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EPF Scheme 2026: After ₹1,800 Mandatory Cap, Should You Reduce PF Contributions To Increase Take-Home Salary?

The notification of the Employees’ Provident Fund (EPF) Scheme, 2026, effective from June 29, 2026, has sparked a nationwide debate among salaried employees. The new scheme, introduced under the Code on Social Security, 2020, replaces the seven-decade-old EPF Scheme, 1952. While the contribution rate of 12% remains unchanged, the scheme has formally clarified that the mandatory EPF contribution is […]