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EPF Interest Rate

NPS vs EPF vs PPF: Which can give you larger corpus at retirement if you invest Rs 1,50,000 yearly? Understand through calculations

NPS vs EPF vs PPF: Which can give you larger corpus at retirement...

Wed, May 07, 2025

PPF and EPF are pure debt schemes, whereas NPS is a mix of debt and equity that offers market-linked returns.

EPFO retains 8.25% interest rate on employees' provident fund deposits for 2024-25

EPFO retains 8.25% interest rate on employees' provident fun...

Fri, Feb 28, 2025

In March 2022, EPFO had lowered the interest on EPF for 2021-22 to an over four-decade low of 8.1 per cent for its over seven crore subscribers, from 8.5 per cent in 2020-21.

EPF vs PPF: Which can build larger retirement corpus in 15 years on Rs 1,20,000 yearly investment? Check Calculations

EPF vs PPF: Which can build larger retirement corpus in 15 years...

Thu, Feb 20, 2025

PPF vs EPF: In EPF, only salaried employees can invest money while PPF is available for everyone. The current interest rate on EPF is 8.25 per cent while PPF offers 7.1 per cent interest rate.

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EPF Calculations: Know how on Rs 21,000 basic salary you can make more than Rs 2 crore corpus at retirement

EPF Calculations: Know how on Rs 21,000 basic salary you can make...

Fri, Jan 03, 2025

EPF UAN: EPFO assigns each member a 12-digit number known as the UAN (universal account number). Even if an employee changes employers, his or her UAN remains the same.

EPF Corpus Calculator: How much retirement fund can you generate with Rs 6,000, Rs 10,000, Rs 12,000 monthly contributions for 25 years?

EPF Corpus Calculator: How much retirement fund can you generate...

Fri, Dec 20, 2024

EPF Corpus Calculator: The interest earned on EPF is tax-free. EPF members can withdraw funds before maturity in case of emergencies like marriage, house construction or higher education.

EPF Calculator: Know how on Rs 16,000 basic salary you can accumulate over Rs 1.5 crore corpus at retirement

EPF Calculator: Know how on Rs 16,000 basic salary you can accumu...

Wed, Nov 20, 2024

EPFO assigns each member a 12-digit number known as the UAN (universal account number). Even if an employee changes employers, his or her UAN remains the same.

EPFO calculator: Know how on Rs 21,000 basic salary you can accumulate over Rs 2 crore corpus at retirement

EPFO calculator: Know how on Rs 21,000 basic salary you can accum...

Fri, Oct 04, 2024

EPF provides retirement benefits to employees on their retirement in the form of a pension. It also provides insurance benefits.

EPFO Interest: Know your monthly contribution to make Rs 4cr, Rs 5cr, Rs 6cr retirement corpus through calculations

EPFO Interest: Know your monthly contribution to make Rs 4cr, Rs...

Fri, Aug 23, 2024

To get Rs 4 crore on retirement, one needs to contribute Rs 11,200 per month for 40 years. On maturity, you will get a total of Rs 4,02,59,738.7 at current interest rate of 8.25 per cent.

Retirement Corpus Calculator: Know your monthly EPF contribution to get Rs 1.50 crore, Rs 2.25 crore, and Rs 3 crore corpuses

Retirement Corpus Calculator: Know your monthly EPF contribution...

Mon, Aug 19, 2024

Retirement Corpus Calculator: Employees' Provident Fund Organisation (EPFO) offers an 8.25 compound per cent interest rate on EPF. Deposits up to Rs 1.50 lakh in a financial year in EPF provide tax benefits to an EPF subscriber under Section 80C of the Income Tax Act, 1961.

EPF Retirement Corpus Calculation: What should be your estimated EPF contribution to generate Rs 1 crore, Rs 2 crore or Rs 3 crore funds?

EPF Retirement Corpus Calculation: What should be your estimated...

Mon, Aug 12, 2024

Retirement Planning: EPF offers an 8.25 per cent annual compound interest rate to its subscribers. Deposits up to Rs 1.50 lakh in a financial year under Section 80C of the Income Tax Act, the interest earned, and the maturity amount are tax free under the scheme.

EPF vs PPF: Which option will give you higher return on Rs 10,000 monthly investment for 15 years? Know here

EPF vs PPF: Which option will give you higher return on Rs 10,000...

Wed, Jul 17, 2024

EPF and PPF schemes have some similarities. They have long lock-in periods. Investments up to Rs 1.50 lakh in a financial year in each scheme are tax-exempted under Section 80C of the Income Tax Act, 1961. Both fall in the exempt-exempt-exempt (EEE) category, where investment, tax earned, and the maturity amount are tax-free.

EPF Calculation: What can your retirement corpus be on starting basic salaries of Rs 15,000, Rs 20,000, and Rs 25,000?

EPF Calculation: What can your retirement corpus be on starting b...

Mon, Jul 15, 2024

EPF Calculator: The Employees' Provident Fund Organisation (EPFO) provides 8.25 per cent annual compound interest on EPF contributions. An employee can contribute a maximum of 12 per cent of their basic salary and dearness allowance (DA) to the EPF account. The employer matches the same amount and deposit in the employee's EPF account.

EPF Calculation: What can your retirement corpus be if you start with a basic salary of Rs 25,000, Rs 30,000, or Rs 35,000?

EPF Calculation: What can your retirement corpus be if you start...

Fri, Jul 05, 2024

Retirement Planning: One can contribute a minimum of Rs 1,800 and a maximum of 12 per cent of their basic salary and dearness allowance (DA) to their EPF account. The employer also needs to match the same amount and deposit it into the employee's EPF account. However, the employer's 12 per cent contribution is deposited in two ways. While 3.67 per cent of its proportion goes to the EPF, 8.33 per cent goes to the Employee Pension Scheme (EPS).

EPF Calculator: What will be maturity amounts on basic salaries of Rs 20,000, Rs 30,000 and Rs 40,000?

EPF Calculator: What will be maturity amounts on basic salaries o...

Mon, Jul 01, 2024

EPFO: An employee can contribute up to 12 per cent of their basic salary and dearness allowance (DA) to their EPF account. The employer also contributes an equal amount, but its amount is distributed in two parts. While 3.67 per cent of it goes into the EPF account, 8.33 per cent goes to the Employee Pension Scheme (EPS) account. The EPF offers a lot of tax benefits. Deposits up to Rs 1.50 lakh in a financial year are tax-exempt under Section 80C of the Income Tax Act.

EPF: What retirement EPF amounts will be on basic salaries of Rs 12,000, Rs 15,000, and Rs 20,000; get calculations

EPF: What retirement EPF amounts will be on basic salaries of Rs...

Thu, Jun 20, 2024

EPF Calculation: Employees' Provident Fund (EPF) is a popular retirement scheme that provides a lump sum amount and a monthly pension upon retirement. The central government decides the interest rate of the EPF interest rate every year. For the financial year 2023–24, the EPF interest rate is 8.25 per cent per year.

EPFO Interest Rate: What will be the interest on Rs 1 lakh, Rs 3 lakh and Rs 5 lakh deposits in EPF account? How to calculate and check EPF online?

EPFO Interest Rate: What will be the interest on Rs 1 lakh, Rs 3...

Mon, May 20, 2024

EPFO Interest Rate: Employees' Provident Fund (EPF) is a retirement scheme in which the employee and the employer deposit money in equal proportions. Deposits up to the limit of Rs 1.50 lakh in the scheme are tax exempt under Section 80C of the Income Tax Act, 1961. How much interest did you get on the money deposited in your EPF account? Know this calculation as well as how to check the interest rate in your EPF account.

EPF: Starting with basic salary of Rs 30,000 pm, how you can build retirement corpus of over Rs 3.50 crore

EPF: Starting with basic salary of Rs 30,000 pm, how you can buil...

Mon, May 06, 2024

As part of the exempt-exempt-exempt category, while deposits up to Rs 1.50 lakh in EPF provide tax exemption under Section 80C of the Income Tax Act, the interest earned on these deposits and the maturity amount are also tax-free.

EPF: How to create Rs 1.30 crore tax-free corpus starting with basic salary of Rs 20,000

EPF: How to create Rs 1.30 crore tax-free corpus starting with ba...

Thu, May 02, 2024

An employee contributes a minimum of Rs 1,800 and a maximum of 12 per cent of their basic salary to their EPF. Their employer in the equal proportion also contributes to the employee account. From the employer's contribution 8.33 per cent goes to the Employee Pension Fund (EPS) and 3.67 per cent goes to EPF.

EPF vs SIP: Should you opt for 12% EPF contribution or go with minimum limit of Rs 1,800 and make SIP of rest of amount?

EPF vs SIP: Should you opt for 12% EPF contribution or go with mi...

Fri, Apr 05, 2024

EPF scheme comes under the exempt-exempt-exempt (EEE) category where deposits, the interest earned and the withdrawals are tax free. The minimum amount from the employer's side for EPF contribution is Rs 1,800. Mutual fund investment through SIP is a market-linked investment. EPF and mutual fund investments provide compounding.

EPFO Warns Defaulter Employers: Not contributing to employee PF fund, here's how EPFO will punish you

EPFO Warns Defaulter Employers: Not contributing to employee PF f...

Thu, Mar 07, 2024

EPF Contribution Update: In its tweet, EPFO says that if the duration of default (of not contributing to EPF) is less than two months, the employer has to pay 5 per cent per annum of the total contribution to the employee's fund. Those who default for two to four months will have to pay damages at 10 per cent per annum.

How to withdraw EPF money for education of children - Check the steps here

How to withdraw EPF money for education of children - Check the...

Tue, Feb 27, 2024

The Employee Provident Fund is an important retirement savings plan in India, wherein the employer and employee contribute an equal amount towards the fund.

Employee Provident Fund vs Public Provident Fund: EPF or PPF - where can investors earn higher interest rate?

Employee Provident Fund vs Public Provident Fund: EPF or PPF - wh...

Mon, Jul 31, 2023

EPF vs PPF comparison: EPFO invests 15% of the fresh money collected every year in equities. This exposure to equity makes it vulnerable to market movements.

Paisa Wasool 2.0: EPF or PPF - where can you invest to earn over 8% interest? | Retirement planning

Paisa Wasool 2.0: EPF or PPF - where can you invest to earn over...

Sun, Jul 30, 2023

Government-backed schemes like Employee Provident Fund (EPF) and Public Provident Fund (PPF) are preferred retirement plans for lakhs of salaried and self-employed professionals in India. But both these pension plans vary in terms of interest rates, taxation, and terms of withdrawal. In this video we talk about the featured and differences of both these plans and where should investors park their retirement funds.

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