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PF Calculator Hindi — पीएफ कैलकुलेटर

Free EPF / PF calculator. Calculate monthly PF deduction, employer contribution, maturity amount and EPS pension.

PF कितना कटता है, employer कितना देता है, और retirement पर कितना मिलेगा — सब एक जगह।

Enter Salary Details / वेतन जानकारी भरें

PF, Basic + DA पर calculate होता है

Private sector employees: DA अमतौर पर 0 होता है

Current EPFO rate: 8.25% (FY 2024-25)

EPS pension के लिए minimum 10 साल जरूरी है

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Enter salary to calculate PF

बेसिक सैलरी डालें और PF निकालें

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PF Calculator Hindi — पीएफ क्या है और कैसे काम करता है?

PF यानी Provident Fund (भविष्य निधि) भारत सरकार की एक महत्वपूर्ण retirement savings scheme है। हर salaried employee जो ₹15,000 से ज्यादा basic salary पाता है उसके लिए PF optional है, लेकिन ₹15,000 से कम basic salary पर PF अनिवार्य है।

हर महीने आपकी basic salary का 12% PF में जाता है। आपके employer भी 12% contribute करते हैं — लेकिन उसमें से 8.33% EPS (Employees Pension Scheme) में जाता है और 3.67% आपके EPF account में। यह पैसा EPFO (Employees Provident Fund Organisation) के पास जमा होता है और हर साल 8.25% की दर से ब्याज मिलता है।

30 साल की नौकरी में ₹25,000 basic salary पर यह PF fund ₹1 crore से ज्यादा बन सकता है। यही reason है कि PF को भारत का सबसे safe retirement investment माना जाता है।

How PF is Calculated — The Complete Formula

Monthly PF Contributions:

Employee Contribution = Basic + DA × 12%
Employer EPF = Basic + DA × 3.67%
Employer EPS = min(Basic + DA, ₹15,000) × 8.33%
Total Monthly PF = Employee (12%) + Employer EPF (3.67%)

Important: The EPS (pension) contribution from employer does NOT go into your PF balance — it goes into a separate pension fund. Only the employee 12% and employer 3.67% (total 15.67%) compounds in your EPF account with interest. This is why our calculator shows them separately.

PF Contribution Based on Basic Salary — Quick Reference

Basic SalaryYour PF (12%)Employer PF (3.67%)Employer EPS (8.33%)Total Monthly
₹10,000₹1,200₹367₹833₹1,567
₹15,000₹1,800₹551₹1,250₹2,351
₹20,000₹2,400₹734₹1,250₹3,134
₹25,000₹3,000₹918₹1,250₹3,918
₹30,000₹3,600₹1,101₹1,250₹4,701
₹40,000₹4,800₹1,468₹1,250₹6,068
₹50,000₹6,000₹1,835₹1,250₹7,835

*EPS capped at ₹15,000 pensionable salary. Above ₹15,000 basic, EPS stays at ₹1,250/month.

EPF Maturity — How Much Will You Get at Retirement?

EPF grows significantly over long periods due to compound interest. At the current rate of 8.25% per annum, here is how ₹25,000 basic salary PF grows:

Service PeriodTotal ContributedEPF Maturity (8.25%)Interest Earned
5 years₹2,35,080₹2,81,543₹46,463
10 years₹4,70,160₹6,97,432₹2,27,272
15 years₹7,05,240₹13,09,876₹6,04,636
20 years₹9,40,320₹22,54,213₹13,13,893
30 years₹14,10,480₹57,83,412₹43,72,932

*Based on ₹25,000 basic salary, 15.67% total EPF contribution, 8.25% interest rate. Assumes constant salary.

पीएफ के फायदे — Benefits of EPF in India

  • Tax benefit: Employee का 12% contribution Section 80C के under ₹1.5 lakh तक tax exempt है
  • Tax-free interest: EPF पर मिलने वाला ब्याज income tax से मुक्त है (₹2.5 lakh annual contribution तक)
  • Tax-free withdrawal: 5 साल की service के बाद withdrawal पर कोई tax नहीं
  • Guaranteed returns: Government द्वारा guaranteed interest rate — market से independent
  • Pension benefit: 10 साल की service के बाद EPS pension मिलती है जो जीवन भर जारी रहती है
  • Partial withdrawal: Emergency में home loan, medical, education के लिए partial withdrawal allowed
  • Insurance cover: EDLI scheme के तहत ₹7 lakh तक का free life insurance coverage

EPF Withdrawal Rules — When Can You Withdraw PF?

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Home Loan

After 5 years service. Up to 90% of PF balance for home purchase or construction.

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Medical Emergency

Anytime. Up to 6 months basic salary or employee share — whichever is less.

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Education

After 7 years service. Up to 50% of employee contribution for self or children.

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Marriage

After 7 years service. Up to 50% of employee contribution for self, children or siblings.

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Home Renovation

After 5 years service. Up to 12 months basic salary + DA.

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Retirement

90% withdrawal at age 57 (1 year before retirement). Full withdrawal at 58.

PF Balance कैसे चेक करें?

  • EPFO Member Portal: member.epfindia.gov.in पर UAN से login करें
  • UMANG App: Government की UMANG app पर EPF balance देखें
  • SMS: 7738299899 पर EPFOHO UAN ENG लिखकर SMS करें
  • Missed Call: 011-22901406 पर missed call दें — balance SMS आएगा
  • Passbook: passbook.epfindia.gov.in पर detailed passbook देखें

Frequently Asked Questions

अक्सर पूछे जाने वाले सवाल

PF kya hota hai aur kitna kata hai salary se?
PF yaani Provident Fund ek retirement savings scheme hai. Employee ki basic salary ka 12% PF mein jata hai. Employer bhi 12% contribute karta hai — lekin yeh 3.67% EPF aur 8.33% EPS (pension) mein baanta hai. Dono milake total 24% basic salary ka PF mein jata hai.
EPF interest rate 2024-25 kitna hai?
EPFO ne FY 2024-25 ke liye EPF interest rate 8.25% annual tay ki hai. Yeh interest har mahine credit hota hai aur financial year ke end mein compound hota hai. Yeh rate EPFO board har saal decide karta hai.
PF withdrawal kab aur kaise kare?
PF withdrawal ke liye EPFO member portal (member.epfindia.gov.in) par jaayein. Partial withdrawal — home loan, medical emergency, education ke liye — 5 saal ki service ke baad kar sakte hain. Full withdrawal tabhi milta hai jab naukri chhodte hain aur 2 mahine se zyada unemployed hain ya 58 saal ki umar ho jaaye.
EPS pension ke liye kitne saal ki naukri chahiye?
EPS (Employee Pension Scheme) ke tahat pension ke liye minimum 10 saal ki service zaruri hai. Pension 58 saal ki umar mein milti hai. Formula hai: Monthly Pension = (Pensionable Salary x Years of Service) / 70. Maximum pensionable salary Rs.15,000 per month hai.
Kya PF par tax lagta hai?
5 saal se zyada ki service ke baad PF withdrawal par koi tax nahi lagta. 5 saal se kum mein withdrawal par TDS kata jaata hai. Employer ka contribution (3.67% EPF) bhi tax-free hota hai. Employee ka 12% contribution Section 80C ke under Rs.1.5 lakh tak tax deduction ke liye eligible hai.

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