Current EPF Balance from UAN portal · 0 if starting
₹
Rate Details
EPF Interest Rate current: 8.25%
%
EPF Balance at Retirement
—
—
Total Invested (Emp + Emp)
—
Interest Earned
—
Employee Contribution
—
Employer Contribution
—
Year-by-Year EPF Balance Growth
Year-by-Year Breakdown
Year
Basic (Mo)
Total Cont.
Balance
EPF — Frequently Asked Questions
What is the EPF interest rate for FY 2025-26?+
The EPFO (Employees Provident Fund Organisation) declared an EPF interest rate of 8.25% for FY 2023-24, which continued for 2024-25. The rate for FY 2025-26 is expected to be announced by the EPFO Central Board of Trustees. 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.