Lesson 25 of 28 · What your EPF grows to · 4 min read · Reviewed 15 Oct 2026
You put 12% of basic pay into EPF and your employer matches it, but 8.33% of up to ₹15,000 of basic goes to the pension scheme (EPS). On ₹50,000 basic, about ₹10,750 a month goes to EPF. Rising 6% a year for 25 years at 8.25%, it grows to about ₹1.9 crore.
EPF is a forced saving: it comes out before your salary reaches you, and the interest is set each year by EPFO.
The rate was 8.25% for 2024-25. Interest is tax-free up to a limit; on your own contributions above ₹2.5 lakh a year, interest is taxable.
Key idea: When you change jobs, transfer your EPF to the new employer through the EPFO portal instead of withdrawing it.
Try the calculator and the one-question quiz on this page to check your own numbers.
Yes, through the Voluntary Provident Fund (VPF). It earns the same rate, within the same tax limits.
Partial withdrawals are allowed for a home, education, marriage or illness after set periods. A full withdrawal before five years of service is taxable.
The Employees’ Pension Scheme, which pays a monthly pension from 58. It is funded by part of your employer’s contribution.
For learning only, not investment advice. Designed and built by people who have worked at India’s leading wealth management firms.