project your PF balance at retirement. with hike + 8.25% compounding.
inputs
EPF withdrawable tax-free after 58
12% of this is deducted
check on epfindia.gov.in or UAN passbook
basic grows at this rate each year
2024-25 declared: 8.25%
corpus at retirement
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summary
growth · employee + employer + compounding
your contributionemployer contributioninterest
simplifications: employer contributes 12% of basic (3.67% to EPF + 8.33% to EPS up to ₹15K basic cap). this calc assumes full 12% goes to EPF for compounding (typical in private-sector when you opt to cross the ceiling). actual split differs. interest credited annually (government notifies at FY end). exit / premature withdrawal has tax consequences; full tax-free only after 5 continuous years of service.