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PF penalty calculator

Paid PF (Provident Fund) late? Calculate the extra amount EPFO (the PF office) can charge.

The full PF for that month for all your employees that was paid late (or is still unpaid), as on your PF payment slip (challan).

The month the salary was for, not the month you paid.

Due date (15th of the next month):

Paid late before? We can file every month, so it doesn't happen again.

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How PF late payment costs are calculated

PF (also called EPF) is due by the 15th of the next month. If you pay late, EPFO can charge two extra amounts on top of the unpaid PF: interest and damages (a fine for paying late). This calculator calculates both, so you know roughly what you may owe.

Interest

Interest is 12% a year on the unpaid amount. It is counted for each day from the due date until the day you pay. It is charged on every late payment.

Damages

Damages are a fine on top of the interest. The rate depends on when the payment was due:

  • Due on or after 14 June 2024: a monthly rate, based on how late you pay. Less than 2 months late: 0.25% a month. 2 months or more, but less than 4: 0.5% a month. 4 months or more: 1% a month. In this estimate, part of a month counts as a full month. Damages can't be more than the unpaid amount.
  • Due before 14 June 2024: a yearly rate that goes up the longer you are late: 5% (less than 2 months), 10% (2 months or more, but less than 4), 15% (4 months or more, but less than 6), 25% (6 months or more). Damages can't be more than the unpaid amount.

Was your PF due before 14 June 2024, and paid after it? The rules for this are not clear. Call us to check.

EPFO decides whether to charge damages, and how much. So the damages figure is an estimate, not a bill.

Note: This calculator gives an estimate. It is not the final amount. EPFO decides the final amount after it looks at your case. Checked against the rules as of 27 September 2026.

More help with PF and ESI

ESI penalty calculator What will paying ESI late cost? PF contribution calculator How much PF do you and your employee pay each month?

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Common questions

Damages are a fine EPFO can charge when you pay PF late. They are on top of the interest. For payments due from 14 June 2024, damages are 0.25% to 1% of the unpaid amount for each month late. The later you pay, the higher the rate.

12% a year on the unpaid amount, counted for each day from the due date until the day you pay. Interest is charged on every late payment.

EPFO decides whether to charge damages, and how much. That is why the calculator's damages figure is an estimate, not a final amount.

For PF due from 14 June 2024, damages are a monthly rate, based on how late you pay: 0.25% a month if you are less than 2 months late, 0.5% a month if you are 2 months late or more but less than 4, and 1% a month if you are 4 months late or more. Before 14 June 2024, the rate went up in steps, from 5% to 25% a year. Either way, damages can't be more than the unpaid amount.

Never pay late again. We file your PF on time, every month.

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We never miss a PF or ESI due date.