{"id":1199,"date":"2024-05-16T10:31:23","date_gmt":"2024-05-16T10:31:23","guid":{"rendered":"https:\/\/plutusco.com\/blogs\/?p=1199"},"modified":"2025-09-02T11:50:30","modified_gmt":"2025-09-02T11:50:30","slug":"deduction-from-salary-mandatory-provident","status":"publish","type":"post","link":"https:\/\/plutusco.com\/blogs\/deduction-from-salary-mandatory-provident\/","title":{"rendered":"Whether deduction from salary by Employer on account of Provident Fund is mandatory? Understanding the intent behind the provisions."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1199\" class=\"elementor elementor-1199\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d1f8c6 e-flex e-con-boxed e-con e-parent\" data-id=\"5d1f8c6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d3e672c e-con-full e-flex e-con e-child\" data-id=\"d3e672c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40451ea exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"40451ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"blog_details_content\"><div><h2 class=\"mainh1\">\u00a0Salary Savings Simplified: Demystifying Provident Fund (PF) Deductions in India<img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-1895\" style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-size: var( --e-global-typography-text-font-size ); font-weight: var( --e-global-typography-text-font-weight ); text-align: var(--text-align);\" src=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-2.webp\" alt=\"\" width=\"1200\" height=\"800\" srcset=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-2.webp 1200w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-2-300x200.webp 300w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-2-1024x683.webp 1024w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-2-768x512.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><span style=\"color: var(--ast-global-color-2); font-size: 24px; font-style: inherit; text-align: var(--text-align);\"> introduction\u00a0 <\/span><\/h2><p class=\"mainh1\"><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; color: #000000; font-size: 18px; font-weight: 500;\">For many Indian employees, the term &#8220;Provident Fund&#8221; (PF) appears regularly on their pay slips. But what\u00a0 <\/span><span style=\"color: #000000; font-size: 18px; font-style: inherit; font-weight: 500; font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">exactly is PF, and why is a portion of your deduction from salary towards it? This blog dives into the world of PF <\/span><span style=\"color: #000000; font-size: 18px; font-style: inherit; font-weight: 500; font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">deductions, explaining their mandatory nature and the benefits they offer.\u00a0\u00a0<\/span><\/p><h2 class=\"mainh1\"><span style=\"color: var(--ast-global-color-2); font-size: 24px; font-style: inherit; text-align: var(--text-align);\">2. Understanding the Provident Fund: A Safety Net for Your Future\u00a0 <\/span><\/h2><p class=\"mainh1\"><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; color: #000000; font-size: 18px; font-weight: 500;\">The Employees&#8217; Provident Funds and Miscellaneous Provisions Act, 1952, established the Employees&#8217; Provident\u00a0<\/span><span style=\"font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-style: inherit; color: #000000; font-size: 18px; font-weight: 500;\">Fund Organization (EPFO). The EPFO manages the Provident Fund scheme, a social security initiative for\u00a0<\/span><span style=\"color: #000000; font-size: 18px; font-style: inherit; font-weight: 500; font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">Indian employees. Here&#8217;s a breakdown of the key aspects: <\/span><\/p><h2 class=\"mainh1\"><strong style=\"font-size: 18px; font-style: inherit; text-align: justify; font-family: var( --e-global-typography-text-font-family ), Sans-serif;\">2.1 Contribution:<\/strong><span style=\"color: #000000; font-size: 18px; font-style: inherit; font-weight: 500; font-family: var( --e-global-typography-text-font-family ), Sans-serif;\"> Both employers and employees contribute a specific percentage of the<\/span><\/h2><\/div><ul><li>employee&#8217;s basic salary towards the PF. This contribution goes into an individual account for each<br \/>employee.<\/li><li><strong>2.2 Investment and Interest:<\/strong> The PF contributions are invested in government securities<br \/>and other approved schemes. The EPFO declares an interest rate on these contributions annually.<\/li><li><strong>2.3 Withdrawal:<\/strong> Employees can access their PF accumulations under certain conditions,<br \/>such as retirement, unemployment, or medical emergencies.<\/li><\/ul><div class=\"custom_blog_image\"><a href=\"https:\/\/cleartax.in\/s\/income-tax-allowances-and-deductions\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignnone wp-image-1647 size-full\" src=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/16.png\" alt=\"\" width=\"1200\" height=\"800\" srcset=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/16.png 1200w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/16-300x200.png 300w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/16-1024x683.png 1024w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/16-768x512.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/a><\/div><h2 class=\"mainh1\">3. The Mandate Behind PF Deductions: Security and Stability<\/h2><p>The mandatory nature of PF deductions is driven by a clear intent: to provide financial security for<br \/>employees after retirement. Here&#8217;s a closer look at the rationale:<\/p><ul><li><strong>3.1 Retirement Planning:<\/strong> PF acts as a long-term savings scheme, encouraging regular<br \/>contributions that accumulate over an employee&#8217;s working life.<\/li><li><strong>3.2 Social Security Measure:<\/strong> PF serves as a social security measure, ensuring a basic<br \/>level of financial support for retired employees.<\/li><li><strong>3.3 Financial Discipline:<\/strong> The mandatory nature of PF deductions instills a sense of deduction from salary<br \/>financial discipline among employees.<\/li><\/ul><h2 class=\"mainh1\">4. Data Dive: Numbers Highlighting PF&#8217;s Importance<\/h2><p>Let&#8217;s look at some data to illustrate the significance of PF deductions:<\/p><ul><li><strong>4.1 Number of Subscribers:<\/strong> As of March 2023, the EPFO has over 6.4 crore active<br \/>members, highlighting the widespread reach of the PF scheme.<\/li><li><strong>4.2 Average Monthly Contribution:<\/strong> The average monthly contribution to PF by employees deduction from salary<br \/>and employers combined is estimated to be around Rs. 18,000.<\/li><li><strong>4.3 Retirement Corpus Potential:<\/strong> With regular contributions and accrued interest, PF<br \/>accumulations can provide a substantial retirement corpus, offering financial security in later years.<\/li><\/ul><div class=\"custom_blog_image\"><img decoding=\"async\" class=\"alignnone size-full wp-image-1648\" src=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/18.webp\" alt=\"\" width=\"1200\" height=\"800\" \/><\/div><h2 class=\"mainh1\">5. The Breakdown: Who Pays What and How Much?<\/h2><p>The current PF contribution structure involves both employers and employees:<\/p><ul><li><strong>5.1 Employee Contribution:<\/strong> Employees contribute 12% of their basic salary towards the deduction from salary<br \/>PF.<\/li><li><strong>5.2 Employer Contribution:<\/strong> Employers also contribute 12% of the employee&#8217;s basic salary<br \/>towards the PF.<\/li><\/ul><h2 class=\"mainh1\">6. Important Considerations: Exemptions and Limits<\/h2><p>While PF deductions are mandatory for most salaried employees, there are some exemptions:<\/p><ul><li><strong>6.1 Salary Threshold:<\/strong> Employees earning a monthly basic salary of less than Rs. 15,000<br \/>have the option to opt-out of the PF scheme through a joint declaration with their employer.<\/li><li><strong>6.2 Existing Pension Schemes:<\/strong> Employees already covered under other government pension<br \/>schemes like Central Government Civil Services (CGHS) are exempt from PF deductions.<\/li><\/ul><div class=\"custom_blog_image\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-1894\" src=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/17.webp\" alt=\"\" width=\"1200\" height=\"800\" srcset=\"https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/17.webp 1200w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/17-300x200.webp 300w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/17-1024x683.webp 1024w, https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/17-768x512.webp 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/div><h2 class=\"mainh1\">7. Beyond the Mandate: Additional Benefits of PF<\/h2><p>The benefits of PF extend beyond the mandatory nature of deductions:<\/p><ul><li><strong>7.1 Tax Advantages:<\/strong> Both employer and employee contributions towards PF are<br \/>tax-deductible, offering tax-saving benefits.<\/li><li><strong>7.2 Interest Earnings:<\/strong> The annual interest rate declared by the EPFO provides a deduction from salary<br \/>guaranteed return on PF contributions, promoting long-term wealth creation.<\/li><li><strong>7.3 Loan Benefits:<\/strong> Employees can avail of various loan facilities against their PF<br \/>accumulations, such as housing loans, education loans, and medical loans.<\/li><\/ul><h2 class=\"mainh1\">8. The Takeaway: Embracing PF for a Secure Future<\/h2><p>While PF deductions might seem like a reduction in your take-home salary, they hold significant value. The deduction from salary<br \/>long-term benefits of a secure retirement corpus, tax advantages, and loan facilities make PF a valuable<br \/>tool for financial planning.<\/p><h2 class=\"mainh1\">9. The Road Ahead: Navigating PF Regulations and Maximizing Benefits<\/h2><p>Understanding your PF deductions and effectively utilizing them requires some practical knowledge:<\/p><ul><li><strong>Checking Your PF Account:<\/strong> Employees can access their EPFO accounts online using their<br \/>Universal Account Number (UAN).<\/li><li><strong>Transferring PF Accounts:<\/strong> Job hopping is a common reality in today&#8217;s work environment.<br \/>When you change jobs, you can transfer your existing PF accumulations to your new employer&#8217;s PF account.<\/li><li><strong>Claiming PF:<\/strong> Employees can withdraw their PF accumulations under various circumstances,<br \/>including retirement, unemployment, or specific emergencies.<\/li><\/ul><h2 class=\"mainh1\">10. The Future of PF: Evolving Landscape and Potential Changes<\/h2><p>The PF landscape in India is constantly evolving. Here are some key trends to watch:<\/p><ul><li><strong>Increasing Minimum Wage and PF Coverage:<\/strong> As India&#8217;s minimum wage increases, more deduction from salary<br \/>employees might become eligible for mandatory PF coverage.<\/li><li><strong>Technological Advancements:<\/strong> The EPFO is continuously adopting new technologies to<br \/>simplify PF management for employees.<\/li><li><strong>Pension Reforms:<\/strong> Discussions are ongoing regarding potential reforms to the pension<br \/>system in India.<\/li><\/ul><h2 class=\"mainh1\">11. Conclusion: A Collaborative Effort for a Secure Future<\/h2><p>The mandatory nature of PF deductions is a testament to its importance in ensuring financial security for<br \/>Indian employees. By understanding the rationale behind PF, employees can actively participate in managing<br \/>their accounts, maximize the benefits offered, and make informed decisions about their retirement planning.<br \/>Employers too, play a crucial role in ensuring timely PF contributions, promoting financial literacy among<br \/>their workforce, and staying updated on evolving regulations. Finally, the EPFO&#8217;s commitment to<br \/>technological advancements and its role in facilitating smooth PF transfers can significantly enhance the<br \/>overall experience for employees. Together, employees, employers, and the EPFO can work towards a future<br \/>where PF serves as a strong foundation for a secure and prosperous retirement for all.<\/p><p><strong>Disclaimer:<\/strong> <a href=\"https:\/\/plutusco.com\/contact.php\">This blog is for informational purposes only and should not be considered as legal or tax advice. For specific queries regarding your PF account or claiming benefits, consult the official EPFO website or a qualified financial advisor.<\/a><\/p><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-227a277 upk-ss-btns-view-icon-text upk-layout-style--inline upk-ss-position--default upk-ss-btns-style-flat upk-ss-btns-color-original exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-upk-social-share\" data-id=\"227a277\" data-element_type=\"widget\" data-widget_type=\"upk-social-share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"upk-social-share upk-ep-grid\">\n\t\t\t\t\t\t\t<div class=\"upk-social-share-item upk-ep-grid-item\">\n\t\t\t\t\t<div class=\"upk-ss-btn upk-ss-facebook\" data-social=\"facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-ss-icon\">\n\t\t\t\t\t\t\t\t<i class=\"upk-icon-facebook\"><\/i>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"upk-social-share-text upk-inline\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-social-share-title\">\n\t\t\t\t\t\t\t\t\t\tFacebook\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"upk-social-share-item upk-ep-grid-item\">\n\t\t\t\t\t<div class=\"upk-ss-btn upk-ss-linkedin\" data-social=\"linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-ss-icon\">\n\t\t\t\t\t\t\t\t<i class=\"upk-icon-linkedin\"><\/i>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"upk-social-share-text upk-inline\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-social-share-title\">\n\t\t\t\t\t\t\t\t\t\tLinkedin\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"upk-social-share-item upk-ep-grid-item\">\n\t\t\t\t\t<div class=\"upk-ss-btn upk-ss-twitter\" data-social=\"twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-ss-icon\">\n\t\t\t\t\t\t\t\t<i class=\"upk-icon-twitter\"><\/i>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"upk-social-share-text upk-inline\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-social-share-title\">\n\t\t\t\t\t\t\t\t\t\tTwitter\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"upk-social-share-item upk-ep-grid-item\">\n\t\t\t\t\t<div class=\"upk-ss-btn upk-ss-pinterest\" data-social=\"pinterest\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-ss-icon\">\n\t\t\t\t\t\t\t\t<i class=\"upk-icon-pinterest\"><\/i>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"upk-social-share-text upk-inline\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"upk-social-share-title\">\n\t\t\t\t\t\t\t\t\t\tPinterest\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-03bbff1 e-con-full e-flex e-con e-child\" data-id=\"03bbff1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2e61dd0 stickyy e-flex e-con-boxed e-con e-child\" data-id=\"2e61dd0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-309f6f6 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-heading\" data-id=\"309f6f6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FEATURED POSTS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99ef530 elementor-grid-1 elementor-posts--thumbnail-none elementor-grid-tablet-2 elementor-grid-mobile-1 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-posts\" data-id=\"99ef530\" data-element_type=\"widget\" data-settings=\"{&quot;classic_columns&quot;:&quot;1&quot;,&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5006 post type-post status-publish format-standard has-post-thumbnail hentry category-income-tax-act tag-engineering tag-tag-3\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/plutusco.com\/blogs\/gst-council\/\">\n\t\t\t\tGST Council Clears Two-Tier Tax Slabs; \u20b948,000 Crore Revenue Impact Expected\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-5000 post type-post status-publish format-standard has-post-thumbnail hentry category-income-tax-act tag-engineering tag-tag-3\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/plutusco.com\/blogs\/financial-audits\/\">\n\t\t\t\tThe Role of Financial Audits in Ensuring Legal Compliance: What You Need to Know\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4995 post type-post status-publish format-standard has-post-thumbnail hentry category-income-tax-act tag-engineering tag-tag-3\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/plutusco.com\/blogs\/transfer-pricing\/\">\n\t\t\t\tunderstanding Transfer Pricing: Legal Considerations for Multinational Corporations\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4990 post type-post status-publish format-standard has-post-thumbnail hentry category-income-tax-act tag-engineering tag-tag-3\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/plutusco.com\/blogs\/law-regarding-divorce-in-india\/\">\n\t\t\t\tWomen\u2019s Legal Rights During Divorce in India\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-4984 post type-post status-publish format-standard has-post-thumbnail hentry category-income-tax-act tag-engineering tag-tag-3\">\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h5 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/plutusco.com\/blogs\/jointly-owned-property-after-divorce\/\">\n\t\t\t\tDivorce and Property: How Joint Assets Are Handled Legally\t\t\t<\/a>\n\t\t<\/h5>\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00a0Salary Savings Simplified: Demystifying Provident Fund (PF) Deductions in India introduction\u00a0 For many Indian employees, the term &#8220;Provident Fund&#8221; (PF) appears regularly on their pay<\/p>\n","protected":false},"author":2,"featured_media":1891,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[14],"tags":[9,8],"class_list":["post-1199","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-labour-laws","tag-engineering","tag-tag-3"],"uagb_featured_image_src":{"full":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",1200,800,false],"thumbnail":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1-150x150.webp",150,150,true],"medium":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1-300x200.webp",300,200,true],"medium_large":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1-768x512.webp",768,512,true],"large":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1-1024x683.webp",1024,683,true],"1536x1536":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",1200,800,false],"2048x2048":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",1200,800,false],"cresta-large":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",1050,700,false],"cresta-medium":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",500,333,false],"cresta-blog":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",500,333,false],"cresta-blog-2":["https:\/\/plutusco.com\/blogs\/wp-content\/uploads\/2024\/07\/6-1.webp",80,53,false]},"uagb_author_info":{"display_name":"Vishali bhardwaj","author_link":"https:\/\/plutusco.com\/blogs\/author\/vishali-bhardwaj\/"},"uagb_comment_info":0,"uagb_excerpt":"\u00a0Salary Savings Simplified: Demystifying Provident Fund (PF) Deductions in India introduction\u00a0 For many Indian employees, the term &#8220;Provident Fund&#8221; (PF) appears regularly on their pay","_links":{"self":[{"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/posts\/1199"}],"collection":[{"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/comments?post=1199"}],"version-history":[{"count":60,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/posts\/1199\/revisions"}],"predecessor-version":[{"id":4935,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/posts\/1199\/revisions\/4935"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/media\/1891"}],"wp:attachment":[{"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/media?parent=1199"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/categories?post=1199"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/plutusco.com\/blogs\/wp-json\/wp\/v2\/tags?post=1199"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}