Calculate your exact PF balance, interest earned and total maturity. Employee + employer contribution breakdown with year-wise chart.
✅ 8.25% Interest (EPFO 2025-26)Tax-free after 5 years₹15K salary → ₹3,600/mo to PF
🏛️ Enter Your EPF Details
₹30K
Basic + DA only — NOT total CTC. Usually 40-50% of total salary.
12%
Minimum 12% mandatory. Can voluntarily increase (VPF).
10 yrs
8.25%
Current EPFO rate: 8.25% (2025-26). Reviewed annually.
Expected yearly salary hike. This grows your PF contributions too.
💰 EPF Balance Results
Total EPF Balance at Maturity
₹0
—
₹0
Your Contribution
₹0
Employer Contribution
₹0
Total Interest
₹0
Monthly Deduction
Current Monthly PF Deduction₹0
Employer EPF (3.67%)₹0
Employer EPS (8.33%)₹0
Tax-free Withdrawal?—
EPS Pension (monthly)—
📈 Year-Wise EPF Balance Growth
Enter details to see chart
📋 EPF Contribution Breakdown
Component
Employee
Employer
Total
Goes To
EPF (Provident Fund)
12%
3.67%
15.67%
EPF Account (earns 8.25%)
EPS (Pension)
0%
8.33%
8.33%
Pension (min 10yr service)
EDLI (Insurance)
0%
0.50%
0.50%
Life insurance coverage
Admin Charges
0%
0.50%
0.50%
EPFO administration
Max EPF-eligible salary = ₹15,000/month (EPFO ceiling). Above ₹15K, contributions are on actual salary.
EPF Calculator — सब कुछ जानें | Complete Guide
EPF (Employee Provident Fund) — यह हर salaried employee का retirement savings account है। आपकी Basic + DA salary का 12% हर महीने automatically कट कर EPFO में जाता है। Employer भी 12% contribute करता है।
8.25% interest rate — यह India के सबसे safe guaranteed returns में से एक है। FD देता है 7.1%, PPF देता है 7.1%, लेकिन EPF देता है 8.25%! और 5 साल बाद withdrawal पर ZERO tax!
EPF Withdrawal Rules 2025-26
Situation
Withdrawal Allowed
Tax
Retirement (age 58)
100% — Full corpus
Tax-free always
After 5 years service
100%
Tax-free ✅
Unemployment 2+ months
75% advance
Taxable if < 5 yrs
Medical emergency
6 months basic+DA
Tax-free
Home purchase
Up to 90% after 5 yrs
Tax-free
Marriage / Education
50% after 7 yrs
Tax-free
How to Check EPF Balance
Method 1 — EPFO Website: epfindia.gov.in → Member passbook Method 2 — UMANG App: Download UMANG → EPF passbook Method 3 — SMS: Send EPFOHO UAN to 7738299899 Method 4 — Missed Call: Give missed call to 011-22901406 from registered mobile
❓ EPF के बारे में सवाल
EPF interest rate 2025-26 क्या है?▼
EPFO ने FY 2025-26 के लिए EPF interest rate 8.25% प्रति वर्ष declare किया है। यह rate annually compound होता है और March के अंत में credit होता है। यह PPF (7.1%) और FD (7.1%) से ज़्यादा है।
Is EPF better than PPF for retirement?▼
EPF (8.25%) gives higher returns than PPF (7.1%) and both are tax-free. EPF is mandatory for salaried employees with employer matching. PPF has ₹1.5L annual limit. For retirement: EPF first, then VPF or NPS for additional savings. Both qualify for 80C deduction.
Can I increase my EPF contribution beyond 12%?▼
Yes! This is called VPF (Voluntary Provident Fund). You can contribute any amount above 12% — up to 100% of basic salary. All VPF contributions earn the same 8.25% EPF rate and qualify for 80C deduction up to ₹1.5L. Employer is NOT required to match VPF contributions.