Planning for retirement? Know how much your EPF corpus will be when you turn 58. Current EPF interest rate: 8.25% p.a.
How EPF Works
- Employee: 12% of Basic + DA goes to EPF
- Employer: 3.67% to EPF + 8.33% to EPS (pension), capped at ₹1,250/month for EPS
- Interest: 8.25% per annum, calculated monthly, credited annually
Quick Example
Basic salary: ₹30,000/month, Age: 25, Increment: 8%/year
| At Age | EPF Balance |
|---|---|
| 35 | ~₹10.5 lakh |
| 45 | ~₹42 lakh |
| 55 | ~₹1.3 crore |
| 58 | ~₹1.9 crore |
The power of compounding makes a massive difference!
EPF Withdrawal Rules
| Purpose | Max Withdrawal | Condition |
|---|---|---|
| Medical | 6 months wages | Self/family |
| Home Purchase | 36 months wages | 5 yrs service |
| Marriage | 50% employee share | 7 yrs service |
| Education | 50% employee share | 7 yrs service |
| Pre-retirement | 90% balance | Age 54+ |
Try the Calculator
🔢 EPF/PF Calculator — calculate your retirement corpus instantly, no login required.
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