How EPF works: You contribute 12% of basic+DA. Your employer contributes 12% — but 8.33% goes to EPS (pension scheme) and only 3.67% goes to your EPF account (capped at ₹1,250/month if basic ≤ ₹15,000). Interest is credited annually at the rate declared by EPFO.
EPF Corpus at Retirement
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total accumulated
Total Interest Earned
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EPS Monthly Pension
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estimated at retirement
Corpus Growth Over Time
Contribution Breakdown
Key Insights
Disclaimer: Projections assume a fixed interest rate and salary growth — actual returns will vary with EPFO's annual rate declaration and your career progression. EPS pension is estimated using the formula: (Pensionable Salary × Pensionable Service) ÷ 70. Consult your EPFO passbook and UAN portal for exact figures.
