How Many Employees are Required for PF Registration in India?

PF registration is mandatory for businesses with 20+ employees under Indian labour laws. But beyond compliance, it’s also a gateway to boosting employee trust and offering long-term financial benefits. Learn how timely registration and smart saving options like Fixed Deposits can help you build a future-ready organisation.

Why PF Registration Matters for Growing Businesses

If your business has reached 20 or more employees, PF registration is not optional—it’s a legal requirement under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. But it’s more than just a rule to follow.

PF registration helps employers:

• Stay compliant and avoid penalties
• Offer structured retirement savings to employees
• Strengthen workforce loyalty with long-term financial support

For companies with fewer than 20 employees, PF registration is voluntary but can still be a powerful retention tool.

Planning for employee benefits? Explore secure investment options like FDs. Open FD Account.

Component – Fixed deposit variants:-

For Web :–

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Heading Text <H2>			Fixed deposit variants
Description text			Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
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Key Benefits of PF Registration for Employers and Employees

PF registration has long-term advantages that extend beyond statutory compliance:

1. Structured Retirement Savings

Employees steadily build retirement wealth, giving them peace of mind during post-work years.

2. Tax Savings

PF contributions are eligible for tax deductions under Section 80C, reducing taxable income.

3. Annual Interest Earnings

The PF balance earns interest annually, adding to long-term savings growth—much like a well-structured Fixed Deposit.

4. Emergency Loan Facility

Employees can borrow from their PF in case of medical needs, home buying, or education—without high-interest loans.

You can get emergency loan facility while growing your money at an inflation beating rate. Book and FD now and also check out our Loan Against FD Rates.

5. Legal Compliance & Workforce Trust

As an employer, fulfilling your PF obligations enhances your brand’s credibility and avoids legal complications.

PF Registration: Who Needs It?

Mandatory

If your business has 20 or more employees, PF registration is compulsory. This includes:

• Permanent staff
• Contractual or temporary employees
• Part-time workers, if employed directly

Voluntary

If your team has fewer than 20 employees, you can still opt in and provide early-stage financial benefits.

Industry Exceptions

In some industries like textiles or construction, PF may be applicable even with fewer than 20 employees. Always check the specific EPFO guidelines.

If an employer fails to register within the prescribed time or neglects contributions, it may face penalties and legal consequences. Thus, businesses must evaluate their workforce size carefully and ensure compliance with the EPFO regulations. Regular monitoring of employee numbers can help maintain smooth operations regarding PF registration.

Complement your PF offering with safe savings tools like FDs. Check Eligibility.

INVERT Widget–

For web:-

Topic	Mandatory/ Optional	Char Limit	Content to update on page
Heading Text	Mandatory	90 Char	Highest Credit Ratings | Trusted with 1.4 million Deposits | Assured Returns on FD
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Value		10	12-60 months
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Value		10	Up to 8.40% p.a.
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Value		10	42 months
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Value		10	Rs. 25,001 to Rs. 3 cr
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Value		10	Up to 8.25% p.a.
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Value			Rs. 25,001 to Rs. 3 cr
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Value		10	Rs. 15,000 to $$FDMAXmaxdepositFD$$%
Field 1			Enter your mobile number
Field 2			Please enter your 10-digit mobile number to proceed
Disclaimer text	Mandatory		By proceeding, you agree to ourTerms and Conditions
XF Path			/content/experience-fragments/bajajfinserv/web/in/en/investment/deposits/fd/form-widget/master

How Employers Can Register for PF

Registering for PF is simple and online. Here’s how it works:

1. Visit the EPFO Employer Portal
2. Create an establishment login
3. Upload documents like company PAN, address proof, and employee details
4. Submit your application to receive a PF establishment code
5. Start making monthly contributions as per law

The sooner you register, the sooner your employees can start benefiting.

FDs offer additional savings stability—ideal for employee bonuses or benefit plans. Open FD Account with Bajaj Finance and get returns of up 8.60% p.a.

Also read: how to Calculate PF

PF Registration Charges and Contribution Breakdown

PF registration itself doesn’t cost anything, but there are ongoing monthly contributions:

Employer Contributions (12% of Basic Salary):

1. 3.67% to Provident Fund
2. 8.33% to Pension Scheme
3. Small portion to EDLI (insurance)

Employee Contributions:

• 12% to PF

A small admin fee is also applicable. Missing payment deadlines may lead to penalties, so timely contributions are key.

Need a no-surprise, guaranteed-return investment? Explore corporate FDs today. Check FD Rates.

Final Word: Secure Your Team's Future with PF + FD

PF registration isn’t just a checkbox for compliance—it’s a way to build trust and offer tangible financial value to your workforce. Combine this with a smart savings product like Fixed Deposits, and you give your employees both protection and growth.

Timely registration, regular contributions, and safe investment options like FDs help your organisation stand out as a responsible and future-focused employer.

Support your team’s future today. Open FD with Bajaj Finance and inflation beating returns!

Calculate your expected investment returns with the help of our investment calculators

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