Monthly PF on ₹25,000 basic salary
| Part | Per month | Per year |
|---|---|---|
| Your contribution (12%) | ₹3,000 | ₹36,000 |
| Employer to EPF (7%) | ₹1,750 | ₹21,006 |
| Employer to pension, EPS | ₹1,250 | ₹14,994 |
| Total into your EPF account | ₹4,750 | ₹57,006 |
What it grows to at 8.25%
If the basic salary stayed at ₹25,000, your EPF would reach about ₹8.73 lakh in 10 years, ₹28.02 lakh in 20 years and ₹70.64 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 ₹25,000 basic salary?
12% of basic + DA, which is ₹3,000 a month, unless your employer limits PF to the ₹15,000 wage ceiling (then ₹1,800).
How much does the employer add on ₹25,000 basic?
Also 12% (₹3,000), of which ₹1,250 goes to the pension scheme and ₹1,750 to your EPF account.