About 6 in 10 questions in the 2025 paper came from the six
subjects in the ₹999 pack. The ₹499 booster pack covers the rest.
290pages across six subjects
414quiz questions, fully offline
Sep 2026edition, current to this month
Social Security in India
What the employer's 12% is actually split into
p. 9
Head
Rate
On ₹25,000
Employee → EPF
12%
₹3,000
Employer → EPS
8.33%
₹2,083
Employer → EPF
3.67%
₹917
Employer → EDLI
0.50%
₹125
Memory Hook
The employer never pays 12% into EPF. Read it as 8.33 goes to pension first, the rest falls into PF — the pension share is capped at ₹2,083 because the wage ceiling is now ₹25,000 (from 17 Sep 2026; it was ₹15,000).
PYQ Pulse
The 8.33 / 3.67 split has been asked in APFC and EO/AO papers more than any other number in this chapter. Learn the rupee figures, not only the percentages.
THE LAST 80 DAYS
What ₹999 gets you that a ₹15,000 course usually doesn’t
With 80 days left, the question is not “which material is biggest” but “which one can I actually finish and revise”.
Typical recorded course
Standard books
Sagar Prep notes
Price
₹8,000–25,000
₹4,000–7,000
₹999
Time to finish
150–250 hours of video
6–9 thick books
290 pages · ~3 weeks
Written only for APFC & EO/AO
Often shared across exams
General books
✓ Yes
Updated to Sep 2026 (₹25,000 EPF ceiling)
Depends on batch
Old editions
✓ Yes
PYQ marked on the exact point
Sometimes
Rarely
✓ PYQ Pulse boxes
Trap Alert · Memory Hook · revision tables
—
—
✓ Built in
Hindi at the same price
Varies
Some titles
✓ English or हिंदी
Try before paying
Demo lecture
At a bookshop
✓ 9 pages of every subject
Questions answered by
Batch doubt forum
No one
✓ The writer, on Telegram
Revise it 4 times before 20 Dec
Hard
Very hard
✓ Built for it
Course and book columns are typical market ranges for APFC preparation, given for comparison only. They vary by provider.
UPSC EPFO · APFC & EO/AO 2026
Official syllabus vs Sagar Prep notes
Every area of the 2026 syllabus has its own booklet. Nothing left for you to hunt for.
10 / 10syllabus areas covered (Essential + Booster)
61 / 100questions of the 2025 paper came from the 6 Essential subjects
100 / 1002025 question areas covered with Booster added
✓ ₹999 EssentialIndustrial Relations & Labour Laws
*Science, maths and current affairs together had 19 questions in 2025. Counts are Sagar Prep's own analysis of the 2025 paper and are indicative, not official. Syllabus as notified for 2026 — verify against the UPSC notice.
What makes these notes different
Made for this one exam. Not a general GK book with an EPFO cover — every page is chosen for the APFC & EO/AO paper.
Labour Codes as the 2026 syllabus has them. Written from the four codes, not patched from old labour-law notes.
Current to September 2026. ₹25,000 EPF wage ceiling, Budget 2026–27, new GDP and CPI base years.
PYQ marked on the exact point. PYQ Pulse boxes show where the paper already asked it.
290 pages you can finish. Read in 3 weeks, revise 4 times before 20 December.
English or हिंदी, same price.
“Read the free pages first. If they don’t help you, don’t pay. I would rather you buy nothing than buy the wrong notes.”
— Team Sagar Prep
Judge before you payThe introduction and 9 real pages of every subject, in English and हिंदी. The first pages open instantly; the rest unlock free with your name and email. No payment.
Built on the paper, not guessworkEvery chapter filtered against ten years of EPFO questions and the 2026 syllabus.
Current to September 2026New EPF wage ceiling of ₹25,000, the four Labour Codes, Budget 2026–27, the new GDP and CPI base years — already in.
One writer, one help deskQuestions go to the person who wrote the notes, on Telegram. Ask before you buy.
Safe payment, instant filesRazorpay handles UPI and cards. Download opens the moment you pay. Charged but not delivered? Fixed or refunded.
Free updates till 20 DecemberIf a figure changes before the exam, the booklet is revised and you are told where to download it.
Each mock is a complete paper on the UPSC pattern: a test booklet in English and हिंदी, 120 questions, 2 hours, +2.5 / −0.83, an OMR sheet, then the answer key and a full explanation for every question. Read the first 10 pages of Mock Test 1 right here, then get the full mock free on email. Mocks 2–10 are ₹399 separately — or FREE when you take the Essential + Booster packs together (₹1,299).
Mock Test 1FREEPage 1 / 10
You have read the free pages
Get the full Mock Test 1 on email
All 120 questions, OMR sheet, answer key and explanations — free. We email the PDF to you, with your name and email printed on it.
Sent! Check (and the spam folder). The link works until 20 December.
Swipe or use the arrows · tap a page to zoom
Mocks 2–10
₹399 for all nine
FREE only with Essential + BoosterTake both packs (₹1,299) and all 10 mocks come free — worth ₹1,897. Otherwise the mocks are ₹399 separately.
120 questions · 300 marksEnglish 20, Accounts 15, Mental Ability 15, History 10, Polity 10, Current Events 10, Labour Codes 9, Social Security 9, Science 8, Computers 7, Economy 7.
Bilingual, like the real bookletEvery item in English and हिंदी (General English in English only), set out as the UPSC test booklet is.
Every answer explainedThe key, the reasoning, the PYQ it links to and the booklet chapter to revise — so each wrong answer becomes a fix.
Judge it before you pay for it
The introduction and nine real pages from each Essential subject, in English or हिंदी, and eight pages from each Booster subject — exactly as they appear in the full notes. Tap a subject to open it. The pages fit your screen; tap a page to zoom in.
APFC 2026 · the clock is running
The paper is on 20 December. Here is what you are up against, and what the Complete Pack gives you for it.
You enter your name, email and phone here, then the Razorpay window opens over this page for UPI, card, net banking or wallet. Razorpay handles the payment end to end — your card and UPI details never reach us.
2
Your copy is stamped as it is prepared
The email and phone you entered are printed faintly across the background of every page. The notes are yours, and they are traceable to you — which is what keeps them off the forwarding groups.
3
The download opens straight away
You land on the download page the moment payment succeeds. The same link is emailed to you, and it stays valid until the exam.
4
Updates until 20 December, free
If a figure changes — the wage ceiling, a budget number, a new notification — the edition is revised and you are told where to download it again.
₹999Essential Pack
All six subjects for the 2026 Recruitment Test. One payment, no subscription. That is about ₹166 a subject, or ₹3.50 a page.
Secure payment by Razorpay · UPI, cards, net banking · We never see your card details
₹499Booster Pack
The other four parts of the syllabus. Buy it on its own, or with the essential pack as the ₹1,299 Complete Pack, which also includes all 10 mock tests free.
Secure payment by Razorpay · UPI, cards, net banking
Get the free sample PDFs by email
Choose a pack, leave your name and email, and we email you one PDF per subject to
keep and read offline — the introduction page and nine pages of real notes from each booklet, in English or Hindi.
Essential Pack: 6 separate subject PDFs
Booster Pack: 4 separate subject PDFs
Essential Pack ₹999 for 290 pages — about ₹3.50 a page
We counted the 2025 paper before writing a single page
The Recruitment Test is 2 hours, 300 marks, pen and paper, in English and Hindi. Marks are not spread evenly across the syllabus, so the notes are not either. Here is where the questions went last year.
What that means for the days you have left
Polity and history together, English, accountancy and social security carried the paper. Those four areas are where the ₹999 package spends most of its pages — and the two areas the syllabus changed for 2026, Labour Codes in place of Labour Laws, are rewritten from the codes themselves rather than patched from old labour-law notes.
General English is not in the ₹999 package because not everyone needs it. It is sold on its own, so you do not pay for pages you will skip.
Counts are Sagar Prep's own analysis of the 2025 EPFO paper and are indicative, not official. History and culture accounted for roughly nine questions inside the polity-and-history block.
What ₹999 puts on your phone
Six subject booklets as PDFs, each with its own quiz that runs offline in your browser — no internet, no login, no app. Read a free sample of any subject before you decide.
You do not need a PhD in labour law. You need to pass on 20 December.
There is no shortage of material for this exam. There is a shortage of time. Three ways to cover the same syllabus:
Why most candidates miss it
Five books open at once and no idea which one the question will come from. Every chapter read at the same slow speed, whether it carries fifteen marks or zero. Notes copied but never revised. By November the syllabus is still not finished, so nothing gets a second reading — and in the hall, four options all look familiar and none feels certain. It was never a shortage of effort. It was a confused mind carrying too much.
Why the ones who clear it, clear it
They read less, not more — but they read the right thing, and they read it four times. They know before opening a page whether it has ever been asked. They finish the syllabus by October so that November and December are pure revision, and they test themselves instead of re-reading. On the morning of the exam they are not learning anything new. They are only remembering, and remembering is fast.
Recorded lectures
150–250 hrs
₹8,000 – ₹25,000
Thorough, and you will finish in March. Most of it is a teacher reading a slide you could have read in a tenth of the time.
Standard books
6–9 books
₹4,000 – ₹7,000
Written for law students and CA aspirants, not for a 2-hour objective paper. You spend your evenings deciding what to skip.
Sagar Prep notes
290 pages
₹999
One pass in about three weeks, revision in a weekend, and 414 questions to prove you actually remember it. Everything already filtered against past papers.
Hours and prices for the first two routes are indicative market ranges for APFC preparation, given for comparison only.
Six things a page can do for you
Every chapter is built from the same six devices, so you always know what you are looking at and what to do with it.
At a Glance
The chapter in ten lines. Read it first, read it again the night before.
PYQ Pulse
This exact point has already been asked. The year and the paper are named.
Trap Alert
Where the options are designed to mislead, and how the trap is usually built.
Memory Hook
A hook for the figures and lists you will otherwise lose by December.
Update
What changed in 2025–26, dated, so you are not revising last year's position.
Don't Confuse
Look-alike facts placed side by side before the exam does it to you.
The same desk, two Decembers apart
Nobody walks into that office by accident. It is built out of ordinary evenings like tonight — the difference is only what sits open on the desk.
→
Tonight
One lamp, one mug, a stack of books and a syllabus that does not care how tired you are. This part nobody can do for you. What we can do is make sure the hours you give it are not wasted on pages that were never going to be asked.
The other side
Your name on the plate, files that move because you signed them, and a service that only goes up from here. It is not a fantasy — it is a specific room, on a specific date, that somebody is going to walk into.
We prefer quality over quantity.Prepare today for a better tomorrow
What you are actually writing this paper for
Assistant Provident Fund Commissioner, Employees' Provident Fund Organisation, Ministry of Labour and Employment. Here is the job waiting on the other side of 20 December.
Pay and entitlements shown here are indicative and vary with posting, allowances and deductions. Eligibility and service conditions are as per the UPSC notification — always read the official advertisement before you apply.
The 2026 syllabus, and where our pages sit on it
One Recruitment Test, 300 marks, 120 objective questions, 2 hours, English and Hindi. Teal cards are covered by the ₹999 package. The two grey cards are honestly outside it — we would rather tell you now than sell you a gap.
Syllabus as notified for the 2026 Recruitment Test. Verify against the official notification.
Our priority: quality over quantity.
Every line in these notes has to earn its place by helping you answer a question. If it cannot, it is cut. That is the whole editorial rule — and it is why 290 pages beat 900. Prepare today for a better tomorrow.
Who writes these
Sagar Prep is an independent study desk from Meerut. Every booklet
is written by hand against the 2026 syllabus and ten years of EPFO papers. Nothing here is
a forwarded PDF or a coaching handout with the logo changed.
The work that goes in before a page is written is the part you never see. Every question
from every available paper is read, sorted by topic, and checked for what the Commission
was really testing — the exact clause, the exact figure, the distinction the wrong
options were built around. Only what survives that filter is written up. Everything else
is left out on purpose.
That is the whole point. Your time is the scarce thing, not the material. Most of
you are preparing around a job, a college, a commute — and not everybody gets to study
every single day. A week can disappear and nothing can be done about it. So the booklets
are built to be finished by someone with limited hours, not by someone with all day: thin,
ordered, and free of the pages that were never going to be asked.
The help desk is answered by the same person who writes the notes —
about the notes, about payment, or about what to revise first.
Ask before you buy.
What readers say
Bought the notes? Tell us how they worked. Every review is read before it appears.
Bought the notes? Write a line.
Every review is read before it appears. If your email is on an order, the review is
marked verified buyer. Your email is never shown on the site.
Stuck on something? Ask.
There is one help desk, and it is on Telegram. Questions about the notes, about payment, about what to revise first — all of it goes to the same place, and it is answered by the person who wrote the notes.
UPSC EPFO Help Desk
Free to join. Updates, doubt-clearing and exam notifications.
