Monthly PF on ₹10,000 basic salary
| Part | Per month | Per year |
|---|---|---|
| Your contribution (12%) | ₹1,200 | ₹14,400 |
| Employer to EPF (3.67%) | ₹367 | ₹4,404 |
| Employer to pension, EPS | ₹833 | ₹9,996 |
| Total into your EPF account | ₹1,567 | ₹18,804 |
What it grows to at 8.25%
If the basic salary stayed at ₹10,000, your EPF would reach about ₹2.88 lakh in 10 years, ₹9.24 lakh in 20 years and ₹23.3 lakh in 30 years. Pay rises make it much larger; set a yearly increase in the calculator above.
The employer’s pension share is worked out on a wage ceiling of ₹15,000, so it stays at ₹1,250 a month for any basic salary above that.
Questions people ask
How much PF is deducted from a ₹10,000 basic salary?
12% of basic + DA, which is ₹1,200 a month, unless your employer limits PF to the ₹15,000 wage ceiling (then ₹1,800).
How much does the employer add on ₹10,000 basic?
Also 12% (₹1,200), of which ₹833 goes to the pension scheme and ₹367 to your EPF account.