Calculate your Karmachari Sanchaya Kosh (EPF) maturity corpus, annual compound interest, CIT voluntary top-ups, and 90% EPF Special Loan eligibility.
Calculate your accumulated provident fund balance, interest gains, and monthly pension payout at retirement age.
Accumulated balance at age 58 (30 years compounding).
Summary of official statutory parameters for government civil servants, teachers, security personnel, and corporate contributors enrolled in the Employees Provident Fund (EPF) of Nepal:
| EPF Parameter / Facility | Statutory Rule / Rate | Eligibility & Tax Impact |
|---|---|---|
| Employee Deduction | 10% of Basic Monthly Salary | Deducted at source before income tax |
| Employer Matching Contribution | 10% of Basic Monthly Salary | Total 20% monthly deposit into EPF account |
| EPF Deposit Interest Rate | ~7.50% – 8.00% p.a. + Profit Bonus | Compounded annually + Munafa bonus |
| Special Loan (विशेष सापटी) | Up to 90% of accumulated balance | Instant online withdrawal after 1 year of service |
| Home / Education / Land Loan | Up to 15 Years Basic Salary (Max रु 1 Crore) | Requires property collateral valuation |
| Income Tax Exemption (Sec. 63) | Up to 1/3 of Income or रु 3L–5L Limit | Directly reduces your taxable salary slab |
Direct Answer: In Nepal, 10% of an employee’s basic salary is deducted monthly and matched with 10% from the employer (total 20% of basic salary) into Karmachari Sanchaya Kosh (EPF). The balance compounds annually at ~7.5%–8.0% interest plus annual profit bonus, and contributors can borrow up to 90% via Special Loan.