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Module 3 · Compliance & Taxes

PF & ESI Compliance

8 min5 sections

Lesson content

Scroll through numbered sections or jump via the outline.

What you'll take away

  • Paying interns cash without documentation.
  • Founders on payroll without minimum wages compliance in some states.
  • Not issuing UAN to employees — delays withdrawal and transfers.
  • Ignoring multi-state establishment rules when hiring remote.

When registration triggers

EPF (PF): generally mandatory when you have 20+ employees; voluntary registration possible earlier for benefits.

ESIC (ESI): applies when you have 10+ employees (in non-exempt establishments) with wages up to ceiling — check latest wage ceiling notification.

Many startups register PF early to offer credible benefits to first hires.

Employer cost reality

PF: employer contributes 12% of basic wages (split across EPS/EPF/admin); employee 12% deducted.

ESI: employer ~3.25%, employee 0.75% on applicable wages (rates subject to notification).

Structure CTC statements so founders know true cost — '₹12L CTC' is not ₹1L/month take-home.

Monthly process

  • Calculate wages and deductions.
  • File ECR on EPFO portal by 15th with payment.
  • ESIC challan and return on esic.in.
  • Update exits/joins within deadlines to avoid compliance gaps.

Common startup pitfalls

  • Paying interns cash without documentation.
  • Founders on payroll without minimum wages compliance in some states.
  • Not issuing UAN to employees — delays withdrawal and transfers.
  • Ignoring multi-state establishment rules when hiring remote.

Why investors care

Labour non-compliance surfaces in due diligence and can block NBFC partnerships or enterprise vendor onboarding.

Questions about this lesson?

Talk to a Pelago advisor — we'll map the right structure and compliance for your stage.