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What is EDLI

Employees' Deposit - Linked Insurance Scheme is formed in the year 1976 to provide life insurance benefits to the employees of the establishments covered by the EPF & MP Act,1952.On the death of an employment while in sevice a lump sum insurance amount is payableto his nominee or family members. The insurance amount is equal to the average balance in the account of the deceased employee in the Provident Fund during a period of 12 months immediately preceding the detath. In Case the average balance exceeds Rs.35,000/- the insurance amount payable is Rs.35,000/- plus 25% of the amount in excess of Rs.35,000/- subject to a ceiling of Rs.60,000/-.

Employee Provident Fund Act, 1952 (PF)


The Employee's provident funds and miscellaneous provisions act, 1952 is enacted to provide a kind of social security to the industrial workers. The Act mainly provides retirement or old age benefits, such as Provident Fund, Superannuation Pension, Invalidation Pension, Family Pension and Deposit Linked Insurance.

Applicability of the Act
  • To every factory employing 20 or more persons.
  • An employee whose pay at the time he is otherwise entitled to become a member of the fund exceeds Rs.6500/- per month
  • An Employee who having been a member of the fund, has withdrawn the fullamount of his contribution in the fund
    (a) on retirement from service after attaining the age of 55 years or
    (b) before migration from India for permanent settlement abroad; or for taking employement abroad.

Rates of Contribution
(Provident Fund is Calculated from Basic Salary + DA)


Employee's Contribution

Employer's Contribution

Employee Provident Fund (EPF)



Employee Pension Scheme (EPS)



Administration Charges



Employee Deposit-Linked Insurance Scheme (EDLI)



EDLI Administrative Charges






Compliance Charts for Provident Fund

Type of Compliance

Form No

Compliance Date

Submitted to

Declation Form from New Joinees


At the time of Joining

RPFC Office

Montly Contribution of Employer & Employee in Challan for previous month


Before 15th of Every Month

State Bank of India

Return of Employees Qualifying


Before 15th of Every Month

RPFC Office

Return of Employees Leaving


Before 15th of Every Month

RPFC Office

Montly Return


Before 25th of Every Month

RPFC Office

Annual Return

3A & 6A

Before 30th of April

RPFC Office

Transfer of PF A/c


When New Recruit

RPFC Office

Final Settlement

19,10C & 10D

At the time of Leaving the service

RPFC Office

Advances for various purpose


After 5 Years of membership


Issue of Individual PF A/C No.


In the Month of Joining