How Much EPF Corpus Will You Have at Retirement? EPF, Pension & Gratuity Explained (2026)

If you're a salaried employee in India, a slice of your paycheck disappears into EPF every month without much thought — but that quiet, mandatory saving is often the single largest retirement asset most people build. Here's what that actually adds up to, using real numbers, plus how EPS pension and gratuity work alongside it.

How Much Will Your EPF Corpus Actually Be?

Take a starting basic + DA of ₹25,000/month, a typical 8% annual salary increment, standard 12% contributions from both employee and employer, and the current 8.25% p.a. EPF interest rate. Here's how the corpus builds depending on how many years you have left until retirement:

Years to Retirement	Your Contribution	Employer Contribution	Interest Earned	Final Corpus
15 years	₹9,77,476	₹7,52,566	₹12,67,635	₹29,97,677
20 years	₹16,47,431	₹13,47,551	₹30,75,926	₹60,70,907
30 years	₹40,78,196	₹36,28,376	₹1,30,58,730	₹2,07,65,301

How Much Will a ₹5,000 Monthly SIP Grow to in 15 Years? (2026 Guide)

A ₹5,000 monthly SIP feels small — barely more than a phone bill for many people. But run it through the math over 15 years at a realistic equity mutual fund return, and it can grow into a corpus of ₹20–30 lakh. Here's exactly how that happens, and how the numbers shift with time and return rate.

Quick Answer

At an assumed 12% p.a. return (compounded monthly, a commonly used long-term equity mutual fund assumption), a ₹5,000 SIP grows like this:

Duration	Amount Invested	Estimated Value	Wealth Gained
10 years	₹6,00,000	₹11,61,697	₹5,61,697
15 years	₹9,00,000	₹25,22,880	₹16,22,880
20 years	₹12,00,000	₹49,95,770	₹37,95,770

 

How Much EMI Will You Pay on a ₹40 Lakh Home Loan? (2026 Guide)

 If you're planning to take a ₹40 lakh home loan, your EMI can range anywhere from ₹30,000 to ₹40,000 a month depending purely on two things you control: your interest rate and your tenure. Here's exactly how those numbers play out, so you can pick the combination that fits your budget.

Quick Answer

At today's typical home loan rate of around 8.5% p.a., a ₹40 lakh loan works out to roughly:

Tenure	Monthly EMI	Total Interest Paid	Total Amount Paid
15 years	₹39,393	₹30,90,740	₹70,90,740
20 years	₹34,714	₹43,31,360	₹83,31,360
30 years	₹30,748	₹70,69,280	₹1,10,69,280