PF Calculator India – EPF Accumulation & Maturity
Calculate monthly EPF contribution, year-on-year accumulation, VPF top-up and final maturity at retirement.
EPF interest rate: 8.25% p.a. (FY 2024-25)
Understanding Provident Fund
Employee: 12% of Basic+DA. Employer: 12% (3.67% to EPF + 8.33% to EPS pension).
You can voluntarily contribute up to 100% of Basic. Earns same interest, fully tax-free up to ₹2.5L per year.
Employee contribution qualifies under 80C (up to ₹1.5L). Interest tax-free if contribution ≤ ₹2.5L/year.
Full withdrawal: after retirement or 2 months unemployment. Partial: medical, marriage, education, housing.
Minimum 10 years contribution required. Pension starts at age 58.
Use UAN to seamlessly transfer PF between jobs—never withdraw mid-career.
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Frequently asked questions
What is the current PF interest rate?+
8.25% p.a. for FY 2024-25, declared by EPFO. Updated annually.
Is VPF a good investment?+
Yes—same returns as EPF, fully safe, tax-free up to ₹2.5L/year. Better than most debt instruments.
Can I withdraw PF while still employed?+
Only partial withdrawals for specific reasons (medical, marriage, home loan). Full withdrawal requires 2 months unemployment.
What happens if I switch jobs?+
Use your UAN to transfer balance to the new employer's PF account. Don't withdraw—you lose compounding.
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