Many Indians are stricken with the common issue of employees not being provided their whole salary amount, as it became compulsory for EPF contribution to their own scheme. It is said to be quite an issue for people who were earning in the lower bracket of salary as the final salary per month came down to be not sufficient for their monthly expenses, often driving them to debt. India is comparatively conscious about debt, but has not helped in such situations.However, the new Indian Budget for 2015 was released, bringing relief to some. Earlier, the EPF functioned based on contributing 12% of their monthly salary towards the Employees Provident Fund, while the employer too had to make the same contribution every month. Besides the EPF, employers had to contribute 8.33% of the pension for every individual employee.