🚀 Ultimate NPS Vatsalya & PF Calculator 2024 💰
💎 Free Online EPF, ESI, VPF & NPS Vatsalya Calculators with 8.25% Interest Rate 💎
🔢 PF Calculator
Calculate EPF with 8.25% interest rate for FY 2024-25
👶 NPS Vatsalya
Children’s pension planning with tax benefits
🏥 ESI Calculator
Employee State Insurance contribution calculator
💰 VPF Calculator
Voluntary Provident Fund planning tool
📊 Employee Provident Fund (EPF) Calculator 2024 📊
EPF Calculation Results
🎯 NPS Vatsalya Calculator for Children 👶
NPS Vatsalya Results
🏥 Employee State Insurance (ESI) Calculator 2024 🏥
📋 ESI Contribution Rates (FY 2024-25):
* Applicable for salary up to ₹21,000/month
ESI Calculation Results
💰 Voluntary Provident Fund (VPF) Calculator 💰
📊 VPF Interest Rate: 8.25%
Same as EPF interest rate for FY 2024-25
VPF Calculation Results
💸 Tax Benefits Summary 2024-25 💸
EPF Contribution
Section 80C
₹1,50,000
Maximum deduction limit
NPS Vatsalya
Section 80CCD(1B)
₹50,000
Additional deduction
VPF Contribution
Section 80C
₹1,50,000
Combined with EPF
ESI Contribution
Tax Free
100%
No tax on contributions
🌟 Pro Tax Saving Tips:
- Maximize EPF/VPF to get full ₹1,50,000 deduction under Section 80C
- Invest in NPS Vatsalya for additional ₹50,000 deduction under Section 80CCD(1B)
- ESI contributions are not taxable and provide health insurance benefits
- VPF gives the same interest rate as EPF but with higher contribution flexibility
- NPS Vatsalya offers market-linked returns with long-term wealth creation
📚 Important Information & Updates 📚
🔔 Latest Updates FY 2024-25:
- EPF Interest Rate: 8.25% approved by Government
- NPS Vatsalya: Now eligible for ₹50,000 tax deduction
- ESI Rates: Employee 0.75%, Employer 3.25%
- VPF Interest: Same as EPF rate at 8.25%
💡 Calculation Formulas:
EPF Calculation:
Employee: 12% of Basic Salary
Employer: 3.67% to EPF + 8.33% to EPS
ESI Calculation:
Employee: 0.75% of Gross Salary
Employer: 3.25% of Gross Salary
Interest Calculation:
Monthly Interest = Balance × (Annual Rate ÷ 12)
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❓ Frequently Asked Questions (FAQ) ❓
🤔 What is the current EPF interest rate for 2024-25?
The EPF interest rate for FY 2024-25 is 8.25% per annum, as approved by the Government of India. This rate is applicable to all EPF contributions.
👶 What is NPS Vatsalya scheme?
NPS Vatsalya is a pension scheme for children (minors up to 18 years). Minimum contribution is ₹1,000 annually with no maximum limit. It offers tax benefits up to ₹50,000 under Section 80CCD(1B).
💰 How is EPF contribution calculated?
Employee contributes 12% of basic salary + DA. Employer contributes 12% (3.67% to EPF + 8.33% to Employee Pension Scheme). Contributions are calculated monthly and interest is compounded.
🏥 What are the ESI contribution rates?
ESI contributions are: Employee 0.75% and Employer 3.25% of gross salary (applicable for salaries up to ₹21,000 per month). ESI provides medical benefits to employees and their families.
💎 What is VPF and its benefits?
VPF (Voluntary Provident Fund) allows additional contributions beyond mandatory EPF. You can contribute up to 100% of basic salary. VPF earns the same interest as EPF (8.25%) and qualifies for tax benefits under Section 80C.