evidence: An employee under the EPF scheme must make a fixed contribution of 12% of their basic salary and dearness allowance (DA) to the scheme. Their employer matches this EPF percentage. Employees can also invest more than the essential 12% of their pay under the Volunteer Provident Fund provisions. Hence, you may use this tool as a Provident Fund or PF calculator to estimate how much you can accumulate when contributing up to 100% of your salary under the scheme. [...] When you contribute 12% of your salary, the money is invested directly in the EPF. But your employer's matching contributions are allocated across the EPF, EPS, and EDLI such that: [...] Your EPF contribution percentage is 12%. That means 12% of Rs 15,000, which is equal to Rs 1,800. How the EPF amount is calculated differs for the employers because their contribution gets allocated to other schemes managed by the EPFO. Your employer will contribute 3.67% of your salary, which equals Rs 550.5 (3.67% of Rs 15,000).