Estimate retirement fund accumulation from employee and employer EPF contributions.
Result
EPFO announces annual interest rates. Excludes separate pension entitlements accrued under the Employees' Pension Scheme (EPS).
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EPF = 12% Basic (Employee) + 3.67% Basic (Employer) + Annual Interest
₹35,000 Basic, age 28 to 58, 7% salary growth, 8.25% EPF rate.
Estimated EPF corpus at 58: ~₹1.18 Crore.
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Open calculatorOf the employer's 12% contribution, 8.33% (up to a salary ceiling of ₹15,000 = ₹1,250/month) goes toward the Employees' Pension Scheme (EPS), and the remaining 3.67% goes directly to the EPF account.
The EPFO has approved an interest rate of 8.25% per annum for the financial year 2024-25, credited annually to member accounts.
The Employees' Provident Fund is a mandatory retirement savings scheme for salaried employees in registered Indian organizations. Monthly contributions from both employee (12%) and employer (3.67% to EPF) compound annually at the declared sovereign interest rate.