See how your Provident Fund balance could grow by retirement, based on your Basic salary, raises, and EPFO's interest rate.
Most product/tech employers use 12% of Basic; some cap both sides at the statutory ₹1,800/month minimum.
Projected EPF balance at age 58
₹4.77 Cr
Rough projection only — assumes a constant interest rate and steady annual increments, and doesn't model the employer's pension-scheme (EPS) split. EPFO reviews the interest rate annually. Not financial advice.
Employees contribute 12% of Basic salary (+ Dearness Allowance) to EPF each month. Employers match this with an equal 12% contribution, though a portion of the employer's share (8.33%, capped) is routed to the Employees' Pension Scheme (EPS) rather than the EPF account itself.
EPFO sets the EPF interest rate annually — it has generally been in the 8-8.25% range in recent years. It's declared by the government each year and can change, so treat any long-term projection as directional rather than guaranteed.
Yes, under specific conditions — full withdrawal is allowed after 2 months of unemployment, and partial withdrawals are permitted for reasons like home purchase, medical emergencies, marriage, or education, subject to EPFO's eligibility rules for each type.
EPF interest is tax-free up to a combined employee contribution of ₹2.5L per year (₹5L if your employer doesn't contribute to your EPF). Interest earned on contributions above that threshold is taxable in the year it's credited.