🇮🇳 India EPF Calculator
Calculate EPF (Employees Provident Fund) retirement corpus with employer contributions in India.
Current rate: 8.25% (FY 2023-24)
India EPF Calculator
Enter your details to calculate
Understanding EPF
Employee Contribution
12% of basic salary + DA goes to your EPF account every month.
Employer Contribution
12% from employer: 3.67% to EPF and 8.33% to Employees' Pension Scheme (EPS).
Interest Rate
Current rate: 8.25% p.a. (FY 2023-24). Interest compounds annually.
EPF vs EPS Comparison
| Feature | EPF | EPS |
|---|---|---|
| Contribution | 3.67% (employer) | 8.33% (employer) |
| Benefit | Lump sum at retirement | Monthly pension |
| Max Salary | No limit | ₹15,000 |
| Eligibility | All EPF members | 10 years service |
Frequently Asked Questions
Who is eligible for EPF?
EPF is mandatory for employees earning up to ₹15,000/month in establishments with 20+ employees. Higher-paid employees can opt in voluntarily.
Can I increase my contribution?
Yes, you can contribute more than 12% through Voluntary Provident Fund (VPF). It earns the same interest rate as EPF.
When can I withdraw my EPF?
Full withdrawal is allowed after retirement (58 years) or 2 months of unemployment. Partial withdrawals are allowed for housing, medical emergencies, and education.
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