Secure your retirement with India's largest social security scheme. Enjoy tax benefits and guaranteed returns on your contributions.
Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India. Both employer and employee contribute 12% of basic salary, ensuring financial security after retirement.
Based on Basic + DA (Dearness Allowance)
Build a substantial corpus for your retirement years with regular monthly contributions.
Currently offers 8.15% interest rate, compounded annually for maximum growth.
Employee contribution eligible for deduction under Section 80C up to ₹1.5 lakhs.
100% government-backed scheme with guaranteed returns and no risk of capital loss.
Interest is compounded annually, leading to significant wealth accumulation over time.
Partial withdrawal available for specific purposes like medical emergencies and education.
View your current EPF balance, contribution history, and interest earned.
Transfer your EPF account when changing jobs to maintain continuity.
Download your EPF passbook for record keeping and verification purposes.
Update your personal information, bank details, and nominee information.
Full withdrawal available after attaining 58 years of age or retirement.
Partial withdrawal available for specific purposes with certain conditions.
Withdrawal available if unemployed for more than 2 months.
Employee contribution eligible for deduction under Section 80C up to ₹1.5 lakhs.
Interest earned on EPF is completely tax-free under Section 10(11).
Maturity amount including principal and interest is completely tax-free.
EPF is mandatory for employees in organizations with 20+ employees and basic salary below ₹15,000 per month.
You can transfer your EPF account to the new employer using Form 13, or withdraw if unemployed for 2+ months.
Partial withdrawal is allowed for specific purposes like medical emergencies, education, and marriage.
Interest is calculated monthly on the running balance and credited annually on 31st March.