QuickServe24

PF Calculator

Calculate your Provident Fund contributions, interest, and maturity amount.

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₹
₹
PF is calculated on Basic + DA
%
FY 2024-25 rate: 8.25%
years
For maturity amount calculation
EPF Contribution Structure
Component Employee Employer
EPF (Employee Provident Fund) 12% of Basic + DA 3.67% of Basic + DA
EPS (Employee Pension Scheme) - 8.33% of Basic + DA (max ₹1,250/month)
EDLI (Employee Deposit Linked Insurance) - 0.5% of Basic + DA (max ₹75/month)
Total 12% 12% + 0.5% (EDLI admin)
Note: For wages above ₹15,000/month, EPS contribution is capped at ₹1,250/month (8.33% of ₹15,000).
FAQs

For FY 2024-25, the EPF interest rate is 8.25% per annum. Interest is calculated monthly on the opening balance and credited annually.

You can withdraw full PF after retirement (age 58) or after 2 months of unemployment. Partial withdrawals are allowed for specific purposes like marriage, home purchase, medical emergency, etc.

PF withdrawal is tax-free if you have completed 5 years of continuous service. If withdrawn before 5 years, it's taxable as per your income tax slab. Employer contribution and interest on it are taxable under new tax regime.