Understanding CTC: Should Employer's PF Contribution Be Included? Let's Discuss

abhi65
Can an employer's PF contribution be included in CTC?

I have corrected the spelling and grammar errors in the user's input and ensured proper paragraph formatting.
essykkr
There is no definition of CTC; an employer can add any component in CTC. Employer PF & ESIC contribution can be a part of CTC, but it should not be shown in the wage register & salary slip because, as per both Acts, Employer Contribution cannot be deducted from the wages of employees. It amounts to a penal offense.

Regards
gjpanchal
Regarding your question related to CTC, please reply 'Yes'. However, as a legal requirement, PF is mandatory for all employees earning a basic salary of less than Rs. 6,500 per month.

Thank you.

Regards,
G.J. Panchal
pon1965
It is a trick of the employer to inflate the CTC by including the employer's contribution in the CTC.
neha22111986@yahoo.co.in
Understanding CTC (Cost to Company)

CTC stands for Cost to Company, which means the cost the employer incurs to employ an employee. Therefore, all the perks and reimbursements are added to the CTC to get the total figure. Hope that helps.
kprasoon
CTC (Cost to the Company) means any amount paid or spent on an employee by the organization. So, employer contributions to EPF and ESIC are also a part of CTC.

Regards,
Kamal
Roopa Mehra
Hi,

There are three terms used in salary:
1) CTC (Cost to company, includes all the additional benefits an employer offers to an employee)
2) Gross salary (Basic + HRA + other allowances)
3) In-hand salary (After all deductions)

So it is clear that the total cost to the employer, including PF contribution, ESIC contribution, medical contribution, and any other contributions paid by the employer for the employee, makes up their CTC.

Regards,
Roopa Mehra
sharma sunil
Hi All,

I want to inform you that any costs incurred due to an employee can be included in the CTC, which stands for the total cost of an employee. This includes ESIC contribution, PF contribution, as well as any other expenses or reimbursements.

Thanks & Regards,
Sunil Sharma
V3S Group
praful.jiwtode
Every employer used to account for expenses on employees directly in salary or indirectly, such as canteen, uniform, shoes, etc. So, the answer to your question is that the PF contribution of the employer is also a direct cost to the company, similar to gratuity, ESIC, or any mediclaim policy.
Rajeev_baisantry
Understanding CTC and PF Contribution

CTC is not a statutory concept. It is a business concept, and what should constitute CTC would vary from company to company. You are not going to be shot dead for including PF contribution in the CTC, nor will you be showered with petals for its exclusion.
shivakumar_1980
CTC - Cost to Company Components

- PF contribution
- ESI contribution
- Bonus contribution
- Canteen subsidies
- Phone bill allowances
- Traveling allowance
- Providing residential
- Etc.

Regards,
Shivakumar
Asst - HR
shivakumar_1980
CTC - Cost to Company Components

- PF Contribution
- ESI Contribution
- Bonus Contribution
- Canteen Subsidies
- Phone Bill Allowances
- Travel Allowance
- Providing Residential
- etc.

Regards,
Shivakumar
Asst - HR
lprassu
Employer contribution is also included in CTC. For your reference, I am attaching the CTC calculation. I hope it may be useful to you.

Regards
lokanhrs
Yes, it is included in the CTC as CTC means Cost to the Company. Whatever the cost the company pays on behalf of the employee is included. Hence, the PF Employer's contribution is included in CTC.
plbabu9
Please clarify: When is the employer liable to pay PF contributions? When is the PF Act applicable to an establishment?
giri_ashok123
Hi,

Nice query.

CTC is the amount that an employer pays to his/her employees in terms of money and perks. The employer's contribution to EPF adds value to your monetary compensation. It's a different thing that the employee cannot access it in hand, but upon leaving the job or retirement, it can be completely withdrawn.

With Best Regards,
ASHOK GIRI
saikatdhar
CTC stands for Cost to the Company. There is no clear definition of CTC, and that is the reason every employer, rather we, the HR people, include anything spent towards an employee or for the employee to retain him on a regular basis.

In the true sense, expenses like gratuity and bonus are periodical payments and contingent in nature, payable upon the happening or fulfillment of certain incidents, such as an employee staying for 5 years with the company or staying in the company for one fiscal year.

Now, the question is, what happens if this does not occur? The cost will not be borne by the employer. Since these are statutory requirements, we take the opportunity to include them in the CTC, which also reduces our tax burden to some extent.

Gratuity amounts should be kept in the gratuity fund after actuarial valuation or should be insured through LIC. How many employers do that?

In my opinion, expenses or costs payable at a given time should not be shown as part of CTC. While this may not directly contribute to non-compliance, it gives a negative impression of the company.

Take, for example, when a company provides a production bonus or incentive, they do not include it in the CTC. Then the question arises, should it be included in the list of CTC on a contingent basis?

My answer is NO. However, from the company's perspective, the company aims to fix its capital expenditure. Essentially, the concept of CTC is designed for that purpose.
skhadir
Both PF (employee and employer contributions) and ESIC should be included in CTC under deductions.

With profound regards
Regards
Krishan Kapoor
Understanding CTC (Cost to Company)

CTC includes the total cost to the company for the purpose of hiring an employee. CTC is also a parameter to compare the salary the company is offering versus the prospective employee's last drawn salary. This is just to compare apples to apples. Employers may also add other components to CTC.
mkt20375
Yes, Employer's PF contribution is part of CTC because otherwise, it would be practically impossible to compare the various components of salary like BASIC, HRA, DA, PA, etc., which actually vary from organisation to organisation. Hence, we cannot calculate the CTC in a real sense. Therefore, it would be better to consider everything that the company is providing to you, such as Air LFA, Gardener service, Bus service, Sweeper, etc., in money equivalents.

Manoj Tiwari
N.PRADEEPBABU
Understanding CTC and Employer Contributions

CTC means Cost to Company on behalf of an employee. It includes both PF and ESI contributions.

Regards
archnahr
Hi All,

Employer contributions to PF should not be a part of CTC; it has become a common practice in all companies. As HR professionals, we are to blame for this practice. Employers often delegate salary negotiation to HR and rely on the HR department to design the compensation package.

Every employer looks to save money where possible, which led to the practice of including the employer's PF contribution in the CTC as a tactic to negotiate salaries with employees. This practice can result in a loss for the employee if they do not negotiate effectively. :)

Regards,
Archna
arsamantaray
Yes, Cost to Company, you are correct. PF is also a part of CTC. However, the portion of the amount is paid by the company.

Regards
arsamantaray
Yes, CTC - Cost to Company, you are correct. PF is also part of CTC. However, the PF amount is paid by the company.

Regards
rs_bhandari
If you are a member of PF, and the company is contributing the employer's part of the PF contribution, then the said amount contributed by the company forms part of your CTC.
opsanil
Yes, CTC (Cost to Company) is a cost incurred by the company. CTC does not have any formal manner; the only requirement is to present a high value to the employee's pay as indicated by management. There is no need to maintain any formal register, just the mimed value of CTC.
saikatdhar
I agree with Neha. Legally, there is no bar on it. Employers may include the same in the CTC.
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