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Employees' Provident Fund balance at retirement from your and your employer's monthly contributions. The rate is declared by EPFO each financial year.
8.25% p.a. for FY 2025-26 — recorded from an official source but not yet confirmed by us. Treat it as a starting figure and check before relying on it. Source · recorded 1 Jul 2026
Maturity value
₹1,57,90,005
after 30 years
You invest
₹36,00,000
Interest earned
₹1,21,90,005
Absolute return
338.6%
total gain on money in
Annualised (XIRR)
8.56%
money-weighted
Maturity value
₹1,57,90,005
Interest
₹1.22 Cr
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A maturity figure is only half the picture. These are the terms attached to it.
Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. Government-set rates are revised periodically, so a long projection at today's rate is illustrative rather than a forecast. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.