UPSC EPFO EO/AO and APFC posts come with a lucrative salary, various allowances, perks, benefits, and excellent work-life balance. Knowing the UPSC EPFO salary allows you to:
- Weigh the financial benefits against the dedication required for the exam preparation.
- Set realistic expectations from the UPSC EPFO APFC job profile
- Use the potential rewards as motivation to study hard and crack the exam.
Let’s break down each component of the UPSC EPFO salary including CTC, allowances, perks, and the average take-home salary of an assistant provident fund commissioner.
I’ll also compare the UPSC EPFO APFC salary with the salary of IAS, RBI Grade B, NABARD Grade A, and SEBI Grade A to provide a comparative perspective.
CTC of UPSC EPFO APFC Officers
APFC (Assistant Provident Fund Commissioner) is a prestigious position in EPFO, classified as a Class A and Level 10 post. After the 7th pay commission, the current annual CTC of an APFC is around ₹20 lakhs per annum, making it one of the highest salary packages and allowances available to government employees.
Now let’s take a look at the UPSC EPFO APFC salary structure.
- PYQs of 2017
- PYQs of 2023
UPSC EPFO APFC Salary Structure
The starting basic pay for APFCs in EPFO is ₹56,100 per month. Allowances like house rent allowance (HRA), dearness allowance (DA), transportation allowance (TPA), etc., are added to this amount to arrive at the gross salary.
UPSC EPFO APFC Gross Salary
UPSC EPFO APFC Gross Salary | |
Component | Amount (Monthly) |
Basic Pay | ₹56,100 |
Dearness Allowance (DA) | ₹29,733 |
Transportation Allowance (TPA) | ₹11,016 |
House Rent Allowance (HRA) | ₹16,830 |
Other Allowances | ₹2,000 |
Total (Monthly Gross Emolument) | ₹1,15,679 |
Important Note: DA is given as % of basic pay which keeps on varying.
The monthly salary of a UPSC EPFO APFC is ₹1,15,679, which totals up to approximately ₹14 lakh per annum.
Now, is this all you are getting? No, besides the above-mentioned fixed allowances, as an EPFC you’ll get various other monthly and yearly allowances.
UPSC EPFO APFC Allowances
An assistant provident fund commissioner gets various monthly and yearly allowances which I have mentioned below:
City Compensatory Allowance (CCA)
- CCA is an allowance for employees working in metropolitan or high-cost cities to help manage the higher cost of living.
- Think of it as a little extra to balance out the additional expenses of living in busy urban areas.
Special Pay
- Sometimes, as an APFC, your role might require you to take on extra responsibilities, put in additional effort, or demonstrate specialized skills.
- For this, you receive “special pay” as a recognition of the added work or expertise you’re contributing.
Personal Pay
- Personal pay is like a bonus added to the EPFO APFC’s salary.
- It is often granted as a reward for excellent service or to protect take-home pay during changes in salary structure.
Fixed Medical Allowance (FMA)
- The FMA is a fixed amount given to help cover everyday medical expenses for you and your family.
- This isn’t for major hospital bills but more for regular checkups and minor treatments.
Deputation Allowance
- If you’re temporarily posted to a different department or organization, you might need to adjust to new circumstances.
- This allowance compensates you for the inconvenience and extra effort required during this time.
Tuition Fee Allowance
- Education is expensive, especially for children. So, to help its employees, EPFO provides this allowance to reimburse or partially cover the tuition fees for your children’s education.
- However, it’s limited to the first two children.
Small Family Allowance
- This is an incentive aimed at promoting family welfare policies.
- Employees with smaller families can receive this as a reward for contributing to population control efforts.
Washing Machine Allowance
- It is a benefit covering laundry or related expenses in certain roles.
Now that you have understood the total salary of a newly recruited APFC, it is time to understand the in-hand salary of a UPSC EPFO APFC.
UPSC EPFO APFC In Hand Salary
The total gross salary of an assistant provident fund commissioner is approximately ₹1,15,679. However, there is a deduction of ₹8,000 to ₹10,000 to this amount.
UPSC EPFO APFC Salary Deduction | |
Deductions | Amount |
Pension | ₹8,583 |
Professional Tax | ₹200 |
Total | ₹8,783 |
Important Note: The UPSC EPFO salary deduction can vary from officer to officer depending on their allowances variations and claims.
The latest in-hand salary of a UPSC EPFO APFC after all deductions is as follows:
UPSC EPFO APFC In-Hand Salary | |
Component | Amount (Monthly) |
Gross Salary | ₹1,15,679 |
Salary Deduction | ₹8,783 |
Total | ₹1,06,896 |
After deduction, an assistant provident fund commissioner draws approximately ₹12.82 lakhs per annum.
UPSC EPFO Salary Slip
The salary slip of an APFC provides a detailed breakdown of their monthly compensation – basic pay, HRA, transportation allowance, dearness allowance, gross pay, etc.
Please note that the specific components and deductions of a UPSC EPFO APFC may vary from person to person and according to the city they are posted in.
Important Note: Due to privacy concerns, I have blurred the personal details of the UPSC EPFO APFC in the salary slip. The above information is intended to provide a general idea of the components of a UPSC EPFO APFC salary without disclosing sensitive details.
After getting a better understanding of a UPSC EPFO APFC salary, let’s learn about the perks and benefits of working as an APFC in EPFO.
- PYQs of 2017
- PYQs of 2023
UPSC EPFO Salary: Additional Perks and Benefits
Here are the additional perks and benefits that an APFC gets:
Medical
- You and your dependents will enjoy comprehensive medical benefits.
- EPFO covers medical reimbursements for various treatments, ensuring you and your family have access to quality healthcare without financial strain.
Insurance
- EPFO provides group insurance to its employees including APFC.
- In unfortunate cases of accidental death or disability, your family will receive a lump sum amount, offering financial protection during difficult times.
Leave Travel Concessions (LTC)
- LTC allows employees to claim reimbursement for travel expenses incurred during vacations, promoting relaxation, and rejuvenation.
Provident Fund
- You will contribute 12% of your basic pay to the Employees’ Provident Fund (EPF), and EPFO will contribute an equal amount.
- This fund is a great way to build long-term savings for future financial needs.
National Pension Scheme (NPS)
- As an APFC, you can also contribute to the National Pension Scheme, with the option to invest up to 10% of your basic pay.
- NPS is an excellent tool for securing your post-retirement financial future.
Pension
- As an APFC, you will receive pension benefits after completing the required years of service, up to the age of 58.
- You’ll also be eligible for gratuity, which is calculated based on your years of service and your last drawn salary.
- These benefits provide financial security for retirement.
After getting familiar with the additional perks and benefits that come along with the UPSC EPFO APFC salary, let’s discuss the leave policy.
UPSC EPFO Leaves
As an EPFO APFC, you’ll have access to a variety of leave options, such as:
- Casual Leave
- Earned Leave
- Medical Leave
Additionally, as an assistant provident fund commissioner, you are entitled to receive some special leave options such as:
- Maternity Leave
- Paternity Leave
- Study Leave
These leaves ensure flexibility for personal and professional needs.
Important Note: Study leave is subject to approval and adherence to specific conditions.
After getting familiar with the leave policy, let’s shift our focus to the promotions.
UPSC EPFO Promotion
Here’s a breakdown of the promotions that lie ahead for an EPFO EO/AO officer and assistant provident fund commissioner.
Enforcement Officer/Accounts Officer (EO/AO)
- Role: You’ll start here in an entry-level role focused on ensuring compliance with EPFO rules, enforcing regulations, and managing accounts. It’s a great opportunity to build a strong foundation in EPFO operations.
- Promotion: After successfully completing at least 5 years in this role, you’ll move up to become an APFC.
Assistant Provident Fund Commissioner (APFC)
- Role: As an APFC, you’ll step into a supervisory position, overseeing EPFO operations and ensuring smooth implementation of policies. This role is crucial in managing regional activities.
- Promotion: After at least 5 years of dedicated service, you’ll be promoted to RPFC-II.
Regional Provident Fund Commissioner-II (RPFC-II)
- Role: In this role, you’ll lead regional offices, ensure operational efficiency, and make sure policies are being followed effectively. You’ll have more authority and a broader area of responsibility.
- Promotion: After at least 5 years, you’ll advance to the position of RPFC-I.
Regional Provident Fund Commissioner-I (RPFC-I)
- Role: As RPFC-I, you’ll take charge of larger regional offices, lead teams, and contribute to implementing national policies at the regional level. This is a leadership role with significant responsibilities.
- Promotion: After serving successfully for at least 6 years, you’ll be promoted to ACPFC.
Additional Central Provident Fund Commissioner
- Role: Here, you’ll oversee multiple regions, provide policy guidance, and ensure consistency across the board. You’ll play a critical role in shaping the operational strategies of EPFO.
- Promotion: After completing at least 4 years, you’ll move to a strategic role at EPFO headquarters as ACPFC (HQ).
Additional Central Provident Fund Commissioner (HQ)
- Role: This is a high-level strategic role at the EPFO headquarters where you’ll handle key operations and contribute to the organization’s overall growth and vision.
- Promotion: The next step is the prestigious CPFC position, appointed through the Appointments Committee of Cabinet.
Central Provident Fund Commissioner (CPFC)
- Role: As CPFC, you’ll be responsible for the overall administration, decision-making, and strategic direction of the organization.
- Promotion: This is the highest position in EPFO, and no further promotions exist beyond this role.
I have summarized the above information in the table below.
UPSC EPFO EO & APFC Promotions | |||
Duration | Position | Basic Salary (per month) | Level |
You will join here | EO/AO | ₹44,900 Grade Pay ₹4,800 | Level 8 |
After the Next 5 Years | Assistant PF Commissioner | ₹56,100 Grade Pay ₹5,400 | Level 10 |
After the Next 5 Years | Regional PF Commissioner-II | ₹15,600–₹39,100 Grade Pay ₹6,600 | Level 11 |
After the Next 5 Years | Regional PF Commissioner-I | ₹15,600–₹39,100 Grade Pay ₹7,600 | Level 12 |
After the Next 6 Years | Additional Central PF Commissioner | ₹37,400–₹67,000 Grade Pay ₹8,900 | Level 13A |
After the Next 4 Years | Additional Central PF Commissioner(HQ) | ₹37,400–₹67,000 Grade Pay ₹10,000 | Level 14 |
Appointed on the recommendation of Appointments Committee of Cabinet | Central PF Commissioner | ₹37,400–₹67,000 Grade Pay ₹10,000 | – |
Now, let’s compare the salary of a UPSC EPFO APFC with other competitive exam salaries.
- PYQs of 2017
- PYQs of 2023
UPSC EPFO APFC Vs IAS Salary
Here is the comparison between the salary of a UPSC EPFO APFC and an IAS officer:
UPSC EPFO APFC Vs IAS Salary | ||
Component | UPSC EPFO APFC | IAS |
Starting Basic Pay | ₹56,100 | ₹56,100 |
Gross Salary (Approx.) | ₹1,15,679 | ₹ 56,000 to ₹1,50,000 (approx.) |
Allowances | Yes (DA, HRA, etc.) | Yes (DA, HRA, etc.) |
In-Hand Salary (Approx.) | ₹1,06,896 (depending on deductions and location) | ₹60,000 – ₹80,000 (depending on deductions and location) |
Increments | Regular increments based on pay scale | Regular increments based on pay scale |
UPSC EPFO APFC Vs RBI Grade B Salary
Here is the comparison between the salary of a UPSC EPFO APFC and an RBI Grade B officer:
UPSC EPFO APFC Vs RBI Grade B Salary | ||
Component | UPSC EPFO APFC | RBI Grade B |
Starting Basic Pay | ₹56,100 | ₹55,200 |
Gross Salary (Approx.) | ₹1,15,679 | ₹1,16,914 |
Allowances | Yes (DA, HRA, etc.) | Yes (DA, HRA, etc.) |
In-Hand Salary (Approx.) | ₹1,06,896 (depending on deductions and location) | ₹80,000 – ₹90,000 (depending on deductions) |
Increments | Regular increments based on pay scale | Regular increments based on pay scale |
UPSC EPFO APFC Vs NABARD Grade A Salary
Here is the comparison between the salary of a UPSC EPFO APFC and a NABARD Grade A officer:
UPSC EPFO APFC Vs NABARD Grade A Salary | ||
Component | UPSC EPFO APFC | NABARD Grade A |
Starting Basic Pay | ₹56,100 | ₹44,500 |
Gross Salary (Approx.) | ₹1,15,679 | ₹1,00,000 |
Allowances | Yes (DA, HRA, etc.) | Yes (DA, HRA, etc.) |
In-Hand Salary (Approx.) | ₹1,06,896 (depending on deductions and location) | ₹80,000 – ₹90,000 (depending on deductions) |
Increments | Regular increments based on pay scale | Regular increments based on pay scale |
UPSC EPFO APFC Vs SEBI Grade A Salary
Here is the comparison between the salary of a UPSC EPFO APFC and a SEBI Grade A officer:
UPSC EPFO APFC Vs SEBI Grade A Salary | ||
Component | UPSC EPFO APFC | SEBI Grade A |
Starting Basic Pay | ₹56,100 | ₹44,500 |
Gross Salary (Approx.) | ₹1,15,679 | ₹1,11,000 – ₹1,49,500 |
Allowances | Yes (DA, HRA, etc.) | Yes (DA, HRA, etc.) |
In-Hand Salary (Approx.) | ₹1,06,896 (depending on deductions and location) | ₹90,000 – ₹1,11,000 (depending on deductions) |
Increments | Regular increments based on pay scale | Regular increments based on pay scale |
Conclusion
The UPSC EPFO APFC position comes with a competitive salary package that includes a good basic salary, various allowances, and benefits. With ₹1+ lakh in hand salary, an APFC enjoys various leaves and receives regular promotions.