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Guide

EPF & VPF

Withdrawal rules, UAN, and why VPF beats most debt funds.

Updated 17 August 2026

Your numbers

₹5,000₹50,000₹10 L
1830 years58
08%30
58.25%12
₹0₹0₹10 Cr
EPF corpus at 58
₹2,34,89,801
  • Contributed38%
  • Interest62%
Total contributed
₹89,63,757
Interest earned
₹1,45,26,045
Final monthly basic
₹3,99,403
Growth over time
₹0₹61.7 L₹1.23 Cr₹1.85 Cr₹2.47 CrYr 1Yr 5Yr 9Yr 13Yr 17Yr 21Yr 25Yr 28
ValueAmount you put in

What this means.Of the employer’s 12%, only 3.67% goes to EPF — the other 8.33% funds EPS pension (capped at ₹15,000 of salary). Interest on employee contributions above ₹2.5 lakh a year is taxable.

Questions

Is this investing information specific to India?

Yes. Everything on Credsir is written for Indian regulation, Indian tax law and Indian products — RBI rules, IRDAI norms, SEBI regulation and the current financial year’s income tax provisions.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

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No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.