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Updated with 17 September 2026 EPFO ₹25,000 Wage Ceiling Rule

India's Easy-to-Understand EPF, Pension & Retirement Money Assistant

“FinSetu ने मेरे PF और Pension को आसान भाषा में समझा दिया।”
Calculate monthly EPF contributions, annual interest growth (illustrative 8.25% FY 2025-26 rate), EPS-95 pension payout, and ₹15k vs ₹25k ceiling impact.

Verified Statutory Rule| EPFO Statutory Rule Engine

Source: EPFO Gazette / PIB Notifications (Verified 2026-09-17)

Official Gazette / Portal

EPF Calculator

12% Monthly Split & 8.25% Interest

EPS Pension Tool

Service Bonus & Pension Payout

₹15k vs ₹25k Ceiling

Sept 2026 Transition Impact

EDLI Life Insurance

Min ₹2.5L / Max ₹7L Cover

Versioned EPFO Calculation Engine

EPF & Retirement Smart Calculator

Accurate monthly split (Employee EPF, Employer EPS, Employer EPF) & EPF balance projection using the applicable annual EPF interest rate and monthly contribution methodology.

Verified Statutory Rule| EPF Contribution & Interest

Source: EPF Scheme 1952 / CBT 8.25% Illustrative Rate (Verified 2026-09-17)

Official Gazette / Portal
₹
Subject to ₹25,000 statutory mandatory-coverage wage ceiling
₹
Example balance — enter your actual EPF balance
Standard 12%VPF up to 100%
0%25% p.a.
Employer Contribution BasisRestricted Contribution Basis — ₹25,000 statutory mandatory-coverage wage ceiling

Actual contribution treatment may depend on applicable EPF provisions, employer/employee option and EPFO implementation instructions.

Monthly PF Split

CALCULATED
Employee EPF (12%)₹3,000
Employer EPS (8.33%)₹1,250
Employer EPF (3.67%)₹1,750
Total Monthly Deposit₹6,000

Projected Corpus at Age 58

ESTIMATED
₹86,80,775
Total Employee Contribution:₹10,80,000
Total Employer EPF Share:₹6,30,000
Total Running-Balance Interest (8.25%):₹68,20,775

Employer Admin & EDLI

OFFICIAL RULE
EDLI Insurance (0.50%)₹75/mo
EPF Admin Fee (0.50%)₹125/mo

EDLI provides up to ₹7,00,000 life insurance coverage to employee's family without any employee deduction.

Disclaimer: Corpus projections assume a constant interest rate of 8.25% p.a. (notified by CBT/EPFO) and annual salary hikes. Actual returns will vary as interest rates are declared annually by the Government of India.

Effective 17 September 2026

₹15,000 vs ₹25,000 EPFO Wage Ceiling Transition

Dynamic impact analysis of the Govt of India enhanced mandatory EPFO coverage ceiling.

Verified Statutory Rule| Coverage Ceiling Enhancement

Source: Government of India / Ministry of Labour & Employment / PIB (Verified 2026-09-17)

Official Gazette / Portal
₹
Quick Sets:
Pre-17 Sep 2026 (Historical)OFFICIAL RULE
Mandatory Coverage Ceiling
₹15,000 / month
EPF Contribution Wage Base₹15,000
Employee Share (12%)₹1,800
Employer EPS Share (8.33%)₹1,250
Employer EPF Share (3.67%)₹550
Total Monthly PF Deposit₹3,600
Post-17 Sep 2026 (Active Rule)OFFICIAL RULE
Mandatory Coverage Ceiling
₹25,000 / month
EPF Contribution Wage Base₹25,000
Employee Share (12%)₹3,000
Employer EPS Share (8.33%)₹1,250capped at ₹15k cap
Employer EPF Share (3.67%)₹1,750
Total Monthly PF Deposit₹6,000

+₹2,400 Higher Combined Monthly PF Deposit

Employee contribution: +₹1,200/month
Employer EPF contribution: +₹1,200/month
Combined annual PF deposit increase: ₹28,800/year
CALCULATED
September 2026 Payroll Transition NoteEffective 17 September 2026, the mandatory EPFO wage ceiling increases from ₹15,000 to ₹25,000 per month. Final treatment depends on applicable EPFO implementation instructions for September 2026 payroll."Final treatment depends on applicable EPFO implementation instructions for September 2026 payroll."
EPS Pensionable Salary Rule IndependenceStatutory EPS pensionable salary ceiling remains ₹15,000 per month unless an official EPS-specific notification modifies the EPS formula.
Employees' Pension Scheme 1995 Engine

EPS Pension & Service Calculator

Accounts for 20-year bonus, early/deferred pension factor, and statutory EPS salary cap.

Verified Statutory Rule| EPS-95 Pension Formula

Source: EPS Scheme 1995 Paragraph 12 (Verified 2026-09-17)

Official Gazette / Portal
₹
50 (Early)58 (Standard)60 (Deferred)
Days without EPF contribution

Service Summary & Bonus

CALCULATED
Actual Pensionable Service22 Years (264 Months)
20-Year Bonus Active: +2 years added to pensionable service!
Adjusted Pensionable Service24 Years

Estimated Monthly EPS Pension

CALCULATED
₹5,143 / month
Age Adjustment: 0% (SUPERANNUATION)
Statutory EPS Pensionable Salary Base: ₹15,000 (Capped at ₹15,000)
Important EPS Pensionable Salary NoteCalculation uses statutory EPS pensionable salary cap of ₹15,000. The 17 September 2026 EPFO ₹25,000 coverage ceiling change does not automatically modify EPS pensionable salary unless officially notified.EPS pensionable salary is governed by separate EPS provisions.
100% Client-Side Privacy Guaranteed

EPF Passbook Breakdown Assistant

Safely analyze passbook entries locally in your browser. Zero server uploads or credential collection.

Verified Statutory Rule| Privacy & Passbook Analysis

Source: FinSetu Client-Side Security Shield (Verified 2026-09-17)

Official Gazette / Portal
Privacy First Notice: FinSetu NEVER asks for your UAN password, EPFO login credentials, OTP, Aadhaar, or PAN. Passbook analysis runs strictly inside your local browser memory and is never saved.

Frequently Asked Questions (Fact-Checked)

EPF (Employee Provident Fund) is a statutory savings scheme. The employee contributes 12% of Basic + DA, and the employer matches 12% (split into 8.33% EPS up to the pensionable ceiling, and 3.67% to EPF).

Official Source: EPF Scheme 1952 Section 29
Important Disclaimer:

FinSetu is an independent educational and calculation platform and is not affiliated with EPFO (Employees' Provident Fund Organisation). Actual EPF balance, contribution, interest, pension, withdrawal eligibility, tax treatment and claim approval depend on EPFO records and applicable statutory rules.