Project your EPF corpus at retirement

Yes, EPF withdrawals are completely tax-free if you have completed 5 years of continuous service. Withdrawals before 5 years are taxable (and TDS at 10% applies if amount > ₹50,000).

For FY 2024-25, EPFO has notified 8.25% per annum. The rate is reviewed every financial year and credited to EPF accounts after government approval.

Yes, with conditions. Full withdrawal: after retirement (58+), or 2 months of unemployment. Partial withdrawal: for housing, medical, marriage, education — each with specific eligibility rules.

EPS (Employee Pension Scheme) is part of your employer's 12% contribution — 8.33% goes to EPS up to a salary cap of ₹15,000. EPS gives you a monthly pension after retirement; the rest accumulates in your EPF.

Yes, for employees earning Basic + DA up to ₹15,000 in establishments with 20+ employees. Above ₹15,000, EPF is voluntary but most employers offer it. Once enrolled, you stay enrolled even if salary exceeds the threshold.

Yes — via Voluntary Provident Fund (VPF). You can contribute up to 100% of your Basic + DA. Same EPF interest applies, and same tax-free rules on withdrawal after 5 years.

Your EPF is portable via your Universal Account Number (UAN). When you join a new employer, simply share your UAN — your new employer will transfer your old EPF balance to the new account. You can also do the transfer manually via the EPFO portal.

Although interest is credited annually, EPFO calculates it on the running monthly balance. Your contributions earn interest from the month they're deposited. This is why early-year contributions earn more total interest than later ones.