EPF PF Calculator — Provident Fund Corpus Kaise Calculate Karein?
Employee Provident Fund (EPF) India ka sabse bada retirement savings scheme hai — 6 crore se zyada members hain. Har salaried employee jiska basic salary ₹15,000+ hai uske liye EPF compulsory hai. Hamare free calculator se aap exact retirement corpus jaaN sakte hain.
EPF Contribution Formula
Employee contribution = Basic Salary × 12%. Employer contribution = 3.67% EPF + 8.33% EPS. Total EPF monthly contribution = Employee 12% + Employer 3.67% = 15.67% of basic. Interest: Monthly balance × (Annual rate ÷ 12), credited annually.
EPF Interest Rate History
FY 2024-25: 8.25%. FY 2023-24: 8.25%. FY 2022-23: 8.15%. FY 2021-22: 8.10%. FY 2019-20: 8.50%. EPFO har saal March-April mein rate declare karta hai.
EPF Tax Benefits
Employee contribution: 80C ke under tax deductible (max ₹1.5L). Interest: Tax free hota hai agar contribution ₹2.5L/year se kam ho. Withdrawal: 5 saal continuous service ke baad poora tax free. Employer contribution: Employee ke haath mein tax free.
Frequently Asked Questions
₹25,000 basic salary pe monthly PF kitna katega?
Employee: ₹25,000 × 12% = ₹3,000/month. Employer EPF: ₹25,000 × 3.67% = ₹917/month. Total EPF = ₹3,917/month. Employer EPS: ₹25,000 × 8.33% = ₹2,083/month (goes to pension).
PF withdrawal pe tax lagta hai kya?
5 saal se zyada continuous service ke baad withdrawal tax free hai. 5 saal se pehle: 10% TDS lagta hai agar amount ₹50,000+ ho. Form 15G/15H submit karne pe TDS bach sakta hai agar income taxable nahi hai.
EPFO passbook kaise check karein?
EPFO member portal passbook.epfindia.gov.in pe jaayein. UAN number aur password se login karein. Ya Umang app se bhi PF balance check kar sakte hain.