| Dear Mr. Suraj Singh You can open PPF Account for all the workers indivudally including yourself and deposit a part of amount from employee and a part from employer for the future of the workers working with you. The PPF amount whatever you are paying in that account upto Rs.70000/- can be used for incometax exemption under Sec-80C of Income Tax Act. Please do it as a welfare measure of your worker instead of Statutory Obligation. Wish you all the best
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