What is the current EPF interest rate in India?

The Employee Provident Fund Organisation (EPFO) Central Board of Trustees has set the statutory EPF interest rate at 8.25% per annum.

How is EPF contribution split between employee and employer?

The employee contributes 12% of Basic Salary + DA to the EPF. The employer contributes 12% in total: 3.67% goes to the EPF account and 8.33% is directed to the Employees' Pension Scheme (EPS), subject to statutory caps.

Statutory 8.25% EPFO Rate

Employee Provident Fund (EPF) Calculator

Simulate monthly employee (12%) and employer (3.67%) contributions, annual salary increments, and final retirement nest egg under EPFO compounding rules.

Salary & EPF Parameters

Monthly Basic Salary + DA (₹)₹50,000

Current Age: 28 Yrs

Retirement Age: 58 Yrs

Annual Salary Hike: 7%

EPFO Rate: 8.25%

Existing EPF Balance (₹)₹1,00,000

Projected Retirement EPF Corpus (Age 58)

₹2,60,12,343

Over 30 years of compounded contributions.

Employee Share₹68.0 L12% Basic

Employer Share₹20.8 L3.67% to EPF

Interest Earned₹170.3 L@ 8.25% p.a.

Total EPF Corpus₹2,59,12,343

Employee Share (12%)

₹68,01,15626%

Employer Share (3.67%)

₹20,80,0448%

EPFO Compounded Interest

₹1,70,31,14366%

Complement With Equities

Pair Safe EPF (8.25%) with an Equity SIP (12%)

The golden retirement formula: Safe sovereign debt via EPF + wealth compounding via index mutual funds.

Retirement SIP Goal

EPFO Statutory Guidelines: Interest rate is subject to periodic declaration by the EPFO Central Board of Trustees with Ministry of Finance concurrence. Under Section 10(11), interest on employee contribution exceeding ₹2.5 Lakhs per year (₹5 Lakhs if no employer contribution) is subject to income tax.