Your Secure Retirement Savings Scheme—building your future wealth with guaranteed returns.
8.25%
FY 2024-25
24%
of Basic + DA
5 Years
Full Benefits
The Employees' Provident Fund (EPF) is a savings scheme set up by the Government of India in 1952 to help employees save for retirement. Every month, both you and your employer contribute a small amount to your EPF account while you're working.
Your personal retirement fund is managed by the Employees' Provident Fund Organisation (EPFO), ensuring security and regulatory compliance.
Goes entirely to EPF account
*Based on ₹15,000 as Basic + Dearness Allowance
Annual Interest Rate
8.25%
Monthly Interest Rate
0.687%
Total Monthly Addition
₹2,350
| Month | Opening Balance | Monthly Contribution | Monthly Interest | Closing Balance |
|---|---|---|---|---|
| April 2024 | ₹0 | ₹2,350 | ₹16.14* | ₹2,350 |
| May 2024 | ₹2,350 | ₹2,350 | ₹32.29* | ₹4,732.43 |
*Interest is calculated monthly but credited annually on 31st March
Your 12-digit lifelong EPF ID that stays constant throughout your career. Manage your EPF online through UAN portal.
UMANG App
View passbook, raise claims, track status
EPFO Portal
Online services, forms, KYC update
Balance via SMS
EPFOHO UAN ENG
to 7738299899
Missed Call
9966044425
Before FY 2021-22:
EPF deposits and interest were fully tax-free
From FY 2021-22:
@ 10% (with PAN provided)
| Form Number | Form Name | Purpose / Used For | Category |
|---|---|---|---|
14 | Form 14 | Buying an LIC Policy or investing in LIC's Mutual Funds | Insurance Related |
11 | Form 11 | Transferring EPF account to new employer | Account Transfer |
13 | Form 13 | Transfer without registered DSC (Digital Signature Certificate) | Digital Transfer |
20 | Form 20 | Claim in case of employee's death (by nominee/legal heir) | Death Claim |
2 | Form 2 | Nomination for EPF & EPS (Employee Pension Scheme) | Nomination |
5 IF | Form 5 IF | EDLI insurance claim (Employees' Deposit Linked Insurance) | Insurance Claim |
15G | Form 15G | To avoid TDS on EPF interest (for individuals below taxable limit) | Tax Related |
5 | Form 5 | New employee registration (initial joining details) | Registration |
CF | Composite Form | Final settlement, pension withdrawal, or part withdrawal | Multi-purpose |
EPF accounts auto-transfer on job change from April 2024
Mandatory for online passbook access, ensures family security
EDLI coverage through employer's 0.5% contribution
Allowed for medical, home loan, education, and emergencies
After 36 months of no deposit, still earns interest until retirement
EPS provides monthly pension after age 58
Toll-Free Helpline
1800118005
Head Office
Bhavishya Nidhi Bhawan, 14 Bhikaji Cama Place, New Delhi – 110066
EPFiGMS.gov.in