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1800 is too less... Go for a higher PF. There are two advantages
1. You pay less TDS
2. PF has a fixed interest rate of 8.1%, so every 9 years your money is doubled
Flip side- Your take home reduces
That make sense 👌 . Thanks for your suggestions.
That's a norm everywhere, employee and employer pf are part of CTC.
But you get a fixed interest on PF.
As I mentioned, PF deducted is inversely proportional to the inhand salary