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Rs 4 Crore Retirement Corpus With EPF? Check The Salary, Contribution And Interest Needed
NDTV Profit 1d ago·29 Aug 2026, 7:48 am
The Employees' Provident Fund (EPF) is a government-backed retirement savings scheme that offers guaranteed returns, making it a popular choice for salaried individuals in India. The scheme operates on a defined contribution basis, where both the employee and the employer contribute a portion of the employee's basic salary and dearness allowance to the fund. The accumulated corpus, along with the interest earned, is returned to the employee upon retirement or resignation.
For investors, the EPF provides a secure and tax-efficient way to build a retirement nest egg. The interest earned is exempt from tax, and the corpus is also tax-free upon withdrawal after a specific period. However, the actual corpus size depends on the contribution amount and the prevailing interest rate set by the government. Investors should monitor these factors to understand how their savings will grow over time.
To achieve a target corpus, one must consider the required monthly contribution and the duration of investment. The government periodically reviews and announces the interest rate for the EPF. Investors should stay updated on these rates and plan their savings accordingly. While the scheme is low-risk, it is essential to ensure that the contribution aligns with long-term financial goals.
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