Calculate your Employee Provident Fund monthly contributions, employer share, interest earned, and projected retirement corpus at 8.25% EPFO rate.
EPF gives 8.25% guaranteed. NPS and ELSS mutual funds can potentially deliver 10–14% over long term. Invest the extra and retire wealthy.
Start NPS on Groww → Compare ELSS funds on ScripboxEPFO has declared 8.25% interest rate for FY 2025-26, same as the previous year. Interest is calculated on monthly running balance and credited annually to your EPF account. The effective annual yield is slightly higher due to monthly compounding.
Employee contributes 12% of (Basic Salary + DA). Employer also contributes 12% of Basic+DA: 3.67% goes to EPF account and 8.33% goes to EPS (Employee Pension Scheme), capped at ₹1,250/month based on ₹15,000 salary ceiling. If basic exceeds ₹15,000, employer EPS is still capped at ₹1,250.
Yes, EPF maturity is fully tax-free if you have 5+ years of continuous service. Contributions up to ₹1.5 lakh are eligible for 80C deduction. However, interest on contributions above ₹2.5 lakh/year is taxable from FY 2021-22 onwards.
Yes. Download the UMANG app or visit epfindia.gov.in. You can also check via missed call on 9966044425 (registered mobile) or SMS "EPFOHO UAN" to 7738299899. Your UAN (Universal Account Number) links all EPF accounts across employers.
Voluntary Provident Fund (VPF) allows employees to contribute more than the mandatory 12% — up to 100% of Basic+DA. VPF earns the same 8.25% EPF interest, qualifies for 80C deduction, and the maturity is tax-free. It is one of the best risk-free investment options in India.