PF कैलकुलेटर

The current EPF interest rate for FY 2025-26 is 8.25% per annum. EPFO reviews and announces the interest rate annually, typically at the end of each financial year. The rate is reviewed based on market conditions and government guidelines.

The mandatory EPF contribution is 12% of basic salary + DA, paid by both the employee and employer. For employees earning above ₹15,000 per month, contribution is optional. The minimum statutory contribution is determined by your salary structure.

You can withdraw your full EPF amount upon retirement at age 58, or upon leaving employment after age 54. Partial withdrawals are allowed for specific purposes like medical treatment, home construction/purchase, education, marriage, etc. Withdrawal before completing 5 years of continuous service attracts TDS and may be taxable.

EPF withdrawal is tax-free if you have completed 5 years of continuous service. If withdrawn before 5 years, it becomes taxable. Additionally, if you withdraw after 5 years but before retirement and don't invest in a recognized pension scheme, TDS of 10% is deducted (if amount exceeds ₹50,000).

EPF (Employees' Provident Fund) is the savings scheme where both employee and employer contribute 12%. Of the employer's 12% contribution, 8.33% goes to EPS (Employees' Pension Scheme) and 3.67% to EPF. EPS provides a monthly pension after retirement, while EPF provides the lump-sum corpus.

You can check your PF balance by logging into the EPFO Unified Member Portal (unifiedportal-mem.epfindia.gov.in) or using the UMANG mobile app. You need your UAN and password. The passbook shows detailed monthly contributions and interest credited.

Ideally, you should have only one UAN (Universal Account Number) throughout your career. When switching jobs, you should transfer your old PF balance to the new account rather than opening a new one. Multiple UANs should be merged for seamless tracking.

When you change jobs, you have two options: (1) Withdraw the PF amount, or (2) Transfer the balance to your new employer's PF account. Transferring is recommended to keep your retirement corpus growing. You can do this online through the EPFO portal or through Form 13.

UAN (Universal Account Number) is a 12-digit number assigned by EPFO to each PF member. It remains the same throughout your career, even when you change jobs. It allows you to view your PF balance, download passbook, file claims, and update KYC details - all from one portal.

Yes, the employer's 12% contribution (minus the 8.33% that goes to EPS) accumulates in the employee's EPF account. The employee has full ownership and claim over the EPF corpus. The EPS portion (8.33%) provides pension benefits after retirement.

Yes, you can contribute more than the mandatory 12% through Voluntary Provident Fund (VPF). VPF contributions are also eligible for Section 80C tax benefits. However, VPF is voluntary and the employer is not required to match these extra contributions.

Common PF withdrawal forms include: Form 19 (for EPF withdrawal), Form 10C (for EPS withdrawal/scheme certificate), Form 31 (for PF advance/loan), and Form 10D (for pension withdrawal). The specific form depends on the type of withdrawal you are making.