I'm under employment. Inform your HR to help fill up and submit Form 17A and you need to inform your employee % you want to contribute.
My consideration to do >11% for employee is after monthly:
- pay off all loans/CC
- cover all expenses
- some liquid cash/FD savings
- some for other non-EPF investment
- additional savings for bulk that come in some months, e.g. car insurance, roadtax, travel, annual fees, professional fees, etc.
Then only commit the amount (%) additional.
You may stop or change via Form 17A anytime, but try not to over commit too much and strangle ownself. Start with a % you are really really comfortable.
Also my consideration is either hit age 55 or >1M first. Then my EPF is like a savings/FD account already, can withdraw anytime and continue to compound.

Thank you so much for such a great idea. I remember the same Form 17A is to fill up in order to select either 9% or 11% contribution. I have never thought of changing it through this form, I thought I personally self contribute like a thousand from my own saving acc, now after you mentioned it, I realised that going through the employer will be better as it will not be taxable.