PF Registration in Hyderabad – Salary Limit, Online Process & FAQs 2025

Provident Fund (PF) is a retirement savings scheme managed by the Employees’ Provident Fund Organisation (EPFO) under the Ministry of Labour, Government of India. If you are an employer or employee in Telangana, this guide answers every major question about PF Registration in Hyderabad, including how to register online, eligibility, salary limits, UAN activation, PF withdrawal, and how to check your PF balance.

📌 Section 1: How Can I Register for PF Online?

FAQs:

1. Is PF registration mandatory?
   Yes, for establishments with 20 or more employees. It is voluntary below that.

2. How do I open a PF account?
   Employers open employee PF accounts while registering them on the EPFO portal using UAN.

3. Can I work in a company without PF?
   Only if the company has less than 20 employees or is exempted. Otherwise, it’s mandatory.

4. What is the time limit for PF registration?
   Employers must register within 1 month of employing 20+ people.

5. What is the PF limit, ₹15,000 or ₹21,000?
   ₹15,000 is the wage ceiling for mandatory PF. Above that, voluntary contribution applies.

6. Can you have 2 PF accounts?
   You can’t have multiple UANs. But multiple PF accounts may be created if you change jobs.

7. Which bank PPF is best?
   PPF (Public Provident Fund) is different from EPF. SBI and HDFC offer good service.

8. Can a normal person open EPF account?
   No. Only employers can create EPF accounts for employees.

9. How can I activate my PF account online?
   Use your UAN on the EPFO Member Portal and verify your KYC to activate it.

10. How can I make my PF online?
    Employees can access PF online using their UAN and password.

11. How can I create my PF username and password?
    Visit https://unifiedportal-mem.epfindia.gov.in, click “Activate UAN,” and set credentials.

📌 Section 2: How to Apply for PF Online?

FAQs:

1. Can I withdraw my 100% PF amount?
   Yes, after retirement or 2 months of unemployment. Partial withdrawal allowed for housing, marriage, etc.

2. How is PF calculated on salary?

   • Employee: 12% of Basic + DA

   • Employer: 12% (8.33% to pension, 3.67% to PF)

3. Can I open my PF account by myself?
   No. It must be done by the employer on the EPFO portal.

4. How do I check my PF balance?

   • SMS: Send “EPFOHO UAN” to 7738299899

   • UMANG App

   • EPFO Portal

5. Can I remove my PF?
   You can withdraw PF after unemployment or retirement. Tax may apply under certain conditions.

6. Who is eligible for EPF?
   Any salaried employee with monthly basic pay ≤ ₹15,000 is mandatorily covered.

7. What is the PF for a ₹25,000 salary?
   PF is voluntary if basic pay > ₹15,000. Contribution is still 12% if opted.

8. What is CTC in salary?
   Cost To Company – total salary expense including PF, bonuses, ESI, etc.

9. What is gratuity in salary?
   It’s a lump sum paid after 5+ years of service under the Payment of Gratuity Act.

10. What is the PF rule for salary?
    Contribution is 12% of basic + DA from both employee and employer.

11. What is the interest rate on PF?
    8.15% per annum (as of FY 2024–25), revised annually by EPFO.

12. How to apply for PF registration?
    Employers can register via https://epfoeservices.in under the “Establishment Registration” tab.

📌 Section 3: What is the Fee for PF Registration?

FAQs:

1. What is the salary limit for PF registration?
   ₹15,000/month. Beyond that, employees can opt in voluntarily.

2. How to check PF balance?

   • UMANG App

   • Missed call to 9966044425

   • EPFO website using UAN

3. How to activate UAN?
   Go to https://unifiedportal-mem.epfindia.gov.in → “Activate UAN” → Enter Aadhaar or PF number.

4. Is PF compulsory?
   Yes, for companies with 20+ employees and salary below ₹15,000/month.

5. What is ESI in salary?
   ESI (Employee State Insurance) is for medical & wage benefits. It’s different from PF.

6. What is the percentage of gratuity?
   4.81% of basic pay per year of service, paid by the employer.

7. How is PF balance calculated?
   It includes monthly contributions from employee & employer + yearly interest.

8. How to activate PF account?
   Through UAN activation on EPFO portal.

9. How can I check PF balance on WhatsApp?
   WhatsApp PF balance check is currently under pilot. Use UMANG or SMS for now.

10. How to withdraw full PF amount?
    Login to https://unifiedportal-mem.epfindia.gov.in and raise Form 19 or 10C request.

11. What is the full form of UAN?
    Universal Account Number – one PF identity across all jobs.

12. How to activate an ATM card?
    Not related to PF. ATM activation is via bank. PF is linked to UAN, not card.

📌 Section 4: Is PF Registration Free?

FAQs:

1. How can I register my PF?
   Only employers can register PF through EPFO Employer Portal.

2. What is the limit of PF withdrawal?
   Depends on purpose: 100% on retirement, partial for education, housing, medical.

3. How much interest is on PF?
   8.15% (FY 2024–25), compounded annually.

4. Is PF registration free?
   Yes, there’s no government fee for PF registration. Only professional charges apply if using a consultant.

5. What is the salary limit for PF?
   ₹15,000/month for mandatory coverage. Voluntary for those earning more.

6. How to know PF office?
   Check on EPFO portal by entering PIN code or UAN region.

✅ Final Thoughts & CTA

PF registration is crucial for employee benefits, tax planning, and retirement savings. If you’re an employer in Hyderabad with 20+ staff, ensure timely PF registration to avoid penalties.

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