What is the current EPF interest rate?

The EPFO declares the rate each year; it is 8.25% per annum for 2026. Interest is credited annually to your EPF balance.

Is EPF withdrawal tax-free?

EPF withdrawal is tax-free if you have five years of continuous service. Withdraw earlier and the amount, including employer contributions and interest, becomes taxable.

EPF Calculator

An EPF (Employees' Provident Fund) calculator projects your retirement corpus from monthly contributions. Both you and your employer contribute 12% of basic salary; the balance earns the EPFO-declared rate (8.25% p.a. as of 2026), compounded yearly.

Monthly basic salary

₹

Years of service

yrs

Interest rate (p.a.)

EPF corpus

—

How is EPF calculated?

Employee contributes 12% of basic; employer's 12% is split (8.33% to EPS up to a cap, the rest to EPF). The running balance is compounded at the EPFO rate to retirement.

More for plan retirement

The corpus you need, pension, EPF and withdrawals.

All tools for this

Retirement calculator Find the corpus you'll need to retire comfortably. Instant answer Senior citizen tax Pension, FD interest, 80TTB and Form 15H. Instant answer PPF calculator Estimate your Public Provident Fund maturity value. Instant answer FD calculator Calculate fixed-deposit maturity with quarterly compounding. Instant answer NPS calculator Project your National Pension System corpus and pension. Instant answer SWP calculator See how long your corpus lasts with monthly withdrawals. Instant answer

Frequently asked questions

What is the current EPF interest rate?: The EPFO declares the rate each year; it is 8.25% per annum for 2026. Interest is credited annually to your EPF balance.
Is EPF withdrawal tax-free?: EPF withdrawal is tax-free if you have five years of continuous service. Withdraw earlier and the amount, including employer contributions and interest, becomes taxable.