What is the EPF interest rate for 2025-26?

The EPF interest rate for FY 2025-26 is 8.25% p.a., credited annually to employees' accounts. It has remained stable at 8.15-8.25% for the past few years.

How is EPF maturity amount calculated?

EPF Corpus = Sum of (Employee contribution of 12 percent + Employer share of 3.67 percent of basic+DA) × monthly contributions compounded at 8.25% annually. The employer's remaining 8.33 percent goes to EPS (capped at ₹1,250/month on ₹15,000 salary).

When is EPF withdrawal taxable?

EPF withdrawal is tax-free after 5 continuous years of employment. Withdrawal before 5 years is taxable. Interest on contributions above ₹2.5L/year (employee only) is taxable as other income from FY 2021-22.

EPF CalculatorFY 2026-27

Calculate your EPF maturity corpus, VPF taxability, and EPS pension with statutory service caps and 2-year bonus rules.

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Documentation

Quick Summary: EPF Calculator

The EPF (Employee Provident Fund) is a retirement benefit scheme where both the employer and employee contribute 12% of the basic salary. In FY 2026-27, the interest rate is 8.25% p.a., and interest on employee contributions exceeding ₹2.5 Lakh per year is taxable.

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Regulatory Disclaimer · FY 2026-27

Last verified May 2026

Statutory Disclosure

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.

EPF CalculatorFY 2026-27

Calculate your EPF maturity corpus, VPF taxability, and EPS pension with statutory service caps and 2-year bonus rules.

Monthly Basic + DA

₹

Current Age

Max: 55

Retirement Age

Max: 65

Annual Salary Hike (%)

Max: 20

EPF Interest Rate (%)

Max: 9.5

EPS Component

Out of 12% employer share, 8.33% goes to EPS for your monthly pension after 58.

Maturity

At age 60

Total Interest

Accrued over tenure

Contribution

Employee share (12%)

Tax Status

EEE Exempt Status

Accumulation Arc

Employee Share

₹2.1Cr

Pure compounding component

Employer Share