🏭 EPF Calculator

What is EPF?

EPF (Employee Provident Fund) is a mandatory retirement savings scheme for salaried employees in India, managed by the EPFO (Employees' Provident Fund Organisation). Both the employee and employer contribute 12% of the employee's basic salary plus dearness allowance each month to the EPF account. Our EPF calculator online helps you estimate your total EPF corpus at retirement.

EPF Contribution Breakdown

• Employee Contribution: 12% of Basic + DA — goes entirely to EPF account
• Employer Contribution: 12% of Basic + DA — split as 8.33% to EPS (Employee Pension Scheme) and 3.67% to EPF
• EDLI (Insurance): Employer pays an additional 0.5% toward group insurance
• Admin Charges: Employer pays 0.5% toward EPFO administration

EPF Interest Rate

The EPF interest rate is declared annually by the EPFO board and approved by the Ministry of Finance. It has ranged from 8.1% to 8.65% in recent years. Interest is calculated monthly on the running balance but credited annually on March 31st. The interest earned in EPF is completely tax-free up to a contribution of Rs. 2.5 lakh per year.

EPF Withdrawal Rules

You can make full EPF withdrawal after retirement (age 58) or after being unemployed for 2+ months. Partial withdrawals are allowed for specific purposes: home purchase (after 5 years), home renovation (after 5 years), marriage (after 7 years), medical emergencies (anytime), and education (after 7 years). EPFO processes claims online through the UMANG app or EPFiGMS portal.

How to Check EPF Balance

Check your EPF balance through: UMANG app (most convenient), EPFO member portal (passbook.epfindia.gov.in), missed call to 9966044425 from your registered mobile number, or SMS "EPFOHO UAN" to 7738299899. Your UAN (Universal Account Number) is the key identifier — activate it through your employer if not already done.