Question 1

What is the EPF interest rate for 2025-26?

Accepted Answer

The EPFO has set the Employees' Provident Fund interest rate at 8.25% for FY 2025-26, the same rate as the previous year. Interest is calculated monthly and credited at year end.

Question 2

How much is contributed to EPF each month?

Accepted Answer

The employee contributes 12% of basic salary plus DA. The employer also contributes 12%, but 8.33% of that goes to the EPS pension scheme and only 3.67% to the EPF account, so the EPF corpus grows by about 15.67% of basic each month.

Question 3

Is EPF taxable?

Accepted Answer

EPF is tax-free if you have completed 5 years of continuous service. Interest on employee contributions above Rs 2.5 lakh per year is taxable. Withdrawals before 5 years are taxable.

Question 4

When can I withdraw my EPF?

Accepted Answer

The full EPF balance can be withdrawn at retirement or if you are unemployed for more than two months. Partial withdrawals are allowed for specific needs such as a home purchase, medical treatment or education.

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