🇮🇳 EPF · FY 2025-26
EPF Calculator India 2025-26
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+DA | Goes To |
|---|
| Employee | 12% | EPF (full) |
| Employer | 3.67% | EPF |
| Employer | 8.33% | EPS (Pension) |
| Total EPF | 15.67% | Your corpus |
💡 EPS cap: Employer's 8.33% for EPS is capped at ₹1,250/month (based on ₹15,000 salary cap). Even on ₹1L basic, EPS contribution is only ₹1,250. This is why EPF pension is limited for high earners.
EPF Maturity — ₹30,000 Basic at 8.25%
| Service Years | Total EPF | Interest | Maturity |
|---|
| 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 |
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 can't 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.
For educational purposes. EPF rates subject to change by EPFO. Actual corpus may vary based on salary revisions and EPFO regulations.