EPFO rules on multiple jobs: how PF contributions work

When grown-ups work, some of their money goes into a special savings box called a provident fund, which helps them save for when they are old.

In India, this fund is looked after by a group called the EPFO.

Both the worker and the company give the same amount of money — 12 out of every 100 rupees of the worker's salary.

There is a limit on how much each side must put in: 1,800 rupees.

If a person works two full-time jobs, the rules give them two different fund accounts, one for each company.

That way, the money from both jobs is kept separate.

If a company does not give its workers this fund even though it should, the worker can ask the company about it first.

If that does not work, they can go to a special officer at the nearest PF office.

In India, it is allowed to have more than one job.

But if a worker takes a second job secretly and their contract says they cannot, it can be seen as cheating.