Yes. You can withdraw up to
₹3,37,500
Checked against the new EPF rules
5 of 5 marriage withdrawals left.
Your monthly take-home goes down by
₹2,825
Checked against the new Labour Code
Your allowances are 59% of total pay, more than half, so ₹8,826 a month is added back to wages. PF, gratuity and ESI are now worked out on ₹48,826 instead of ₹40,000. The PF wage ceiling went up from ₹15,000 to ₹25,000 on 17 Sep 2026, so PF is now 12% of ₹25,000 instead of ₹15,000: ₹1,200 more from you and the same from your employer, out of the same CTC.
| Per month | Before | Now |
|---|---|---|
| Basic + DA | ₹40,000 | ₹40,000 |
| Allowances | ₹56,276 | ₹54,651 |
| Wages counted for PF | ₹15,000 | ₹25,000 |
| Your PF | ₹1,800 | ₹3,000 |
| Employer PF (in CTC) | ₹1,800 | ₹3,000 |
| Gratuity set aside by employer | ₹1,924 | ₹2,349 |
| Professional tax | ₹208 | ₹208 |
| Income tax (new regime) | ₹0 | ₹0 |
| Take-home | ₹94,268 | ₹91,443 |
"Before" uses the pre-Code structure and the ₹15,000 PF cap. "Now" applies the Labour Code wage rule and the ₹25,000 cap. Tax: new regime, tax year 2026-27.
Yes. You qualify for gratuity of
₹1,73,077
Checked against the Code on Social Security, 2020
You worked 5 years 7 months. More than 6 months counts as a full year, so this uses 6 years. Tax-free up to ₹20,00,000.
Rules that changed. Many websites still show the old ones.
Check PF after leaving a job75% of PF after 1 month without a jobDepends on why your job ended
See your new take-homePF capped at ₹15,000 wages (₹1,800 a month)₹25,000 wages (₹3,000 a month) since 17 Sep 2026
Check how much you can withdraw5–7 years of service for a PF advance12 months of membership for every purpose
Check your gratuityEveryone gets gratuity after 1 yearOnly fixed-term employees; permanent still need 5 years
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