Your EPF corpus builds automatically from monthly salary deductions — you contribute 12% of basic salary, your employer matches it (3.67% to EPF, 8.33% to EPS), and the balance earns 8.15% tax-free interest.
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You contribute 12% of Basic + DA monthly. Employer contributes 12% too — 3.67% to EPF, 8.33% to EPS (pension, capped at ₹1,250/mo). EPF balance earns declared interest (currently 8.15%) annually. Withdrawals after 5 continuous years of service are tax-free.
EPS contribution funds your pension and is not part of the lump-sum EPF corpus shown here. See our full disclaimer.