What Is EPF (Employees' Provident Fund)?

The retirement fund that salaried employees and employers both pay into every month.

Investing

You pay 12% of basic pay plus DA; your employer pays 12% too, of which 8.33% (on pay up to ₹15,000) goes to the pension scheme (EPS) and the rest to your EPF. EPFO sets the interest rate each year: 8.25% for 2025-26.

Withdrawals are tax free after five years of continuous service.

EPF calculator

Investing

Guides in Plain Words

Short reads that explain how it works before you decide.

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Money Guides4 Oct 2026 · 5 min readSIP vs Lumpsum: How Each One Works, With NumbersA SIP invests a fixed amount every month; a lumpsum invests it all at once. Here is how each works, what rupee cost averaging really does, and why the comparison people usually make is not a fair one.Read the guide →

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