India · EPF · FY 2025-26 · 8.25%

EPF Calculator India

Calculate your complete EPF retirement corpus — employee contribution, employer contribution and 8.25% compound interest growth.

8.25% InterestEEE Tax-FreeEPS PensionEmployer Match
🏢 EPF Maturity Calculator
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EPF Maturity Amount
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at retirement
Employee Contribution
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Employer Contribution
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Total Interest Earned
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Monthly EPS Pension
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EPF — Frequently Asked Questions
What is the EPF interest rate for 2025-26?+
8.25% per annum, declared by EPFO. Interest is credited annually at the end of each financial year to your EPF account. This is one of the highest guaranteed, risk-free, tax-free returns in India.
How is EPF contribution calculated?+
Employee contributes 12% of Basic + DA. Employer contributes 12% total — split as 3.67% to EPF and 8.33% to EPS (pension). Total EPF inflow = 15.67% of basic salary monthly.
What is the difference between EPF and EPS?+
EPF = your retirement lump sum corpus. EPS = monthly pension after age 58. EPS gets 8.33% of employer contribution (max ₹1,250/month). You cannot withdraw EPS before 10 years of service.
Is EPF maturity amount tax-free?+
Yes — EPF has EEE status. Contributions deductible under 80C, interest is tax-free, maturity is tax-free — if you have completed 5 years of continuous service. Withdrawal before 5 years is taxable.
Can I withdraw EPF before retirement?+
Partial withdrawal allowed for medical emergency, house purchase (up to 36 months basic after 5 years), marriage, education. Full withdrawal allowed after 2 months of unemployment or at retirement age 58.
📊 EPF Contribution Split
Employee (to EPF)12% of Basic+DA
Employer (to EPF)3.67%
Employer (to EPS)8.33%
Total EPF inflow15.67%
EPS cap₹1,250/month
Interest Rate 2025-268.25%
🏢 EPF at ₹30K Basic (8.25%)
10 years~₹12 L
20 years~₹36 L
30 years~₹1.0 Cr
35 years~₹1.67 Cr
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EPF Calculator India 2025-26 — Provident Fund Maturity & EPS Pension

Calculate your complete EPF retirement corpus — employee contribution, employer contribution and 8.25% compound interest growth over your career.

How EPF Contribution Works

Who% of Basic+DAGoes To
Employee12%EPF (full)
Employer3.67%EPF
Employer8.33%EPS (Pension)
Total EPF15.67%Your corpus

EPF Maturity at ₹30,000 Basic at 8.25%

Service YearsTotal EPFInterestMaturity
10 years₹7.2L₹4.8L₹12L
20 years₹14.4L₹21.6L₹36L
30 years₹21.6L₹78.4L₹1.0 Cr
35 years₹25.2L₹1.42 Cr₹1.67 Cr
Why is EPF pension (EPS) so low?
EPS contribution is capped at ₹1,250/month (based on ₹15,000 salary cap set in 2014). Even on ₹1 lakh basic, the EPS contribution is only ₹1,250/month. This is why EPF pension is limited for high earners. The pension formula is: (Pensionable Salary x Pensionable Service) / 70.
What is EPFO UAN and how does it help?
UAN (Universal Account Number) is a 12-digit number assigned to every EPF member. It remains constant throughout your career even when you change jobs. You can transfer, withdraw, and check your EPF balance using UAN on the EPFO member portal or Umang app.
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