> Machine-readable version of [https://mypfsoftware.com/blog](https://mypfsoftware.com/blog). > Site index for agents: [https://mypfsoftware.com/llms.txt](https://mypfsoftware.com/llms.txt) This site publishes machine-readable documentation for AI agents. The site index is at [/llms.txt](https://mypfsoftware.com/llms.txt). A markdown version of this page is available at [/blog.md](https://mypfsoftware.com/blog.md). Every page can be requested as markdown by appending `.md` to its URL or by sending the `Accept: text/markdown` header. [](/) [Features](/features)[Solutions](/solutions)[Free Ceiling Calculator](/free-wage-ceiling-calculator) Resources [About Us](/about) [Book a Demo](https://calendly.com/andolasoft/30min)[Contact Us](/contact) ## From the blog Learn how to grow your business with our expert advice  September 18, 2026EPF Scheme 2026 ### [EPF Scheme 2026 vs EPF Scheme 1952: What Actually Changed...](/blog/epf-scheme-2026-vs-1952-exempted-pf-trusts "EPF Scheme 2026 vs EPF Scheme 1952: What Actually Changed for Exempted Trusts") The EPF Scheme, 1952 was replaced outright on 29 June 2026. This is the clause-by-clause comparison exempted PF trust administrators have been asking for — what carried over, what changed, and what has no equivalent in the old Scheme at all.  By Mandakinee [Read more](/blog/epf-scheme-2026-vs-1952-exempted-pf-trusts)  September 18, 2026EPF Scheme 2026 ### [₹25,000 Wage Ceiling: How Many Members Did Your Trust Jus...](/blog/epf-wage-ceiling-25000-exempted-pf-trust-impact "₹25,000 Wage Ceiling: How Many Members Did Your Trust Just Inherit?") The Union Cabinet raised the EPF wage ceiling from ₹15,000 to ₹25,000 on 16 September 2026. Every piece of national coverage is written for the employee. This one is written for the trust that has to absorb the members, the liability and the corpus growth.  By kallala [Read more](/blog/epf-wage-ceiling-25000-exempted-pf-trust-impact)  September 17, 2026EPF Scheme 2026 ### [The New 2% Interest Ceiling: What Your Board Can and Cann...](/blog/pf-trust-interest-ceiling-para-13-9-board-declaration "The New 2% Interest Ceiling: What Your Board Can and Cannot Declare") Under the EPF Scheme, 2026 an exempted trust's interest rate must track the income it actually earned, capped at two percentage points above the statutory benchmark — and the Board must declare it annually under paragraph 13(9). Here is the arithmetic, and the surplus question nobody is asking.  By kallala [Read more](/blog/pf-trust-interest-ceiling-para-13-9-board-declaration)  September 17, 2026EPF Scheme 2026 ### [Paragraph 18: When Delhi Can Cut PF Contributions for Thr...](/blog/epf-scheme-2026-paragraph-18-contribution-reduction-crisis "Paragraph 18: When Delhi Can Cut PF Contributions for Three Months") The EPF Scheme, 2026 lets the Centre defer or reduce employer, employee or both contributions for up to three months during a pandemic, endemic or national disaster. Everyone has written what that does to an employee's corpus. Nobody has written what the trust administrator actually does.  By Mandakinee [Read more](/blog/epf-scheme-2026-paragraph-18-contribution-reduction-crisis)  September 16, 2026Compliance ### [VISHWAS 2026: Settling Section 14B Damages at 1% Instead ...](/blog/vishwas-2026-section-14b-damages-settlement-pf-trust "VISHWAS 2026: Settling Section 14B Damages at 1% Instead of 25%") EPFO's VISHWAS, 2026 scheme lets employers settle Section 14B damages at 0.25%–1% per month instead of 5%–25% per annum — but the window closes on 28 December 2026. Who is eligible, how the arithmetic works, and why finance heads carrying legacy damages should act this quarter.  By Mandakinee [Read more](/blog/vishwas-2026-section-14b-damages-settlement-pf-trust)  September 15, 2026Filing ### [Form-II, Form-III and Form-IV: The Three Filings Every Ex...](/blog/form-ii-form-iii-form-iv-exempted-pf-trust-filings "Form-II, Form-III and Form-IV: The Three Filings Every Exempted Trust Now Owes") The EPF Scheme, 2026 introduces three statutory artefacts for exempted establishments — a digital Form-II return, Form-III trustee minutes and a Form-IV undertaking to the RPFC. Who signs each one, what evidence attaches, and why Form-III is the one that catches trusts out.  By Mandakinee [Read more](/blog/form-ii-form-iii-form-iv-exempted-pf-trust-filings)  September 14, 2026Governance ### ["Wrong Investment Decision": The Two-Month Clock Trustees...](/blog/pf-trust-loss-recoupment-two-month-rule-trustee-liability "\"Wrong Investment Decision\": The Two-Month Clock Trustees Should Fear") The EPF Scheme, 2026 requires losses from fraud, defalcation or a "wrong investment decision" to be made good — principal and interest — within two months. The phrase is undefined. Here is what trustees should be documenting before the question is ever asked.  By kallala [Read more](/blog/pf-trust-loss-recoupment-two-month-rule-trustee-liability)  September 12, 2026Strategy ### [Stay Exempt or Surrender? Re-running the CFO's Maths Afte...](/blog/stay-exempt-or-surrender-pf-trust-epf-scheme-2026 "Stay Exempt or Surrender? Re-running the CFO's Maths After EPF Scheme 2026") The stay-or-surrender decision had four variables. The EPF Scheme, 2026 added five more — three-year exemption terms, a continuation filing burden, an interest ceiling, a two-month loss clock, and corporate actions now going to a legal forum. Here is the refreshed framework.  By Mandakinee [Read more](/blog/stay-exempt-or-surrender-pf-trust-epf-scheme-2026)  September 11, 2026Governance ### [Your Trust Rules Were Written for 1952. Here's the Amendm...](/blog/pf-trust-rules-amendment-checklist-epf-scheme-2026 "Your Trust Rules Were Written for 1952. Here's the Amendment Checklist.") Most exempted trusts are governed by PF Trust Rules drafted against a Scheme that was repealed in June 2026. This is the clause-level checklist of what has to change — wage definition, interest declaration mechanics, member communication, forms and governance — and who has to be told.  By kallala [Read more](/blog/pf-trust-rules-amendment-checklist-epf-scheme-2026)  September 10, 2026Member Experience ### ["No Passbook, No Transfer": Fixing the Exempted-Trust Mem...](/blog/exempted-pf-trust-member-passbook-transfer-gap "\"No Passbook, No Transfer\": Fixing the Exempted-Trust Member Experience") Members of exempted PF trusts cannot see their balance on the EPFO portal and cannot transfer online. Under the EPF Scheme, 2026 that is no longer just an HR annoyance — with digital trust rules and two-month member statements now mandatory, the self-service gap is a compliance gap.  By kallala [Read more](/blog/exempted-pf-trust-member-passbook-transfer-gap)  April 2, 2026PF Software ### [Migrating from Excel to PF Trust Management Software: A R...](/blog/migrating-excel-pf-trust-management-software-india "Migrating from Excel to PF Trust Management Software: A Realistic Timeline") Many exempted PF trusts still rely on spreadsheets for compliance management. Switching to dedicated PF trust software in India is a structured process — here is a realistic five-month timeline and what to expect at every stage.  By Mandakinee [Read more](/blog/migrating-excel-pf-trust-management-software-india)  April 2, 2026Tax ### [Budget 2026 and PF Trusts: What the New Tax Alignment Mea...](/blog/budget-2026-pf-trust-tax-alignment-exempted-establishments "Budget 2026 and PF Trusts: What the New Tax Alignment Means for Exempted Establishments") Budget 2026 has introduced important changes to the tax treatment of PF contributions and interest for exempted establishments. Here is what the revised PF trust tax exemption framework means for HR and finance teams.  By kallala [Read more](/blog/budget-2026-pf-trust-tax-alignment-exempted-establishments)  April 2, 2026Strategy ### [Should Your Company Surrender Its PF Trust Exemption? A C...](/blog/surrender-pf-trust-exemption-india-cfo-decision-framework "Should Your Company Surrender Its PF Trust Exemption? A CFO's Decision Framework") Deciding whether to surrender PF trust exemption in India is one of the most consequential compliance and financial decisions a CFO can make. This structured framework helps you evaluate it with data rather than intuition.  By kallala [Read more](/blog/surrender-pf-trust-exemption-india-cfo-decision-framework)  April 11, 2025EPFO Compliance ### [EPFO SOP 2023 Violation Categories: A, B, and C — What Ea...](/blog/epfo-sop-2023-violation-categories-a-b-c-pf-trust "EPFO SOP 2023 Violation Categories: A, B, and C — What Each Means for Your Trust") The EPFO SOP 2023 compliance framework classifies violations into three categories — A, B, and C — each with distinct consequences and remediation timelines. Here is what every trust manager needs to understand.  By Mandakinee [Read more](/blog/epfo-sop-2023-violation-categories-a-b-c-pf-trust)  April 7, 2025Compliance ### [Trustee Liability in an Exempted PF Trust: What Every Tru...](/blog/pf-trust-trustee-liability-india-2026 "Trustee Liability in an Exempted PF Trust: What Every Trustee Must Know in 2026") PF trust trustee liability in India is substantial and personal. This guide explains the legal obligations, personal exposure, and practical steps every trustee must take to protect themselves in 2026.  By kallala [Read more](/blog/pf-trust-trustee-liability-india-2026)  April 2, 2025PF Software ### [EPF Trust Software India: How to Choose the Right Platfor...](/blog/pf-trust-software-india-buyers-guide-exempted-establishments "EPF Trust Software India: How to Choose the Right Platform for Your Exempted Trust") With dozens of payroll and HR platforms available, choosing the right PF trust software in India requires understanding what exempted trust management actually demands. This buyer's guide covers every evaluation criterion.  By kallala [Read more](/blog/pf-trust-software-india-buyers-guide-exempted-establishments)  March 28, 2025Filing ### [Exempted PF Trust Annual Return: Step-by-Step Filing Guid...](/blog/exempted-pf-trust-annual-return-filing-guide-2025-26 "Exempted PF Trust Annual Return: Step-by-Step Filing Guide for FY 2025-26") Filing the annual return for your exempted PF trust is a mandatory compliance requirement. This step-by-step guide covers everything you need to complete your submission accurately and on time for FY 2025-26.  By Mandakinee [Read more](/blog/exempted-pf-trust-annual-return-filing-guide-2025-26)  March 24, 2025Compliance ### [The 85/15 Investment Norm: What It Means, What Counts as ...](/blog/pf-trust-investment-norms-india-85-15-compliance "The 85/15 Investment Norm: What It Means, What Counts as a Violation, and How to Stay Compliant") The 85/15 investment rule is one of the most misunderstood obligations for exempted PF trusts. This guide explains PF trust investment norms in India — what qualifies, what does not, and how to avoid violations.  By kallala [Read more](/blog/pf-trust-investment-norms-india-85-15-compliance)  March 17, 2025EPFO Audit ### [5 Things EPFO Can Do to Your Trust During an Inspection —...](/blog/epfo-exempted-pf-trust-audit-india-inspection-guide "5 Things EPFO Can Do to Your Trust During an Inspection — and How to Prevent Each One") EPFO inspections can result in penalties, notices, or cancellation of exemption status. Here are the five most common actions taken during an exempted PF trust audit in India — and exactly how to prevent each one.  By kallala [Read more](/blog/epfo-exempted-pf-trust-audit-india-inspection-guide)  March 10, 2025EPFO Compliance ### [EPFO SOP October 2023: The Complete Guide for Exempted PF...](/blog/epfo-sop-2023-compliance-guide-exempted-pf-trust "EPFO SOP October 2023: The Complete Guide for Exempted PF Trust Managers") A comprehensive breakdown of the EPFO SOP issued in October 2023 — covering every directive that exempted PF trust managers must understand and act upon to stay fully compliant.  By Mandakinee [Read more](/blog/epfo-sop-2023-compliance-guide-exempted-pf-trust) Deadline AMNESTY 2026 closes on 28 December 2026. A one-time EPFO window for trusts that hold Income Tax recognition but no formal exemption order. [Check whether yours qualifies →](/amnesty-2026) [Book a free demo](https://calendly.com/andolasoft/30min)[Request a free data assessment](/contact?intent=data-migration-assessment) [](/) India's dedicated PF Trust Management platform. Built for EPFO-exempted establishments. [info@andolasoft.com](mailto:info@andolasoft.com)[+91 9237381928](tel:+919237381928)Andolasoft (India) Private Limited A/65, Mancheswar Ind Est. Bhubaneswar 751010, Odisha, India [LinkedIn](https://www.linkedin.com/company/andolasoft-inc/)[Instagram](https://www.instagram.com/andolasoftinc/)[X](https://x.com/Andolasoft)[YouTube](https://www.youtube.com/@Andolasoft) ## Product - [Features](/features) - [Solutions](/solutions) - [Software vs Excel](/epf-trust-software) - [Data Migration Service](/data-migration) - [Free Wage Ceiling Calculator](/free-wage-ceiling-calculator) ## EPF Scheme 2026 - [EPF Scheme 2026](/epf-scheme-2026) - [AMNESTY 2026 28 Dec](/amnesty-2026) - [Exemption Continuation](/exemption-continuation) - [Compliance](/compliance) - [EPFO Checklist 2026](/compliance/checklist) ## Resources - [Blog](/blog) - [Help Desk](/help-desk) - [PF & Payroll ↗ (opens in a new tab)](https://www.crmleaf.app/product/payroll) - [Agent docs (llms.txt)](/llms.txt) ## Company - [About Us](/about) - [Contact Us](/contact) - [Privacy Policy](/privacy) - [Terms of Service](/term) © 2026 myPF Software. 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