EPF Calculator
Provident Fund Corpus at Retirement · 8.25% Interest · FY 2025-26
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EPF Details
Monthly Basic Salary + DA (₹)
Employee Contribution (%)
12%Current Age
Retirement Age
Annual Salary Increment (%)
8%EPF Interest Rate (% p.a.)
8.25%Current EPF Interest Rate
8.25% p.a. for FY 2023-24 (announced by EPFO). Employee contributes 12% of Basic+DA; Employer contributes 12% (3.67% to EPF + 8.33% to EPS, capped at ₹1,250/month EPS).
EPF Corpus at Retirement
₹0
Over 30 years
Total Invested
₹0
Employee + Employer EPF
Interest Earned
₹0
Tax-free returns
EPF Breakdown
Years to Retirement0
Employee Contribution₹0
Employer EPF Contribution₹0
Total Principal Invested₹0
Interest Earned₹0
Total EPF Corpus₹0
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Frequently Asked Questions
The EPFO (Employees' Provident Fund Organisation) declared an interest rate of 8.25% for FY 2023-24. The interest is credited annually to the EPF account and is completely tax-free on withdrawal after 5 continuous years of service.
Of the employer's 12% contribution, 8.33% goes to the Employees' Pension Scheme (EPS) — capped at ₹1,250/month (on salary capped at ₹15,000) — and the remaining 3.67% goes to EPF. The EPS builds a pension corpus (not available for withdrawal like EPF) while the EPF balance earns interest and is fully withdrawable.
Full EPF withdrawal is allowed on retirement (58 years), after 2 months of unemployment, or on emigrating abroad. Partial withdrawal is allowed for specific purposes: housing (after 5 years), medical treatment (anytime), marriage/education (after 7 years), and home loan repayment (after 10 years).
EPF withdrawal is completely tax-free if you have completed 5 continuous years of service. If withdrawn before 5 years, the entire amount (both employee and employer contributions + interest) becomes taxable. TDS @10% is deducted if PAN is provided; @34.608% without PAN.
Yes, through Voluntary Provident Fund (VPF). You can contribute up to 100% of your Basic+DA to VPF, which earns the same EPF interest rate (8.25%). VPF contributions also qualify for Section 80C deduction up to ₹1.5L. However, employee contributions above ₹2.5L/year attract tax on the interest earned.