September 2026 the wage ceiling used to calculate statutory contributions will increase to ₹25,000 per month, up from the earlier limit. This ceiling determines the maximum salary on which both employee and employer contributions to the Employees’ Provident Fund (EPF), the Employees’ Pension Scheme (EPS) and the Employee Deposit Linked Insurance (EDLI) are calculated.
For workers earning below the new ceiling, such as a ₹20,000 monthly salary, the contribution rates remain unchanged – 12% of basic wages from the employee and a matching 12% from the employer, split between EPF and EPS as per existing rules. The higher ceiling mainly benefits higher‑paid staff, allowing a larger portion of their salary to be directed into retirement and insurance accounts.
Investors should keep an eye on how employers adjust payroll structures to stay within the new limit, and whether the government announces further revisions to the ceiling. Changes in contribution amounts can affect disposable income and long‑term savings, which may influence consumer spending and broader market sentiment.
Excerpt from Mint
The EPFO wage ceiling has risen to ₹ 25,000 from 17 September 2026. If you earn ₹ 20,000, your September EPF and EPS contribution depends on your membership status. Here are three scenarios showing how much you and your employer contribute, and how EDLI applies. The Employees’ Provident Fund Organisation ( EPFO ) has…Read the original at Mint
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