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EPF Calculator India 2026 - Provident Fund Maturity & Monthly Contribution

Project your EPF maturity corpus, EPS share, and monthly employer + employee contribution under the EPF and MP Act, 1952. Apply or skip the Rs 15,000 wage ceiling under Section 6.

Step 1 - Inputs

Your EPF details

Step 2 - Projection

Monthly Contribution & Maturity

Maturity at Retirement

Rs 0

Years to retirement: 0 | Interest assumed: 8.25%

Estimate only. Final balance depends on actual interest rate notified yearly, salary changes, and partial withdrawals.

Contribution Logic

How EPF Contribution Splits in India

Employee 12%

Deducted from monthly salary on Basic plus DA under Section 6 of the EPF & MP Act, 1952.

Employer 12%

Matching employer share on Basic plus DA. Splits between EPS and EPF.

EPS 8.33%

Capped at Rs 1,250 per month on Rs 15,000 wage ceiling under EPS, 1995.

EPF 3.67%

Balance of employer share credited to EPF member account under Para 29 EPF Scheme.

EDLI 0.5%

Employer-funded insurance up to Rs 7 lakh under EDLI Scheme, 1976.

Annual Interest

EPF interest rate notified by Ministry of Labour each financial year. Credited annually.

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EPF Calculator FAQ

What is the EPF contribution rate in India?
Employee contribution is 12 percent of Basic plus DA under Section 6 of the EPF and MP Act, 1952. Employer contribution is also 12 percent of Basic plus DA. The employer share splits into 8.33 percent towards EPS and 3.67 percent towards EPF, with EPS capped at Rs 1,250 per month on a Rs 15,000 wage ceiling.
What is the PF wage ceiling in India?
The statutory PF wage ceiling is Rs 15,000 per month under the EPF Scheme, 1952. Employees earning more than Rs 15,000 can still be EPF members. Employers may choose to restrict contribution to the ceiling or contribute on actual wages.
What is the current EPF interest rate?
The Ministry of Labour notifies the EPF interest rate every financial year on recommendation of the EPFO Central Board of Trustees. The rate is credited to member accounts annually. Always verify the current rate on the EPFO portal before relying on a calculator estimate.
How is EPS pension calculated?
EPS pension uses the formula (Pensionable Salary x Pensionable Service) divided by 70 under the EPS, 1995. Pensionable salary is capped at Rs 15,000 unless the higher pension option was exercised. Minimum pension under EPS is Rs 1,000 per month.
Is EPF withdrawal taxable?
EPF withdrawal is tax-free after 5 years of continuous service under Section 10(12) of the Income Tax Act, 1961. Withdrawal before 5 years is taxable and TDS at 10 percent applies under Section 192A if amount exceeds Rs 50,000.
What is EDLI in EPF?
EDLI is the Employees Deposit Linked Insurance Scheme, 1976. Employer contributes 0.5 percent of Basic plus DA capped at Rs 75 per month. Nominee receives up to Rs 7 lakh on the death of the EPF member during service.

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