Guide me plz

The Treshhold for compulsory PF deduction is 6,500 basic. For salaried employees drawing basic above that the PF deduction is optional.

As per the trend prevailing now, CTC is supposed to include employer contribution also.

If u do not opt for PF, u will have higher take home subject to applicable Income Tax.

If u opt for PF deduction, then the employer contribution will not be part of your taxbale salary income and your contribution will qualify for deduction u/s 80 C. So, there will be lower taxation as well as lower take home.

U consult HR and ask them to give you actual numbder under both the option and then decide. 

AMOL

For Future Planing , Highest Interest , Income Tax rebate & after 10 year Pension scheem , Loan after seven year, you shold deduct PF.

its for your future security.

Mr. Amol view is very precious.

rest is your choice