EPF Wage CeilingPF balance projection
An estimate of the PF account balance when the same wage keeps being contributed. The rate filled in, 8.25%, was the interest rate of FY 2025-26 (EPFO FAQ Q47); change it, because the rate for later years is decided every year.
What is in the estimate
- Each month the employee share (12%) and the employer EPF share (3.67%) go into the PF account; the employer's 8.33% EPS share goes to the pension fund and is not in the balance.
- Interest is worked out each month on the running balance and added once a year, a simplification of EPFO's method (the FAQ says "compounded at monthly running balance").
- The wage is assumed to stay the same and the rate is assumed constant, so the result is only a guide.
Sources
- Employees' Provident Fund Organisation (EPFO), "Frequently Asked Questions (FAQs): Revision of EPFO Statutory Wage Ceiling from ₹15,000 per month to ₹25,000 per month" (13 pages; notification S.O. 5109(E) dated 17 September 2026, effective 17 September 2026), saved from the EPFO website and read on 13 November 2026. Question numbers (Q1 to Q48) are quoted.
- The wage ceiling revision is also reported in Press Information Bureau releases (PRID 2313829 and 2314111), read on 13 November 2026.
- Not read: the text of the Employees' Provident Funds Scheme, the EPS and EDLI schemes, and any EPFO circular issued after the FAQs.
Rules from the EPFO FAQs on the wage ceiling, read on 13 November 2026. The FAQs are guidance and EPFO may issue later circulars; check epfindia.gov.in. This site is independent, not connected with EPFO, and gives arithmetic, not legal advice.