4 min
29-May-2025
If you are an employer covered under the EPF Act, PF compliance is a monthly affair. From contribution deposits to filing returns, missing even a single deadline can lead to penalties and disrupt employee benefits.
This guide breaks down all the essential PF payment due dates, the penalty structure, and how online payments make the process seamless.
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Need a savings cushion to manage unexpected delays or penalties? Bajaj Finance FDs allow you to break your deposit when needed, with minimal penalty—offering liquidity without compromising stability. Start with just Rs. 15,000.
Also Read: How to calculate your EPF contribution
Calculate your expected investment returns with the help of our investment calculators
This guide breaks down all the essential PF payment due dates, the penalty structure, and how online payments make the process seamless.
EPF Payment Deadlines You Need to Know
Timely contributions not only protect you from fines but also reflect your commitment to employee welfare.- Monthly PF Contributions: Must be deposited on or before the 15th of the following month.
- Return Filing: Due by the 15th of each month.
- Annual Return Filing: Submit by 25th April of every financial year.
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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 |
CTA Text | Mandatory | 40 Char | Open FD |
CTA Link | Mandatory | https://www.bajajfinserv.in/webform/Deposit/depositLandingPage#fd | |
Nudge 1 | Mandatory | Senior Citizen | |
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Interest Rate* |
Value | 10 | Up to 7.95% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Flexible Tenure |
Value | 10 | 12-60 months | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDmindepositFD$$% to %$$FDnewmaxdepositFD$$% | |
Nudge 2 | Mandatory | Non-Senior Citizen | |
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Interest Rate* |
Value | 10 | Up to 7.40% p.a. | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Tenure |
Value | 10 | 12-60 months | |
Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | Deposit Amount |
Value | 10 | %$$FDmindepositFD$$% to %$$FDnewmaxdepositFD$$% | |
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Heading Text <H1> | Mandatory | 45 Char | Fixed Deposit |
Description Text | Mandatory | 90 Char | Trusted by over 5 lakh customersFixed Deposits worth more than Rs. 50,000 crorebookedRated CRISILAAA/STABLEand [ICRA]AAA(STABLE)Special tenure of 18, 22 and 33 months offered for higher returnsUp to %$$FDsenaddinterestFD$$% p.a. extra interest offered for senior citizensFlexible interest payout optionsavailable - Monthly, Quarterly, Half-yearly, Annually or at Maturity |
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Heading 1 Text | Mandatory | 90 Char | Your consolidated deposits summary |
Right CTA 1 Text | Mandatory | 40 Char | View Portfolio |
Right CTA Link | Mandatory | https://bajajfinserv.in/myaccountlogin?Source=Loan_FD | |
Main CTA Text | OPEN FD IN 3 STEPS | ||
Main CTA Link | https://www.bajajfinserv.in/webform/Deposit/insta-landing-page | ||
Title 1 (Rate of Interest) R1 | Mandatory | 17 Char | Total Amount Invested |
Value | 10 | <API driven> | |
Title 2 (Min. Deposit) R1 | Mandatory | 17 Char | Total Interest Earned |
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Title 3 (Min. Tenor) R1 | Mandatory | 17 Char | As on Date |
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What Happens If You Miss a PF Deadline?
Delays in PF payments are costly. The EPFO imposes both penalties and interest for late contributions.- Penalty Range: 5% to 25% per annum, depending on the length of delay.
- Interest Rate: 12% per annum on the unpaid amount, applicable until the amount is settled.
Making EPF Payments Online: Step-by-Step
The EPFO portal makes compliance easier with a digital payment process. Here's how to make your PF contributions online:- Login to the EPFO employer portal using your credentials.
- Generate ECR (Electronic Challan cum Return) with monthly contribution data.
- Upload ECR and verify all entries carefully.
- Generate TRRN (Temporary Return Reference Number).
- Choose bank and complete payment via net banking.
- Download receipt for records.
Why Staying Compliant Pays Off (Literally)
Avoiding PF penalties not only saves money but also builds your credibility as an employer. A solid compliance track record means smoother audits, higher employee retention, and lower financial risk.Component – Fixed deposit variants
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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 | ||
Nudge 1 | Mandatory | Recommended | |
Text 1 | Mandatory | FD - Special Tenure -18 Months | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
CTA | Mandatory | Invest Online | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 2 | Mandatory | FD - Special Tenure - 22 Months | |
Subheading | Mandatory | INTEREST RATES UP TO 7.85% p.a. | |
CTA | Mandatory | Invest Online | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 3 | FD - Special Tenure - 33 Months | ||
Subheading | Mandatory | INTEREST RATES UP TO 7.75% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | https://www.bajajfinserv.in/investments/fixed-deposit | ||
Text 4 | Mandatory | FD - Age below 60 | |
Subheading | Mandatory | INTEREST RATES UP TO 7.40% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 5 | Mandatory | FD - Senior Citizen | |
Subheading | Mandatory | INTEREST RATES UP TO 7.95% p.a. | |
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CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
Text 6 | Mandatory | FD – Minor | |
Subheading | Mandatory | INTEREST RATES UP TO 7.40% p.a. | |
CTA Text | Mandatory | Open FD | |
CTA Link | Mandatory | https://www.bajajfinserv.in/investments/fixed-deposit | |
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Don’t Rely on Grace—Plan Ahead
Grace periods are unreliable. The PF due date is strict, and interest is calculated from the day of default. Many businesses set up reminders or automate EPF contributions via payroll software.Need a savings cushion to manage unexpected delays or penalties? Bajaj Finance FDs allow you to break your deposit when needed, with minimal penalty—offering liquidity without compromising stability. Start with just Rs. 15,000.
Conclusion
Staying on top of PF payment deadlines isn’t just about avoiding fines—it’s about being a responsible employer. Thankfully, the online process makes this easier than ever. But while you’re managing EPF contributions for employees, don’t forget to secure your own savings strategy.Also Read: How to calculate your EPF contribution
Calculate your expected investment returns with the help of our investment calculators
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