PF / EPF Accumulation
Basic Monthly Salary + DA
₹25,000
Current Age
25 Yrs
Retirement Age
60 Yrs
Annual Salary Increment (%)
8%
Current EPF Interest Rate (%)
8.15%
Maturity Value₹1,91,02,688
Total Contributions
Interest Earned
Total Contribution₹62,03,405
Interest Earned₹1,28,99,283
Accumulation Period35 Years
Net Maturity₹1,91,02,688
How EPF Compounding Works
The Employee Provident Fund (EPF) is a retirement benefit scheme. Both the employee and employer contribute 12% of the basic salary.
The Employer Split
While the employee's 12% goes fully to PF, the employer's 12% is split:
• 3.67% goes to the EPF (Provident Fund)
• 8.33% goes to the EPS (Pension Scheme)
Tax Benefit
Contributions made towards EPF qualify for a tax deduction under Section 80C, up to a limit of ₹1.5 lakh per year.