An Employees' Provident Fund is a compulsory savings account for retirement that both you and your employer pay into from every month's salary. India and Sri Lanka each run one under the same name, set up separately and with different rules, and the money builds up with interest until you retire or leave work.
In India the employee pays 12% of basic wages plus dearness allowance, and the employer pays a further 12%, according to the Employees' Provident Fund Organisation. Part of the employer's share goes to the Employees' Pension Scheme rather than into your own account. Because the base is basic pay rather than the whole salary, the deduction depends on how your employer structures the package: on a gross salary of 15,00,000 rupees with basic pay at half of it, your 12% is 90,000 rupees.
In Sri Lanka the minimum is 8% from the employee and 12% from the employer, 20% in all, calculated on gross monthly earnings, according to the Central Bank of Sri Lanka, which holds the fund as custodian while the Commissioner of Labour administers it. Only your 8% comes out of your pay. Sri Lankan employers also pay 3% of gross earnings into a separate scheme, the Employees' Trust Fund, which the Employees' Trust Fund Board describes as an employer contribution. It is not deducted from you either, so neither the employer's 12% nor the 3% should be subtracted when you work out take-home pay. Sri Lankan APIT is charged on gross pay without first deducting your 8%.
The take-home pay calculator deducts your share as its own line in both countries and lists the employer's contributions separately. For India it asks what share of gross is basic pay, and lets you contribute on the statutory wage ceiling instead, as many employers do. The debt-to-income calculator relies on the same distinction when you turn a Sri Lankan payslip into income.