Need help – can I opt out of PF in new job?

[User_100145e1]

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User_100145e1
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April 30, 2026 at 4:19 pm

I previously worked for a firm (for 5 months) where my min 1800 PF was being deducted. This was my first official work experience. I’m now switching to another firm (completely different role) with 12% of basic pay PF deduction (total 24% including both employer and employee contribution). The catch is PF is optional, I can opt out as well (increasing my take home pay) and opt in any time in the tenure, but once I opt in, I can’t opt out.

I was leaning towards opting out initially but I’m now in two minds. Please help me understand if this might raise a legal concern.

Would appreciate any advice on pros of opting in other than BGV considering that I might consider higher education overseas.

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