EPF · corpus at retirement
₹ 1,99,47,967
₹20,000 / month · 25 years · 8.25%, tax-free
The EEE advantage
₹1,32,51,314
same 8.25%, but interest slab-taxed yearly
₹1,99,47,967
EPF keeps · tax takes ₹0 (within the ₹2.5L limit)
Balance over time
Explained
A guaranteed 8.25% that compounds untaxed for decades — the most underrated line on your payslip. In the 30% (incl. cess) slab, matching this EEE compounding with a taxable instrument would need a headline rate of 11.99%. Note: interest on employee contributions above ₹2.5 L / year is taxable — the math here applies within that limit.