Understanding Salary Deductions: Is Professional Tax the Only Cut from My Pay?

Hi, I am working in a real estate firm. My salary is 14,000 gross. I hope there would be no deduction other than a professional tax of Rs. 200. No PF, no TDS. Am I right? Can anyone help me out with this query?

Regards,
Jaya

There won't be any deductions on TDS for sure. About PF, it depends on:

Factors Affecting PF Deductions

1. Strength of the company
2. Is the company covered under the PF Act?
3. What is your basic salary?
4. Is this your first job, or have you worked before this?
5. If you worked before this, were you covered under the PF Act?
6. If you were covered under the PF Act before this employment, is your PF account active, or have you closed the account by withdrawing your PF balance?

Please answer the above queries to determine if you are eligible for PF deductions.

Hi, this is my second job. In my first job, my salary was 15k. I worked there for only 6 months and quit because of a salary issue. There was a PF deduction from the first month, but our PF accounts were opened after 4 months. When I asked them about it, they just neglected it. I don't even know if I have a PF account or not. In this company, we don't have any PF deductions now.

Is there any way to find out about my previous company's PF account or if there is any PF account in my name? Please reply regarding the same.

This is my second job. In the first job, my salary was 15k. I worked there only for 6 months and quit because of a salary issue. There was PF deduction from the first month, but our PF accounts were opened after 4 months. When I asked them about that, they just neglected it. I even don't know if I have a PF account or not. In this company, we don't have any PF deductions now.

In Your Previous Job:

1. Your gross was 15,000 - What was your basic?
2. You worked for 6 months.
3. PF accounts opened after 4 months but deductions were there since the 1st month. So, do you have any salary slip to claim this? A salary slip for all 6 months? I believe when they are deducting PF from employees, they are bound to give you a PF number.
4. In this company, if you don't have PF deductions, there is a chance that the firm is not covered under the PF Act (again assuming because you didn't mention the number of employees in your current employment), and hence ideally there should not be any deduction against PF from your salary.
5. Also, note if your basic pay is more than 6,500, there will be no deduction for PF even if the PF Act becomes eligible for the firm.

Hope this cleared your doubt.

Yes, I do have salary slips proving that it was deducted in this organization. The organization is not under the PF Act, and my basic salary is $5600 in this firm.

Could you please help and explain this? Also, note that if your basic pay is more than $6500, there will be no deduction for PF even if the PF Act becomes applicable to the firm.

If a person's basic salary is $7000, there will be no PF deduction from his/her salary.

Dear Jaya,

For your salary, ESI covers if your organization falls under ESI provisions.

EPF is optional under voluntary provision or mutual consent.

No TDS and PT.

Regards

Dear Jaya,

Finding Your Previous Company's PF Account

There is a way to find information on your previous company's PF account. You can visit EPFO (Govt. of India) and navigate to the members' contributed list. Search for your employer's code number and your name to check if your contributions have been paid.

Regards