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Key takeaways:
NCP Stands for Non-contributory period In plain words, NCP days are the days in a month for which the employee is not paid wages and so no PF contribution is paid for those days.
If you take a few days of unpaid leave, such days can be recorded as NCP days in your EPF records. Your attendance statistics and pay details will determine the amount of NCP days that will be changed from month to month.
Your EPF passbook normally shows NCP days. It helps in displaying the number of days for which there was no PF contribution in a month.
Bonus Tip: According to the EPFO guidelines, in case the wages declared is ₹0 due to the non-working period of an employee, the NCP should be equal to the number of days. Half-day NCP is not allowed.
NCP stands for Non-Contributory Period. These are the days when an employee is on leave and no PF contribution is made by both employee and employer.
PF is like a piggy bank in which you put a small amount of what you earn and your company also contributes to that piggy bank. NCP are the days when an employee does not work and is on leave without pay. In simple words, on these days you and your employer are not contributing any amount in your piggy bank.
For example, if an employee joins 16 January 2025 and the payday is 15 January 2025. Then in this case, the NCP will be 0 as the employee has joined and started contributing within the same month.
The employer while filing for the ECR (Electronic Challan cum Return) calculates and enters the NCP days of an employee.
For instance, if my NCP days in a 30 day month were 20 days. My employer while filing the ECR will enter the PF contribution for only 20 days.
This means that the EPFO calculates the pensionable services only on the basis of the contributory days of an employee. It also has a great impact on the EPS (Employees Pension Scheme) as the minimum contributory service period should be of 10 years. More NCP days can result in the delay of the specified period of EPS.
Follow the below steps to check the NCP days in your PF account:
Refer the below example to understand how NCP days are calculated in a month:
From the above table, you can see how NCP days affect your PF contribution.
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This happens when you are absent from your work without informing your employer.
Many other reasons can be there for NCP days, these were some of them.
Some of the impacts of NCP days on your PF contribution are:
A lower contribution in a month can result in a lower amount on which interest will be earned.
For example, I earn ₹30,000 in a month and I have NCP days in this month. Now this is how my PF will be impacted:
Whereas if there were no NCP days, the employee contribution was ₹3,600 and employer also ₹3,600. The 3 NCP days resulted in a lower total contribution for this month.
Overall, keeping an accurate record of NCP days is important for both the employer and the employee. It ensures that service records and PF contributions are accurate so that final settlement of your PF will be correct. You can easily keep a check on your NCP days by the UAN passbook.
NCP days are non-contributory days when no PF contribution is made due to leave without pay or absence.
Are NCP days visible to the organisation doing background checks?
Yes, NCP days are visible during background checks as they can review your EPF passbook through UAN to verify your employment history.
I left my previous organisation on 27 November 2024 and the same exit date is marked on the EPFO portal. However, when I checked the EPFO passbook, it showed 3 NCP days for that month. Will it cause any problems in future?
No, having 3 NCP days in your EPF passbook for your exit month is normal. As the exit date matches the date on the EPFO portal and your experience letter. There will be no problems in future.
What are the NCP days during the service period in PF?
NCP stands for Non Contributory Period. These are the days when an employee is on leave and no PF contribution is made by both employee and employer.
I have not taken any leave without pay. What will be my NCP days in PF? Can it be zero?
Yes, when there are no leaves without pay, NCP days in PF will be zero.
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