EPF calculator

Monthly PF wages (basic + DA)

Opening EPF balance

Current scenario age

Annual salary growth

Additional employee VPF

Interest rate8.25% p.a. entered scenario; future rate not notified

Mandatory contribution12% (Employee)

Advanced settings

Target retirement age

Your annual interest scenario

Employer wage arrangement

EPS membership

Payroll case confirmation

Projected EPF balance₹72,07,310

Maturity30 Sep 2059

Excludes EPS and uncredited final-year interest.

Opening0.0%

₹0 (0.0%)
₹11,88,000 (16.5%)
₹3,63,132 (5.0%)
₹0 (0.0%)
₹56,56,178 (78.5%)

Employer EPS: ₹8,24,868 outside EPF, not a pension benefit estimate.

Scheme details & suitability

Brief

A mandatory retirement savings scheme jointly funded by employee and employer.

Tenure

Until retirement; EPS ceases at 58, EPF can continue to 65.

Eligibility

Salaried employees in covered establishments, standard 12% non-exempt case.

Min investment12% of PF wages (employee), per scheme rules

Max investmentNo upper cap; VPF allows additional employee saving

Interest rate8.25% recommended, not yet notified · FY2025–26

Tax benefitSection 80C, per scheme rules

Tax on incomeInterest on contributions above ₹2.5L/year taxable, per scheme rules

Withdrawal rulesFull at retirement or 2 months unemployed; partial advances for specific needs

Pros

Employer-matched contribution, effectively doubling savings
VPF lets you voluntarily save more at the same scheme rate
Interest compounds annually on the opening balance

Cons

Access is conditional; not a liquid savings account
Future notified rate is not guaranteed and can change
Interest on contributions above ₹2.5L/year is taxable

Financial-year projection (₹)

Period end	Age	Ending monthly wages	Employee	Employer EPF	EPS	Interest credit	Uncredited	EPF balance
31 Mar 2027	25	50000	18000	5502	12498	404	0.000000	23906
31 Mar 2028	26	52500	36000	11004	24996	3750	0.000000	74660
31 Mar 2029	27	55125	36000	11004	24996	7937	0.000000	129601
31 Mar 2030	28	57881	36000	11004	24996	12469	0.000000	189074
31 Mar 2031	29	60775	36000	11004	24996	17376	0.000000	253454
31 Mar 2032	30	63814	36000	11004	24996	22687	0.000000	323145
31 Mar 2033	31	67005	36000	11004	24996	28437	0.000000	398586
31 Mar 2034	32	70355	36000	11004	24996	34661	0.000000	480251
31 Mar 2035	33	73873	36000	11004	24996	41398	0.000000	568653
31 Mar 2036	34	77566	36000	11004	24996	48691	0.000000	664348
31 Mar 2037	35	81445	36000	11004	24996	56586	0.000000	767938
31 Mar 2038	36	85517	36000	11004	24996	65132	0.000000	880074
31 Mar 2039	37	89793	36000	11004	24996	74383	0.000000	1001461
31 Mar 2040	38	94282	36000	11004	24996	84398	0.000000	1132863
31 Mar 2041	39	98997	36000	11004	24996	95239	0.000000	1275106
31 Mar 2042	40	103946	36000	11004	24996	106974	0.000000	1429084
31 Mar 2043	41	109144	36000	11004	24996	119677	0.000000	1595765
31 Mar 2044	42	114601	36000	11004	24996	133428	0.000000	1776197
31 Mar 2045	43	120331	36000	11004	24996	148314	0.000000	1971515
31 Mar 2046	44	126348	36000	11004	24996	164427	0.000000	2182946
31 Mar 2047	45	132665	36000	11004	24996	181870	0.000000	2411820
31 Mar 2048	46	139298	36000	11004	24996	200752	0.000000	2659576
31 Mar 2049	47	146263	36000	11004	24996	221192	0.000000	2927772
31 Mar 2050	48	153576	36000	11004	24996	243319	0.000000	3218095
31 Mar 2051	49	161255	36000	11004	24996	267270	0.000000	3532369
31 Mar 2052	50	169318	36000	11004	24996	293198	0.000000	3872571
31 Mar 2053	51	177784	36000	11004	24996	321264	0.000000	4240839
31 Mar 2054	52	186673	36000	11004	24996	351647	0.000000	4639490
31 Mar 2055	53	196006	36000	11004	24996	384535	0.000000	5071029
31 Mar 2056	54	205807	36000	11004	24996	420137	0.000000	5538170
31 Mar 2057	55	216097	36000	11004	24996	458676	0.000000	6043850
31 Mar 2058	56	226902	36000	11004	24996	500395	0.000000	6591249
31 Mar 2059	57	238247	36000	11004	24996	545555	0.000000	7183808
30 Sep 2059	57	238247	18000	5502	12498	0	296736.020625	7207310

First and last periods are partial financial years. Age is completed scenario years at period end; salary increases each October.

Monthly contributions (₹)

Month end	Age	PF wages	Wage basis	Employee	Employer EPF	EPS (excluded)
31 Oct 2026	25	50000	25000	3000	917	2083
30 Nov 2026	25	50000	25000	3000	917	2083
31 Dec 2026	25	50000	25000	3000	917	2083
31 Jan 2027	25	50000	25000	3000	917	2083
28 Feb 2027	25	50000	25000	3000	917	2083
31 Mar 2027	25	50000	25000	3000	917	2083
30 Apr 2027	25	50000	25000	3000	917	2083
31 May 2027	25	50000	25000	3000	917	2083
30 Jun 2027	25	50000	25000	3000	917	2083
31 Jul 2027	25	50000	25000	3000	917	2083
31 Aug 2027	25	50000	25000	3000	917	2083
30 Sep 2027	25	50000	25000	3000	917	2083
31 Oct 2027	26	52500	25000	3000	917	2083
30 Nov 2027	26	52500	25000	3000	917	2083
31 Dec 2027	26	52500	25000	3000	917	2083
31 Jan 2028	26	52500	25000	3000	917	2083
29 Feb 2028	26	52500	25000	3000	917	2083
31 Mar 2028	26	52500	25000	3000	917	2083
30 Apr 2028	26	52500	25000	3000	917	2083
31 May 2028	26	52500	25000	3000	917	2083
30 Jun 2028	26	52500	25000	3000	917	2083
31 Jul 2028	26	52500	25000	3000	917	2083
31 Aug 2028	26	52500	25000	3000	917	2083
30 Sep 2028	26	52500	25000	3000	917	2083
31 Oct 2028	27	55125	25000	3000	917	2083
30 Nov 2028	27	55125	25000	3000	917	2083
31 Dec 2028	27	55125	25000	3000	917	2083
31 Jan 2029	27	55125	25000	3000	917	2083
28 Feb 2029	27	55125	25000	3000	917	2083
31 Mar 2029	27	55125	25000	3000	917	2083
30 Apr 2029	27	55125	25000	3000	917	2083
31 May 2029	27	55125	25000	3000	917	2083
30 Jun 2029	27	55125	25000	3000	917	2083
31 Jul 2029	27	55125	25000	3000	917	2083
31 Aug 2029	27	55125	25000	3000	917	2083
30 Sep 2029	27	55125	25000	3000	917	2083
31 Oct 2029	28	57881	25000	3000	917	2083
30 Nov 2029	28	57881	25000	3000	917	2083
31 Dec 2029	28	57881	25000	3000	917	2083
31 Jan 2030	28	57881	25000	3000	917	2083
28 Feb 2030	28	57881	25000	3000	917	2083
31 Mar 2030	28	57881	25000	3000	917	2083
30 Apr 2030	28	57881	25000	3000	917	2083
31 May 2030	28	57881	25000	3000	917	2083
30 Jun 2030	28	57881	25000	3000	917	2083
31 Jul 2030	28	57881	25000	3000	917	2083
31 Aug 2030	28	57881	25000	3000	917	2083
30 Sep 2030	28	57881	25000	3000	917	2083
31 Oct 2030	29	60775	25000	3000	917	2083
30 Nov 2030	29	60775	25000	3000	917	2083
31 Dec 2030	29	60775	25000	3000	917	2083
31 Jan 2031	29	60775	25000	3000	917	2083
28 Feb 2031	29	60775	25000	3000	917	2083
31 Mar 2031	29	60775	25000	3000	917	2083
30 Apr 2031	29	60775	25000	3000	917	2083
31 May 2031	29	60775	25000	3000	917	2083
30 Jun 2031	29	60775	25000	3000	917	2083
31 Jul 2031	29	60775	25000	3000	917	2083
31 Aug 2031	29	60775	25000	3000	917	2083
30 Sep 2031	29	60775	25000	3000	917	2083
31 Oct 2031	30	63814	25000	3000	917	2083
30 Nov 2031	30	63814	25000	3000	917	2083
31 Dec 2031	30	63814	25000	3000	917	2083
31 Jan 2032	30	63814	25000	3000	917	2083
29 Feb 2032	30	63814	25000	3000	917	2083
31 Mar 2032	30	63814	25000	3000	917	2083
30 Apr 2032	30	63814	25000	3000	917	2083
31 May 2032	30	63814	25000	3000	917	2083
30 Jun 2032	30	63814	25000	3000	917	2083
31 Jul 2032	30	63814	25000	3000	917	2083
31 Aug 2032	30	63814	25000	3000	917	2083
30 Sep 2032	30	63814	25000	3000	917	2083
31 Oct 2032	31	67005	25000	3000	917	2083
30 Nov 2032	31	67005	25000	3000	917	2083
31 Dec 2032	31	67005	25000	3000	917	2083
31 Jan 2033	31	67005	25000	3000	917	2083
28 Feb 2033	31	67005	25000	3000	917	2083
31 Mar 2033	31	67005	25000	3000	917	2083
30 Apr 2033	31	67005	25000	3000	917	2083
31 May 2033	31	67005	25000	3000	917	2083
30 Jun 2033	31	67005	25000	3000	917	2083
31 Jul 2033	31	67005	25000	3000	917	2083
31 Aug 2033	31	67005	25000	3000	917	2083
30 Sep 2033	31	67005	25000	3000	917	2083
31 Oct 2033	32	70355	25000	3000	917	2083
30 Nov 2033	32	70355	25000	3000	917	2083
31 Dec 2033	32	70355	25000	3000	917	2083
31 Jan 2034	32	70355	25000	3000	917	2083
28 Feb 2034	32	70355	25000	3000	917	2083
31 Mar 2034	32	70355	25000	3000	917	2083
30 Apr 2034	32	70355	25000	3000	917	2083
31 May 2034	32	70355	25000	3000	917	2083
30 Jun 2034	32	70355	25000	3000	917	2083
31 Jul 2034	32	70355	25000	3000	917	2083
31 Aug 2034	32	70355	25000	3000	917	2083
30 Sep 2034	32	70355	25000	3000	917	2083
31 Oct 2034	33	73873	25000	3000	917	2083
30 Nov 2034	33	73873	25000	3000	917	2083
31 Dec 2034	33	73873	25000	3000	917	2083
31 Jan 2035	33	73873	25000	3000	917	2083
28 Feb 2035	33	73873	25000	3000	917	2083
31 Mar 2035	33	73873	25000	3000	917	2083
30 Apr 2035	33	73873	25000	3000	917	2083
31 May 2035	33	73873	25000	3000	917	2083
30 Jun 2035	33	73873	25000	3000	917	2083
31 Jul 2035	33	73873	25000	3000	917	2083
31 Aug 2035	33	73873	25000	3000	917	2083
30 Sep 2035	33	73873	25000	3000	917	2083
31 Oct 2035	34	77566	25000	3000	917	2083
30 Nov 2035	34	77566	25000	3000	917	2083
31 Dec 2035	34	77566	25000	3000	917	2083
31 Jan 2036	34	77566	25000	3000	917	2083
29 Feb 2036	34	77566	25000	3000	917	2083
31 Mar 2036	34	77566	25000	3000	917	2083
30 Apr 2036	34	77566	25000	3000	917	2083
31 May 2036	34	77566	25000	3000	917	2083
30 Jun 2036	34	77566	25000	3000	917	2083
31 Jul 2036	34	77566	25000	3000	917	2083
31 Aug 2036	34	77566	25000	3000	917	2083
30 Sep 2036	34	77566	25000	3000	917	2083
31 Oct 2036	35	81445	25000	3000	917	2083
30 Nov 2036	35	81445	25000	3000	917	2083
31 Dec 2036	35	81445	25000	3000	917	2083
31 Jan 2037	35	81445	25000	3000	917	2083
28 Feb 2037	35	81445	25000	3000	917	2083
31 Mar 2037	35	81445	25000	3000	917	2083
30 Apr 2037	35	81445	25000	3000	917	2083
31 May 2037	35	81445	25000	3000	917	2083
30 Jun 2037	35	81445	25000	3000	917	2083
31 Jul 2037	35	81445	25000	3000	917	2083
31 Aug 2037	35	81445	25000	3000	917	2083
30 Sep 2037	35	81445	25000	3000	917	2083
31 Oct 2037	36	85517	25000	3000	917	2083
30 Nov 2037	36	85517	25000	3000	917	2083
31 Dec 2037	36	85517	25000	3000	917	2083
31 Jan 2038	36	85517	25000	3000	917	2083
28 Feb 2038	36	85517	25000	3000	917	2083
31 Mar 2038	36	85517	25000	3000	917	2083
30 Apr 2038	36	85517	25000	3000	917	2083
31 May 2038	36	85517	25000	3000	917	2083
30 Jun 2038	36	85517	25000	3000	917	2083
31 Jul 2038	36	85517	25000	3000	917	2083
31 Aug 2038	36	85517	25000	3000	917	2083
30 Sep 2038	36	85517	25000	3000	917	2083
31 Oct 2038	37	89793	25000	3000	917	2083
30 Nov 2038	37	89793	25000	3000	917	2083
31 Dec 2038	37	89793	25000	3000	917	2083
31 Jan 2039	37	89793	25000	3000	917	2083
28 Feb 2039	37	89793	25000	3000	917	2083
31 Mar 2039	37	89793	25000	3000	917	2083
30 Apr 2039	37	89793	25000	3000	917	2083
31 May 2039	37	89793	25000	3000	917	2083
30 Jun 2039	37	89793	25000	3000	917	2083
31 Jul 2039	37	89793	25000	3000	917	2083
31 Aug 2039	37	89793	25000	3000	917	2083
30 Sep 2039	37	89793	25000	3000	917	2083
31 Oct 2039	38	94282	25000	3000	917	2083
30 Nov 2039	38	94282	25000	3000	917	2083
31 Dec 2039	38	94282	25000	3000	917	2083
31 Jan 2040	38	94282	25000	3000	917	2083
29 Feb 2040	38	94282	25000	3000	917	2083
31 Mar 2040	38	94282	25000	3000	917	2083
30 Apr 2040	38	94282	25000	3000	917	2083
31 May 2040	38	94282	25000	3000	917	2083
30 Jun 2040	38	94282	25000	3000	917	2083
31 Jul 2040	38	94282	25000	3000	917	2083
31 Aug 2040	38	94282	25000	3000	917	2083
30 Sep 2040	38	94282	25000	3000	917	2083
31 Oct 2040	39	98997	25000	3000	917	2083
30 Nov 2040	39	98997	25000	3000	917	2083
31 Dec 2040	39	98997	25000	3000	917	2083
31 Jan 2041	39	98997	25000	3000	917	2083
28 Feb 2041	39	98997	25000	3000	917	2083
31 Mar 2041	39	98997	25000	3000	917	2083
30 Apr 2041	39	98997	25000	3000	917	2083
31 May 2041	39	98997	25000	3000	917	2083
30 Jun 2041	39	98997	25000	3000	917	2083
31 Jul 2041	39	98997	25000	3000	917	2083
31 Aug 2041	39	98997	25000	3000	917	2083
30 Sep 2041	39	98997	25000	3000	917	2083
31 Oct 2041	40	103946	25000	3000	917	2083
30 Nov 2041	40	103946	25000	3000	917	2083
31 Dec 2041	40	103946	25000	3000	917	2083
31 Jan 2042	40	103946	25000	3000	917	2083
28 Feb 2042	40	103946	25000	3000	917	2083
31 Mar 2042	40	103946	25000	3000	917	2083
30 Apr 2042	40	103946	25000	3000	917	2083
31 May 2042	40	103946	25000	3000	917	2083
30 Jun 2042	40	103946	25000	3000	917	2083
31 Jul 2042	40	103946	25000	3000	917	2083
31 Aug 2042	40	103946	25000	3000	917	2083
30 Sep 2042	40	103946	25000	3000	917	2083
31 Oct 2042	41	109144	25000	3000	917	2083
30 Nov 2042	41	109144	25000	3000	917	2083
31 Dec 2042	41	109144	25000	3000	917	2083
31 Jan 2043	41	109144	25000	3000	917	2083
28 Feb 2043	41	109144	25000	3000	917	2083
31 Mar 2043	41	109144	25000	3000	917	2083
30 Apr 2043	41	109144	25000	3000	917	2083
31 May 2043	41	109144	25000	3000	917	2083
30 Jun 2043	41	109144	25000	3000	917	2083
31 Jul 2043	41	109144	25000	3000	917	2083
31 Aug 2043	41	109144	25000	3000	917	2083
30 Sep 2043	41	109144	25000	3000	917	2083
31 Oct 2043	42	114601	25000	3000	917	2083
30 Nov 2043	42	114601	25000	3000	917	2083
31 Dec 2043	42	114601	25000	3000	917	2083
31 Jan 2044	42	114601	25000	3000	917	2083
29 Feb 2044	42	114601	25000	3000	917	2083
31 Mar 2044	42	114601	25000	3000	917	2083
30 Apr 2044	42	114601	25000	3000	917	2083
31 May 2044	42	114601	25000	3000	917	2083
30 Jun 2044	42	114601	25000	3000	917	2083
31 Jul 2044	42	114601	25000	3000	917	2083
31 Aug 2044	42	114601	25000	3000	917	2083
30 Sep 2044	42	114601	25000	3000	917	2083
31 Oct 2044	43	120331	25000	3000	917	2083
30 Nov 2044	43	120331	25000	3000	917	2083
31 Dec 2044	43	120331	25000	3000	917	2083
31 Jan 2045	43	120331	25000	3000	917	2083
28 Feb 2045	43	120331	25000	3000	917	2083
31 Mar 2045	43	120331	25000	3000	917	2083
30 Apr 2045	43	120331	25000	3000	917	2083
31 May 2045	43	120331	25000	3000	917	2083
30 Jun 2045	43	120331	25000	3000	917	2083
31 Jul 2045	43	120331	25000	3000	917	2083
31 Aug 2045	43	120331	25000	3000	917	2083
30 Sep 2045	43	120331	25000	3000	917	2083
31 Oct 2045	44	126348	25000	3000	917	2083
30 Nov 2045	44	126348	25000	3000	917	2083
31 Dec 2045	44	126348	25000	3000	917	2083
31 Jan 2046	44	126348	25000	3000	917	2083
28 Feb 2046	44	126348	25000	3000	917	2083
31 Mar 2046	44	126348	25000	3000	917	2083
30 Apr 2046	44	126348	25000	3000	917	2083
31 May 2046	44	126348	25000	3000	917	2083
30 Jun 2046	44	126348	25000	3000	917	2083
31 Jul 2046	44	126348	25000	3000	917	2083
31 Aug 2046	44	126348	25000	3000	917	2083
30 Sep 2046	44	126348	25000	3000	917	2083
31 Oct 2046	45	132665	25000	3000	917	2083
30 Nov 2046	45	132665	25000	3000	917	2083
31 Dec 2046	45	132665	25000	3000	917	2083
31 Jan 2047	45	132665	25000	3000	917	2083
28 Feb 2047	45	132665	25000	3000	917	2083
31 Mar 2047	45	132665	25000	3000	917	2083
30 Apr 2047	45	132665	25000	3000	917	2083
31 May 2047	45	132665	25000	3000	917	2083
30 Jun 2047	45	132665	25000	3000	917	2083
31 Jul 2047	45	132665	25000	3000	917	2083
31 Aug 2047	45	132665	25000	3000	917	2083
30 Sep 2047	45	132665	25000	3000	917	2083
31 Oct 2047	46	139298	25000	3000	917	2083
30 Nov 2047	46	139298	25000	3000	917	2083
31 Dec 2047	46	139298	25000	3000	917	2083
31 Jan 2048	46	139298	25000	3000	917	2083
29 Feb 2048	46	139298	25000	3000	917	2083
31 Mar 2048	46	139298	25000	3000	917	2083
30 Apr 2048	46	139298	25000	3000	917	2083
31 May 2048	46	139298	25000	3000	917	2083
30 Jun 2048	46	139298	25000	3000	917	2083
31 Jul 2048	46	139298	25000	3000	917	2083
31 Aug 2048	46	139298	25000	3000	917	2083
30 Sep 2048	46	139298	25000	3000	917	2083
31 Oct 2048	47	146263	25000	3000	917	2083
30 Nov 2048	47	146263	25000	3000	917	2083
31 Dec 2048	47	146263	25000	3000	917	2083
31 Jan 2049	47	146263	25000	3000	917	2083
28 Feb 2049	47	146263	25000	3000	917	2083
31 Mar 2049	47	146263	25000	3000	917	2083
30 Apr 2049	47	146263	25000	3000	917	2083
31 May 2049	47	146263	25000	3000	917	2083
30 Jun 2049	47	146263	25000	3000	917	2083
31 Jul 2049	47	146263	25000	3000	917	2083
31 Aug 2049	47	146263	25000	3000	917	2083
30 Sep 2049	47	146263	25000	3000	917	2083
31 Oct 2049	48	153576	25000	3000	917	2083
30 Nov 2049	48	153576	25000	3000	917	2083
31 Dec 2049	48	153576	25000	3000	917	2083
31 Jan 2050	48	153576	25000	3000	917	2083
28 Feb 2050	48	153576	25000	3000	917	2083
31 Mar 2050	48	153576	25000	3000	917	2083
30 Apr 2050	48	153576	25000	3000	917	2083
31 May 2050	48	153576	25000	3000	917	2083
30 Jun 2050	48	153576	25000	3000	917	2083
31 Jul 2050	48	153576	25000	3000	917	2083
31 Aug 2050	48	153576	25000	3000	917	2083
30 Sep 2050	48	153576	25000	3000	917	2083
31 Oct 2050	49	161255	25000	3000	917	2083
30 Nov 2050	49	161255	25000	3000	917	2083
31 Dec 2050	49	161255	25000	3000	917	2083
31 Jan 2051	49	161255	25000	3000	917	2083
28 Feb 2051	49	161255	25000	3000	917	2083
31 Mar 2051	49	161255	25000	3000	917	2083
30 Apr 2051	49	161255	25000	3000	917	2083
31 May 2051	49	161255	25000	3000	917	2083
30 Jun 2051	49	161255	25000	3000	917	2083
31 Jul 2051	49	161255	25000	3000	917	2083
31 Aug 2051	49	161255	25000	3000	917	2083
30 Sep 2051	49	161255	25000	3000	917	2083
31 Oct 2051	50	169318	25000	3000	917	2083
30 Nov 2051	50	169318	25000	3000	917	2083
31 Dec 2051	50	169318	25000	3000	917	2083
31 Jan 2052	50	169318	25000	3000	917	2083
29 Feb 2052	50	169318	25000	3000	917	2083
31 Mar 2052	50	169318	25000	3000	917	2083
30 Apr 2052	50	169318	25000	3000	917	2083
31 May 2052	50	169318	25000	3000	917	2083
30 Jun 2052	50	169318	25000	3000	917	2083
31 Jul 2052	50	169318	25000	3000	917	2083
31 Aug 2052	50	169318	25000	3000	917	2083
30 Sep 2052	50	169318	25000	3000	917	2083
31 Oct 2052	51	177784	25000	3000	917	2083
30 Nov 2052	51	177784	25000	3000	917	2083
31 Dec 2052	51	177784	25000	3000	917	2083
31 Jan 2053	51	177784	25000	3000	917	2083
28 Feb 2053	51	177784	25000	3000	917	2083
31 Mar 2053	51	177784	25000	3000	917	2083
30 Apr 2053	51	177784	25000	3000	917	2083
31 May 2053	51	177784	25000	3000	917	2083
30 Jun 2053	51	177784	25000	3000	917	2083
31 Jul 2053	51	177784	25000	3000	917	2083
31 Aug 2053	51	177784	25000	3000	917	2083
30 Sep 2053	51	177784	25000	3000	917	2083
31 Oct 2053	52	186673	25000	3000	917	2083
30 Nov 2053	52	186673	25000	3000	917	2083
31 Dec 2053	52	186673	25000	3000	917	2083
31 Jan 2054	52	186673	25000	3000	917	2083
28 Feb 2054	52	186673	25000	3000	917	2083
31 Mar 2054	52	186673	25000	3000	917	2083
30 Apr 2054	52	186673	25000	3000	917	2083
31 May 2054	52	186673	25000	3000	917	2083
30 Jun 2054	52	186673	25000	3000	917	2083
31 Jul 2054	52	186673	25000	3000	917	2083
31 Aug 2054	52	186673	25000	3000	917	2083
30 Sep 2054	52	186673	25000	3000	917	2083
31 Oct 2054	53	196006	25000	3000	917	2083
30 Nov 2054	53	196006	25000	3000	917	2083
31 Dec 2054	53	196006	25000	3000	917	2083
31 Jan 2055	53	196006	25000	3000	917	2083
28 Feb 2055	53	196006	25000	3000	917	2083
31 Mar 2055	53	196006	25000	3000	917	2083
30 Apr 2055	53	196006	25000	3000	917	2083
31 May 2055	53	196006	25000	3000	917	2083
30 Jun 2055	53	196006	25000	3000	917	2083
31 Jul 2055	53	196006	25000	3000	917	2083
31 Aug 2055	53	196006	25000	3000	917	2083
30 Sep 2055	53	196006	25000	3000	917	2083
31 Oct 2055	54	205807	25000	3000	917	2083
30 Nov 2055	54	205807	25000	3000	917	2083
31 Dec 2055	54	205807	25000	3000	917	2083
31 Jan 2056	54	205807	25000	3000	917	2083
29 Feb 2056	54	205807	25000	3000	917	2083
31 Mar 2056	54	205807	25000	3000	917	2083
30 Apr 2056	54	205807	25000	3000	917	2083
31 May 2056	54	205807	25000	3000	917	2083
30 Jun 2056	54	205807	25000	3000	917	2083
31 Jul 2056	54	205807	25000	3000	917	2083
31 Aug 2056	54	205807	25000	3000	917	2083
30 Sep 2056	54	205807	25000	3000	917	2083
31 Oct 2056	55	216097	25000	3000	917	2083
30 Nov 2056	55	216097	25000	3000	917	2083
31 Dec 2056	55	216097	25000	3000	917	2083
31 Jan 2057	55	216097	25000	3000	917	2083
28 Feb 2057	55	216097	25000	3000	917	2083
31 Mar 2057	55	216097	25000	3000	917	2083
30 Apr 2057	55	216097	25000	3000	917	2083
31 May 2057	55	216097	25000	3000	917	2083
30 Jun 2057	55	216097	25000	3000	917	2083
31 Jul 2057	55	216097	25000	3000	917	2083
31 Aug 2057	55	216097	25000	3000	917	2083
30 Sep 2057	55	216097	25000	3000	917	2083
31 Oct 2057	56	226902	25000	3000	917	2083
30 Nov 2057	56	226902	25000	3000	917	2083
31 Dec 2057	56	226902	25000	3000	917	2083
31 Jan 2058	56	226902	25000	3000	917	2083
28 Feb 2058	56	226902	25000	3000	917	2083
31 Mar 2058	56	226902	25000	3000	917	2083
30 Apr 2058	56	226902	25000	3000	917	2083
31 May 2058	56	226902	25000	3000	917	2083
30 Jun 2058	56	226902	25000	3000	917	2083
31 Jul 2058	56	226902	25000	3000	917	2083
31 Aug 2058	56	226902	25000	3000	917	2083
30 Sep 2058	56	226902	25000	3000	917	2083
31 Oct 2058	57	238247	25000	3000	917	2083
30 Nov 2058	57	238247	25000	3000	917	2083
31 Dec 2058	57	238247	25000	3000	917	2083
31 Jan 2059	57	238247	25000	3000	917	2083
28 Feb 2059	57	238247	25000	3000	917	2083
31 Mar 2059	57	238247	25000	3000	917	2083
30 Apr 2059	57	238247	25000	3000	917	2083
31 May 2059	57	238247	25000	3000	917	2083
30 Jun 2059	57	238247	25000	3000	917	2083
31 Jul 2059	57	238247	25000	3000	917	2083
31 Aug 2059	57	238247	25000	3000	917	2083
30 Sep 2059	57	238247	25000	3000	917	2083

Monthly interest ledger (₹)

Month end	Opening EPF	Scenario rate %	Accrued	Credit	Closing EPF
31 Oct 2026	0	8.25	0.000000	0	3917
30 Nov 2026	3917	8.25	26.929375	0	7834
31 Dec 2026	7834	8.25	53.858750	0	11751
31 Jan 2027	11751	8.25	80.788125	0	15668
28 Feb 2027	15668	8.25	107.717500	0	19585
31 Mar 2027	19585	8.25	134.646875	404	23906
30 Apr 2027	23906	8.25	164.353750	0	27823
31 May 2027	27823	8.25	191.283125	0	31740
30 Jun 2027	31740	8.25	218.212500	0	35657
31 Jul 2027	35657	8.25	245.141875	0	39574
31 Aug 2027	39574	8.25	272.071250	0	43491
30 Sep 2027	43491	8.25	299.000625	0	47408
31 Oct 2027	47408	8.25	325.930000	0	51325
30 Nov 2027	51325	8.25	352.859375	0	55242
31 Dec 2027	55242	8.25	379.788750	0	59159
31 Jan 2028	59159	8.25	406.718125	0	63076
29 Feb 2028	63076	8.25	433.647500	0	66993
31 Mar 2028	66993	8.25	460.576875	3750	74660
30 Apr 2028	74660	8.25	513.287500	0	78577
31 May 2028	78577	8.25	540.216875	0	82494
30 Jun 2028	82494	8.25	567.146250	0	86411
31 Jul 2028	86411	8.25	594.075625	0	90328
31 Aug 2028	90328	8.25	621.005000	0	94245
30 Sep 2028	94245	8.25	647.934375	0	98162
31 Oct 2028	98162	8.25	674.863750	0	102079
30 Nov 2028	102079	8.25	701.793125	0	105996
31 Dec 2028	105996	8.25	728.722500	0	109913
31 Jan 2029	109913	8.25	755.651875	0	113830
28 Feb 2029	113830	8.25	782.581250	0	117747
31 Mar 2029	117747	8.25	809.510625	7937	129601
30 Apr 2029	129601	8.25	891.006875	0	133518
31 May 2029	133518	8.25	917.936250	0	137435
30 Jun 2029	137435	8.25	944.865625	0	141352
31 Jul 2029	141352	8.25	971.795000	0	145269
31 Aug 2029	145269	8.25	998.724375	0	149186
30 Sep 2029	149186	8.25	1025.653750	0	153103
31 Oct 2029	153103	8.25	1052.583125	0	157020
30 Nov 2029	157020	8.25	1079.512500	0	160937
31 Dec 2029	160937	8.25	1106.441875	0	164854
31 Jan 2030	164854	8.25	1133.371250	0	168771
28 Feb 2030	168771	8.25	1160.300625	0	172688
31 Mar 2030	172688	8.25	1187.230000	12469	189074
30 Apr 2030	189074	8.25	1299.883750	0	192991
31 May 2030	192991	8.25	1326.813125	0	196908
30 Jun 2030	196908	8.25	1353.742500	0	200825
31 Jul 2030	200825	8.25	1380.671875	0	204742
31 Aug 2030	204742	8.25	1407.601250	0	208659
30 Sep 2030	208659	8.25	1434.530625	0	212576
31 Oct 2030	212576	8.25	1461.460000	0	216493
30 Nov 2030	216493	8.25	1488.389375	0	220410
31 Dec 2030	220410	8.25	1515.318750	0	224327
31 Jan 2031	224327	8.25	1542.248125	0	228244
28 Feb 2031	228244	8.25	1569.177500	0	232161
31 Mar 2031	232161	8.25	1596.106875	17376	253454
30 Apr 2031	253454	8.25	1742.496250	0	257371
31 May 2031	257371	8.25	1769.425625	0	261288
30 Jun 2031	261288	8.25	1796.355000	0	265205
31 Jul 2031	265205	8.25	1823.284375	0	269122
31 Aug 2031	269122	8.25	1850.213750	0	273039
30 Sep 2031	273039	8.25	1877.143125	0	276956
31 Oct 2031	276956	8.25	1904.072500	0	280873
30 Nov 2031	280873	8.25	1931.001875	0	284790
31 Dec 2031	284790	8.25	1957.931250	0	288707
31 Jan 2032	288707	8.25	1984.860625	0	292624
29 Feb 2032	292624	8.25	2011.790000	0	296541
31 Mar 2032	296541	8.25	2038.719375	22687	323145
30 Apr 2032	323145	8.25	2221.621875	0	327062
31 May 2032	327062	8.25	2248.551250	0	330979
30 Jun 2032	330979	8.25	2275.480625	0	334896
31 Jul 2032	334896	8.25	2302.410000	0	338813
31 Aug 2032	338813	8.25	2329.339375	0	342730
30 Sep 2032	342730	8.25	2356.268750	0	346647
31 Oct 2032	346647	8.25	2383.198125	0	350564
30 Nov 2032	350564	8.25	2410.127500	0	354481
31 Dec 2032	354481	8.25	2437.056875	0	358398
31 Jan 2033	358398	8.25	2463.986250	0	362315
28 Feb 2033	362315	8.25	2490.915625	0	366232
31 Mar 2033	366232	8.25	2517.845000	28437	398586
30 Apr 2033	398586	8.25	2740.278750	0	402503
31 May 2033	402503	8.25	2767.208125	0	406420
30 Jun 2033	406420	8.25	2794.137500	0	410337
31 Jul 2033	410337	8.25	2821.066875	0	414254
31 Aug 2033	414254	8.25	2847.996250	0	418171
30 Sep 2033	418171	8.25	2874.925625	0	422088
31 Oct 2033	422088	8.25	2901.855000	0	426005
30 Nov 2033	426005	8.25	2928.784375	0	429922
31 Dec 2033	429922	8.25	2955.713750	0	433839
31 Jan 2034	433839	8.25	2982.643125	0	437756
28 Feb 2034	437756	8.25	3009.572500	0	441673
31 Mar 2034	441673	8.25	3036.501875	34661	480251
30 Apr 2034	480251	8.25	3301.725625	0	484168
31 May 2034	484168	8.25	3328.655000	0	488085
30 Jun 2034	488085	8.25	3355.584375	0	492002
31 Jul 2034	492002	8.25	3382.513750	0	495919
31 Aug 2034	495919	8.25	3409.443125	0	499836
30 Sep 2034	499836	8.25	3436.372500	0	503753
31 Oct 2034	503753	8.25	3463.301875	0	507670
30 Nov 2034	507670	8.25	3490.231250	0	511587
31 Dec 2034	511587	8.25	3517.160625	0	515504
31 Jan 2035	515504	8.25	3544.090000	0	519421
28 Feb 2035	519421	8.25	3571.019375	0	523338
31 Mar 2035	523338	8.25	3597.948750	41398	568653
30 Apr 2035	568653	8.25	3909.489375	0	572570
31 May 2035	572570	8.25	3936.418750	0	576487
30 Jun 2035	576487	8.25	3963.348125	0	580404
31 Jul 2035	580404	8.25	3990.277500	0	584321
31 Aug 2035	584321	8.25	4017.206875	0	588238
30 Sep 2035	588238	8.25	4044.136250	0	592155
31 Oct 2035	592155	8.25	4071.065625	0	596072
30 Nov 2035	596072	8.25	4097.995000	0	599989
31 Dec 2035	599989	8.25	4124.924375	0	603906
31 Jan 2036	603906	8.25	4151.853750	0	607823
29 Feb 2036	607823	8.25	4178.783125	0	611740
31 Mar 2036	611740	8.25	4205.712500	48691	664348
30 Apr 2036	664348	8.25	4567.392500	0	668265
31 May 2036	668265	8.25	4594.321875	0	672182
30 Jun 2036	672182	8.25	4621.251250	0	676099
31 Jul 2036	676099	8.25	4648.180625	0	680016
31 Aug 2036	680016	8.25	4675.110000	0	683933
30 Sep 2036	683933	8.25	4702.039375	0	687850
31 Oct 2036	687850	8.25	4728.968750	0	691767
30 Nov 2036	691767	8.25	4755.898125	0	695684
31 Dec 2036	695684	8.25	4782.827500	0	699601
31 Jan 2037	699601	8.25	4809.756875	0	703518
28 Feb 2037	703518	8.25	4836.686250	0	707435
31 Mar 2037	707435	8.25	4863.615625	56586	767938
30 Apr 2037	767938	8.25	5279.573750	0	771855
31 May 2037	771855	8.25	5306.503125	0	775772
30 Jun 2037	775772	8.25	5333.432500	0	779689
31 Jul 2037	779689	8.25	5360.361875	0	783606
31 Aug 2037	783606	8.25	5387.291250	0	787523
30 Sep 2037	787523	8.25	5414.220625	0	791440
31 Oct 2037	791440	8.25	5441.150000	0	795357
30 Nov 2037	795357	8.25	5468.079375	0	799274
31 Dec 2037	799274	8.25	5495.008750	0	803191
31 Jan 2038	803191	8.25	5521.938125	0	807108
28 Feb 2038	807108	8.25	5548.867500	0	811025
31 Mar 2038	811025	8.25	5575.796875	65132	880074
30 Apr 2038	880074	8.25	6050.508750	0	883991
31 May 2038	883991	8.25	6077.438125	0	887908
30 Jun 2038	887908	8.25	6104.367500	0	891825
31 Jul 2038	891825	8.25	6131.296875	0	895742
31 Aug 2038	895742	8.25	6158.226250	0	899659
30 Sep 2038	899659	8.25	6185.155625	0	903576
31 Oct 2038	903576	8.25	6212.085000	0	907493
30 Nov 2038	907493	8.25	6239.014375	0	911410
31 Dec 2038	911410	8.25	6265.943750	0	915327
31 Jan 2039	915327	8.25	6292.873125	0	919244
28 Feb 2039	919244	8.25	6319.802500	0	923161
31 Mar 2039	923161	8.25	6346.731875	74383	1001461
30 Apr 2039	1001461	8.25	6885.044375	0	1005378
31 May 2039	1005378	8.25	6911.973750	0	1009295
30 Jun 2039	1009295	8.25	6938.903125	0	1013212
31 Jul 2039	1013212	8.25	6965.832500	0	1017129
31 Aug 2039	1017129	8.25	6992.761875	0	1021046
30 Sep 2039	1021046	8.25	7019.691250	0	1024963
31 Oct 2039	1024963	8.25	7046.620625	0	1028880
30 Nov 2039	1028880	8.25	7073.550000	0	1032797
31 Dec 2039	1032797	8.25	7100.479375	0	1036714
31 Jan 2040	1036714	8.25	7127.408750	0	1040631
29 Feb 2040	1040631	8.25	7154.338125	0	1044548
31 Mar 2040	1044548	8.25	7181.267500	84398	1132863
30 Apr 2040	1132863	8.25	7788.433125	0	1136780
31 May 2040	1136780	8.25	7815.362500	0	1140697
30 Jun 2040	1140697	8.25	7842.291875	0	1144614
31 Jul 2040	1144614	8.25	7869.221250	0	1148531
31 Aug 2040	1148531	8.25	7896.150625	0	1152448
30 Sep 2040	1152448	8.25	7923.080000	0	1156365
31 Oct 2040	1156365	8.25	7950.009375	0	1160282
30 Nov 2040	1160282	8.25	7976.938750	0	1164199
31 Dec 2040	1164199	8.25	8003.868125	0	1168116
31 Jan 2041	1168116	8.25	8030.797500	0	1172033
28 Feb 2041	1172033	8.25	8057.726875	0	1175950
31 Mar 2041	1175950	8.25	8084.656250	95239	1275106
30 Apr 2041	1275106	8.25	8766.353750	0	1279023
31 May 2041	1279023	8.25	8793.283125	0	1282940
30 Jun 2041	1282940	8.25	8820.212500	0	1286857
31 Jul 2041	1286857	8.25	8847.141875	0	1290774
31 Aug 2041	1290774	8.25	8874.071250	0	1294691
30 Sep 2041	1294691	8.25	8901.000625	0	1298608
31 Oct 2041	1298608	8.25	8927.930000	0	1302525
30 Nov 2041	1302525	8.25	8954.859375	0	1306442
31 Dec 2041	1306442	8.25	8981.788750	0	1310359
31 Jan 2042	1310359	8.25	9008.718125	0	1314276
28 Feb 2042	1314276	8.25	9035.647500	0	1318193
31 Mar 2042	1318193	8.25	9062.576875	106974	1429084
30 Apr 2042	1429084	8.25	9824.952500	0	1433001
31 May 2042	1433001	8.25	9851.881875	0	1436918
30 Jun 2042	1436918	8.25	9878.811250	0	1440835
31 Jul 2042	1440835	8.25	9905.740625	0	1444752
31 Aug 2042	1444752	8.25	9932.670000	0	1448669
30 Sep 2042	1448669	8.25	9959.599375	0	1452586
31 Oct 2042	1452586	8.25	9986.528750	0	1456503
30 Nov 2042	1456503	8.25	10013.458125	0	1460420
31 Dec 2042	1460420	8.25	10040.387500	0	1464337
31 Jan 2043	1464337	8.25	10067.316875	0	1468254
28 Feb 2043	1468254	8.25	10094.246250	0	1472171
31 Mar 2043	1472171	8.25	10121.175625	119677	1595765
30 Apr 2043	1595765	8.25	10970.884375	0	1599682
31 May 2043	1599682	8.25	10997.813750	0	1603599
30 Jun 2043	1603599	8.25	11024.743125	0	1607516
31 Jul 2043	1607516	8.25	11051.672500	0	1611433
31 Aug 2043	1611433	8.25	11078.601875	0	1615350
30 Sep 2043	1615350	8.25	11105.531250	0	1619267
31 Oct 2043	1619267	8.25	11132.460625	0	1623184
30 Nov 2043	1623184	8.25	11159.390000	0	1627101
31 Dec 2043	1627101	8.25	11186.319375	0	1631018
31 Jan 2044	1631018	8.25	11213.248750	0	1634935
29 Feb 2044	1634935	8.25	11240.178125	0	1638852
31 Mar 2044	1638852	8.25	11267.107500	133428	1776197
30 Apr 2044	1776197	8.25	12211.354375	0	1780114
31 May 2044	1780114	8.25	12238.283750	0	1784031
30 Jun 2044	1784031	8.25	12265.213125	0	1787948
31 Jul 2044	1787948	8.25	12292.142500	0	1791865
31 Aug 2044	1791865	8.25	12319.071875	0	1795782
30 Sep 2044	1795782	8.25	12346.001250	0	1799699
31 Oct 2044	1799699	8.25	12372.930625	0	1803616
30 Nov 2044	1803616	8.25	12399.860000	0	1807533
31 Dec 2044	1807533	8.25	12426.789375	0	1811450
31 Jan 2045	1811450	8.25	12453.718750	0	1815367
28 Feb 2045	1815367	8.25	12480.648125	0	1819284
31 Mar 2045	1819284	8.25	12507.577500	148314	1971515
30 Apr 2045	1971515	8.25	13554.165625	0	1975432
31 May 2045	1975432	8.25	13581.095000	0	1979349
30 Jun 2045	1979349	8.25	13608.024375	0	1983266
31 Jul 2045	1983266	8.25	13634.953750	0	1987183
31 Aug 2045	1987183	8.25	13661.883125	0	1991100
30 Sep 2045	1991100	8.25	13688.812500	0	1995017
31 Oct 2045	1995017	8.25	13715.741875	0	1998934
30 Nov 2045	1998934	8.25	13742.671250	0	2002851
31 Dec 2045	2002851	8.25	13769.600625	0	2006768
31 Jan 2046	2006768	8.25	13796.530000	0	2010685
28 Feb 2046	2010685	8.25	13823.459375	0	2014602
31 Mar 2046	2014602	8.25	13850.388750	164427	2182946
30 Apr 2046	2182946	8.25	15007.753750	0	2186863
31 May 2046	2186863	8.25	15034.683125	0	2190780
30 Jun 2046	2190780	8.25	15061.612500	0	2194697
31 Jul 2046	2194697	8.25	15088.541875	0	2198614
31 Aug 2046	2198614	8.25	15115.471250	0	2202531
30 Sep 2046	2202531	8.25	15142.400625	0	2206448
31 Oct 2046	2206448	8.25	15169.330000	0	2210365
30 Nov 2046	2210365	8.25	15196.259375	0	2214282
31 Dec 2046	2214282	8.25	15223.188750	0	2218199
31 Jan 2047	2218199	8.25	15250.118125	0	2222116
28 Feb 2047	2222116	8.25	15277.047500	0	2226033
31 Mar 2047	2226033	8.25	15303.976875	181870	2411820
30 Apr 2047	2411820	8.25	16581.262500	0	2415737
31 May 2047	2415737	8.25	16608.191875	0	2419654
30 Jun 2047	2419654	8.25	16635.121250	0	2423571
31 Jul 2047	2423571	8.25	16662.050625	0	2427488
31 Aug 2047	2427488	8.25	16688.980000	0	2431405
30 Sep 2047	2431405	8.25	16715.909375	0	2435322
31 Oct 2047	2435322	8.25	16742.838750	0	2439239
30 Nov 2047	2439239	8.25	16769.768125	0	2443156
31 Dec 2047	2443156	8.25	16796.697500	0	2447073
31 Jan 2048	2447073	8.25	16823.626875	0	2450990
29 Feb 2048	2450990	8.25	16850.556250	0	2454907
31 Mar 2048	2454907	8.25	16877.485625	200752	2659576
30 Apr 2048	2659576	8.25	18284.585000	0	2663493
31 May 2048	2663493	8.25	18311.514375	0	2667410
30 Jun 2048	2667410	8.25	18338.443750	0	2671327
31 Jul 2048	2671327	8.25	18365.373125	0	2675244
31 Aug 2048	2675244	8.25	18392.302500	0	2679161
30 Sep 2048	2679161	8.25	18419.231875	0	2683078
31 Oct 2048	2683078	8.25	18446.161250	0	2686995
30 Nov 2048	2686995	8.25	18473.090625	0	2690912
31 Dec 2048	2690912	8.25	18500.020000	0	2694829
31 Jan 2049	2694829	8.25	18526.949375	0	2698746
28 Feb 2049	2698746	8.25	18553.878750	0	2702663
31 Mar 2049	2702663	8.25	18580.808125	221192	2927772
30 Apr 2049	2927772	8.25	20128.432500	0	2931689
31 May 2049	2931689	8.25	20155.361875	0	2935606
30 Jun 2049	2935606	8.25	20182.291250	0	2939523
31 Jul 2049	2939523	8.25	20209.220625	0	2943440
31 Aug 2049	2943440	8.25	20236.150000	0	2947357
30 Sep 2049	2947357	8.25	20263.079375	0	2951274
31 Oct 2049	2951274	8.25	20290.008750	0	2955191
30 Nov 2049	2955191	8.25	20316.938125	0	2959108
31 Dec 2049	2959108	8.25	20343.867500	0	2963025
31 Jan 2050	2963025	8.25	20370.796875	0	2966942
28 Feb 2050	2966942	8.25	20397.726250	0	2970859
31 Mar 2050	2970859	8.25	20424.655625	243319	3218095
30 Apr 2050	3218095	8.25	22124.403125	0	3222012
31 May 2050	3222012	8.25	22151.332500	0	3225929
30 Jun 2050	3225929	8.25	22178.261875	0	3229846
31 Jul 2050	3229846	8.25	22205.191250	0	3233763
31 Aug 2050	3233763	8.25	22232.120625	0	3237680
30 Sep 2050	3237680	8.25	22259.050000	0	3241597
31 Oct 2050	3241597	8.25	22285.979375	0	3245514
30 Nov 2050	3245514	8.25	22312.908750	0	3249431
31 Dec 2050	3249431	8.25	22339.838125	0	3253348
31 Jan 2051	3253348	8.25	22366.767500	0	3257265
28 Feb 2051	3257265	8.25	22393.696875	0	3261182
31 Mar 2051	3261182	8.25	22420.626250	267270	3532369
30 Apr 2051	3532369	8.25	24285.036875	0	3536286
31 May 2051	3536286	8.25	24311.966250	0	3540203
30 Jun 2051	3540203	8.25	24338.895625	0	3544120
31 Jul 2051	3544120	8.25	24365.825000	0	3548037
31 Aug 2051	3548037	8.25	24392.754375	0	3551954
30 Sep 2051	3551954	8.25	24419.683750	0	3555871
31 Oct 2051	3555871	8.25	24446.613125	0	3559788
30 Nov 2051	3559788	8.25	24473.542500	0	3563705
31 Dec 2051	3563705	8.25	24500.471875	0	3567622
31 Jan 2052	3567622	8.25	24527.401250	0	3571539
29 Feb 2052	3571539	8.25	24554.330625	0	3575456
31 Mar 2052	3575456	8.25	24581.260000	293198	3872571
30 Apr 2052	3872571	8.25	26623.925625	0	3876488
31 May 2052	3876488	8.25	26650.855000	0	3880405
30 Jun 2052	3880405	8.25	26677.784375	0	3884322
31 Jul 2052	3884322	8.25	26704.713750	0	3888239
31 Aug 2052	3888239	8.25	26731.643125	0	3892156
30 Sep 2052	3892156	8.25	26758.572500	0	3896073
31 Oct 2052	3896073	8.25	26785.501875	0	3899990
30 Nov 2052	3899990	8.25	26812.431250	0	3903907
31 Dec 2052	3903907	8.25	26839.360625	0	3907824
31 Jan 2053	3907824	8.25	26866.290000	0	3911741
28 Feb 2053	3911741	8.25	26893.219375	0	3915658
31 Mar 2053	3915658	8.25	26920.148750	321264	4240839
30 Apr 2053	4240839	8.25	29155.768125	0	4244756
31 May 2053	4244756	8.25	29182.697500	0	4248673
30 Jun 2053	4248673	8.25	29209.626875	0	4252590
31 Jul 2053	4252590	8.25	29236.556250	0	4256507
31 Aug 2053	4256507	8.25	29263.485625	0	4260424
30 Sep 2053	4260424	8.25	29290.415000	0	4264341
31 Oct 2053	4264341	8.25	29317.344375	0	4268258
30 Nov 2053	4268258	8.25	29344.273750	0	4272175
31 Dec 2053	4272175	8.25	29371.203125	0	4276092
31 Jan 2054	4276092	8.25	29398.132500	0	4280009
28 Feb 2054	4280009	8.25	29425.061875	0	4283926
31 Mar 2054	4283926	8.25	29451.991250	351647	4639490
30 Apr 2054	4639490	8.25	31896.493750	0	4643407
31 May 2054	4643407	8.25	31923.423125	0	4647324
30 Jun 2054	4647324	8.25	31950.352500	0	4651241
31 Jul 2054	4651241	8.25	31977.281875	0	4655158
31 Aug 2054	4655158	8.25	32004.211250	0	4659075
30 Sep 2054	4659075	8.25	32031.140625	0	4662992
31 Oct 2054	4662992	8.25	32058.070000	0	4666909
30 Nov 2054	4666909	8.25	32084.999375	0	4670826
31 Dec 2054	4670826	8.25	32111.928750	0	4674743
31 Jan 2055	4674743	8.25	32138.858125	0	4678660
28 Feb 2055	4678660	8.25	32165.787500	0	4682577
31 Mar 2055	4682577	8.25	32192.716875	384535	5071029
30 Apr 2055	5071029	8.25	34863.324375	0	5074946
31 May 2055	5074946	8.25	34890.253750	0	5078863
30 Jun 2055	5078863	8.25	34917.183125	0	5082780
31 Jul 2055	5082780	8.25	34944.112500	0	5086697
31 Aug 2055	5086697	8.25	34971.041875	0	5090614
30 Sep 2055	5090614	8.25	34997.971250	0	5094531
31 Oct 2055	5094531	8.25	35024.900625	0	5098448
30 Nov 2055	5098448	8.25	35051.830000	0	5102365
31 Dec 2055	5102365	8.25	35078.759375	0	5106282
31 Jan 2056	5106282	8.25	35105.688750	0	5110199
29 Feb 2056	5110199	8.25	35132.618125	0	5114116
31 Mar 2056	5114116	8.25	35159.547500	420137	5538170
30 Apr 2056	5538170	8.25	38074.918750	0	5542087
31 May 2056	5542087	8.25	38101.848125	0	5546004
30 Jun 2056	5546004	8.25	38128.777500	0	5549921
31 Jul 2056	5549921	8.25	38155.706875	0	5553838
31 Aug 2056	5553838	8.25	38182.636250	0	5557755
30 Sep 2056	5557755	8.25	38209.565625	0	5561672
31 Oct 2056	5561672	8.25	38236.495000	0	5565589
30 Nov 2056	5565589	8.25	38263.424375	0	5569506
31 Dec 2056	5569506	8.25	38290.353750	0	5573423
31 Jan 2057	5573423	8.25	38317.283125	0	5577340
28 Feb 2057	5577340	8.25	38344.212500	0	5581257
31 Mar 2057	5581257	8.25	38371.141875	458676	6043850
30 Apr 2057	6043850	8.25	41551.468750	0	6047767
31 May 2057	6047767	8.25	41578.398125	0	6051684
30 Jun 2057	6051684	8.25	41605.327500	0	6055601
31 Jul 2057	6055601	8.25	41632.256875	0	6059518
31 Aug 2057	6059518	8.25	41659.186250	0	6063435
30 Sep 2057	6063435	8.25	41686.115625	0	6067352
31 Oct 2057	6067352	8.25	41713.045000	0	6071269
30 Nov 2057	6071269	8.25	41739.974375	0	6075186
31 Dec 2057	6075186	8.25	41766.903750	0	6079103
31 Jan 2058	6079103	8.25	41793.833125	0	6083020
28 Feb 2058	6083020	8.25	41820.762500	0	6086937
31 Mar 2058	6086937	8.25	41847.691875	500395	6591249
30 Apr 2058	6591249	8.25	45314.836875	0	6595166
31 May 2058	6595166	8.25	45341.766250	0	6599083
30 Jun 2058	6599083	8.25	45368.695625	0	6603000
31 Jul 2058	6603000	8.25	45395.625000	0	6606917
31 Aug 2058	6606917	8.25	45422.554375	0	6610834
30 Sep 2058	6610834	8.25	45449.483750	0	6614751
31 Oct 2058	6614751	8.25	45476.413125	0	6618668
30 Nov 2058	6618668	8.25	45503.342500	0	6622585
31 Dec 2058	6622585	8.25	45530.271875	0	6626502
31 Jan 2059	6626502	8.25	45557.201250	0	6630419
28 Feb 2059	6630419	8.25	45584.130625	0	6634336
31 Mar 2059	6634336	8.25	45611.060000	545555	7183808
30 Apr 2059	7183808	8.25	49388.680000	0	7187725
31 May 2059	7187725	8.25	49415.609375	0	7191642
30 Jun 2059	7191642	8.25	49442.538750	0	7195559
31 Jul 2059	7195559	8.25	49469.468125	0	7199476
31 Aug 2059	7199476	8.25	49496.397500	0	7203393
30 Sep 2059	7203393	8.25	49523.326875	0	7207310

All rates are user assumptions. Accrual shown to six decimals; FY credit rounds to whole rupees. Current-month contributions earn from the following month.

Calculation rules and dated sources

Rule version C22-EPF-2026-10-09; source check 9 October 2026.

Projection starts 1 October 2026. Ages are scenario ages at that date, with birthdays and salary increases every 12 months. Opening balance excludes uncredited interest; prior financial-year accrual and all pre-start transactions are outside this projection.

Standard 12% active domestic, non-exempt case only. Confirm statutory PF wages, valid higher-wage option where selected, and payroll-permitted VPF after other deductions. No extra employer VPF match is assumed. Higher EPS pension, 10% establishments, international workers, exempt trusts and arrears are unavailable.

Current ₹25,000 ceiling, contribution rates and rules are held constant as a future scenario. Contributions are credited at each month-end and earn interest from the next month. Employee, employer total, EPS and VPF contributions round independently to whole rupees, with 50 paise rounded up; employer EPF is the rounded employer total less rounded EPS.

Interest accrues on each month's opening EPF balance at your annual scenario rate / 12; accrued interest does not compound monthly. It is credited each 31 March, rounded to whole rupees with 50 paise rounded up. Final partial-year accrued interest is shown separately, not credited or included in the displayed EPF balance. This is not a final withdrawal/settlement quote.

No FY2026–27 final notified rate is applied. Enter an explicit future scenario rate. The 2 March 2026 CBT recommendation of 8.25% for FY2025–26 is not evidence of a final government notification and is not used as a guaranteed future return.

Normal EPS membership must be explicitly selected from payroll records; it is not determined by salary. EPS contributions cease at scenario age 58. EPS pension estimate unavailable: no assumed past service or pension amount. EPS and government pension contributions do not enter the EPF balance.

Eligibility and wage basis

This illustration covers active domestic members in the standard 12% non-exempt arrangement. Confirm PF wages and membership with payroll; basic plus DA may not equal statutory wages. Existing membership is not inferred from current salary. International workers, exempt trusts and 10% establishments are not modelled.

Contributions and limits

The notified ceiling is ₹25,000 from 17 September 2026. The capped option applies 12% to the lower of PF wages and that ceiling. Full-wage contributions require a valid joint higher-wage option. Normal EPS diverts 8.33% of capped wages, rounded to ₹2,083 at the ceiling, out of the employer share. EPS is not part of your EPF balance.

Tax treatment

This is a gross, before-tax projection. Contribution deductions, taxable interest on high contributions and tax on withdrawals depend on current tax-year rules and individual facts, which are not verified here. No exemption, tax saving or net-of-tax balance is calculated.

Withdrawals and pension

Withdrawal and advance eligibility depend on scheme conditions and are not modelled. EPS pension estimate unavailable: membership, service history and pensionable wages are not collected or inferred. Normal EPS contributions cease at age 58 here; continued active EPF service can be illustrated to age 65.

Potential advantages

Regular employee and employer contributions support retirement saving. Optional employee VPF can increase saving without assuming an extra employer match. Annual interest credit adds to the following year's interest-bearing balance.

Trade-offs

Access is conditional, future rules and declared interest can change, and taxable interest may reduce net returns. A higher-wage option or VPF needs payroll confirmation. This constant-growth scenario excludes breaks in service, arrears, withdrawals and higher EPS pension options.

EPF Scheme 2026, G.S.R.525(E), published 1 July 2026, §§9,18–19,41–42

EPF corrigenda G.S.R.703(E), 4 August 2026

EPS Scheme 2026, G.S.R.527(E), 29 June 2026, §§4,7

EPS corrigenda G.S.R.704(E), 4 August 2026

EPFO circular 25 September 2026 / S.O.5109(E), ceiling effective 17 September 2026

Code on Social Security 2020, §2(82), Chapter III superannuation at 58

PIB, 2 March 2026: FY2025–26 8.25% recommendation, not final notification

Illustrative estimate only. Not financial advice. Actual outcomes may differ.