Provident Fund Calculator
Calculate your Employee Provident Fund (EPF) maturity amount and returns.
Calculate PF Maturity
PF Maturity Details
Provident Fund in Nepal
Provident Fund is a retirement savings scheme where both employee and employer contribute monthly. It earns compound interest and is tax-advantaged.
• Employee: Typically 10% of salary
• Employer: Typically 10% of salary
• Total: 20% of monthly salary goes to PF
Current PF interest rate (2025): ~9% per year
Tax benefits:
• Employee contribution: Tax deductible (up to 33.33% of income or NPR 5 lakh)
• Interest earned: Partially tax-free
• Withdrawal: Tax-free after 5 years of continuous service
Note: This calculator assumes annual salary increments and compounds interest annually for simplicity.
FAQs
What is Provident Fund?
PF is a retirement benefit where employee and employer both contribute a portion of salary monthly. It grows with compound interest until retirement.
Can I withdraw PF before retirement?
Partial withdrawal allowed for house purchase, medical emergency, education after 5 years. Full withdrawal after leaving job or retirement.
Is PF mandatory in Nepal?
Yes, for organizations with 10+ employees. Both employee and employer must contribute at least 10% each to Social Security Fund (SSF) or approved PF.
What happens if I change jobs?
Your PF is portable. You can transfer it to new employer's PF scheme or keep it in the old one until retirement.
How is PF different from SSF?
SSF (Social Security Fund) is government-managed and mandatory. PF can be private employer-managed. SSF offers additional benefits like health insurance.