Current EPF Balance from UAN portal · 0 if starting
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Rate Details
EPF Interest Rate current: 8.25%
%
EPF Balance at Retirement
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Total Invested (Emp + Emp)
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Interest Earned
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Employee Contribution
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Employer Contribution
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Year-by-Year EPF Balance Growth
Year-by-Year Breakdown
Year
Basic (Mo)
Total Cont.
Balance
EPF — Frequently Asked Questions
What is the current EPF interest rate?+
The EPFO declared an EPF interest rate of 8.25% for FY 2023-24, retained for FY 2024-25, and again ratified at 8.25% for FY 2025-26 — the third consecutive year at this rate. The rate for FY 2026-27 has not yet been announced; EPFO typically decides it toward the end of the financial year. EPF interest is credited annually to member accounts on March 31.
How is EPF split between employee and employer?+
Employee contributes 12% of (basic + DA). Employer also contributes 12%, split as: 3.67% to EPF account + 8.33% to EPS (Employee Pension Scheme). So only the employer's 3.67% goes into your EPF corpus (EPS builds the pension). If basic salary > ₹15,000/month, the employer contribution is capped for EPS at ₹1,250/month.
Is EPF maturity taxable?+
EPF is EEE (Exempt-Exempt-Exempt): contributions (employee's 12%) eligible for 80C, interest is tax-free, and maturity is tax-free — provided you have served continuously for 5+ years. If you withdraw before 5 years, TDS at 10% (if PAN available) is deducted and the withdrawal becomes taxable. Employer contribution is taxable on withdrawal if employee withdraws before 5 years.
When can I withdraw from EPF?+
Full withdrawal: at retirement (age 58) or after 2 months of unemployment. Partial withdrawal (advance) is allowed for: home purchase/construction, medical emergency, marriage, education, and home loan repayment. Partial withdrawals have specific eligibility periods and limits. Use the UAN portal or EPFO app to apply for withdrawals.
Can I transfer my EPF when I change jobs?+
Yes, and you should. Your UAN (Universal Account Number) stays the same for life, so you simply link your new employer's EPF account to your existing UAN and submit an online transfer request via the EPFO member portal. Leaving an old EPF account inactive rather than transferring it means it stops earning interest after 3 years of no contribution, so consolidating on job change is generally the better move.
What is the VPF (Voluntary Provident Fund) option?+
VPF lets you voluntarily contribute more than the mandatory 12% of basic+DA — up to 100% of your basic salary — into your EPF account, earning the same EPF interest rate with the same EEE tax treatment. It's one of the highest guaranteed, tax-free returns available to salaried employees, making it attractive for anyone who has maxed out other 80C options and wants a safe way to boost retirement savings.
Does EPF interest keep accruing after I leave a job?+
EPF continues to earn interest for 3 years from the date of the last contribution, even if you're not employed or haven't transferred the account. After 3 years of inactivity, the account becomes "inoperative" and stops earning interest (per current EPFO rules), though the principal remains safe and withdrawable. This is another reason to transfer or withdraw an old EPF account rather than leaving it dormant indefinitely.
EPF Calculator India 2026 — How Your Provident Fund Grows
The Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India, jointly funded by employee and employer contributions and administered by the EPFO. It's one of the safest, most tax-efficient long-term savings vehicles available to salaried Indians, thanks to its EEE tax status and government-backed guarantee.
Worked Example: ₹40,000 Basic Salary, 30 Years to Retirement
For an employee with a ₹40,000/month basic salary, an assumed 8% annual increment, and 30 years until retirement at the current 8.25% EPF rate, the combined employee (12%) and employer (3.67% into EPF, 8.33% into EPS) contributions compound into a retirement corpus that can reach well over ₹2 crore — a substantial share of it from compounding interest rather than direct contributions, illustrating why starting EPF contributions early matters far more than the exact starting salary.
Where Does the Employer's 12% Actually Go?
Contribution
Rate
Goes To
Employee
12% of Basic+DA
100% to EPF account
Employer
3.67% of Basic+DA
EPF account (your withdrawable corpus)
Employer
8.33% of Basic+DA
EPS (pension scheme, capped at ₹1,250/mo if basic > ₹15,000)
This split is a common source of confusion — only the employer's 3.67% actually lands in the EPF corpus you see in your passbook. The 8.33% EPS portion instead builds a separate monthly pension payable after age 58, governed by its own set of rules distinct from EPF withdrawal.