The Employees’ Provident Fund (EPF) is a retirement benefits scheme regulated by the EPFO under the Ministry of Labour and Employment. Both the employee and employer contribute a fixed percentage (typically 12%) of the employee’s basic salary and dearness allowance to the EPF account every month. The accumulated corpus earns interest, and the entire amount (employee + employer contribution + interest) can be withdrawn at retirement or under specific conditions like unemployment, illness, or home purchase.
₹7,20,000
The total amount you have contributed to your EPF account over your employment period.
₹5,50,000
The total amount contributed by your employer to your EPF account during your service.
₹15,00,000
The total value of your EPF account including interest, available at retirement or withdrawal.
Any salaried employee with a basic salary of up to ₹15,000 per month is mandatorily eligible. Others can opt in voluntarily with employer consent.
EPF interest is calculated monthly but credited at the end of the financial year. The current rate is declared annually by the EPFO.
Yes, partial withdrawal is allowed under specific conditions like marriage, education, home purchase, or unemployment. Full withdrawal is allowed after retirement or 2 months of unemployment.
EPF withdrawals are tax-free if withdrawn after 5 years of continuous service. Interest is also exempt if conditions are met.
You can transfer your EPF balance to your new employer's EPF account using your UAN (Universal Account Number). It ensures continuity and avoids tax liability.
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