{"id":8725,"date":"2025-08-29T01:34:32","date_gmt":"2025-08-29T01:34:32","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/08\/29\/heres-how-rs-5000-monthly-investment-can-build-a-rs-3-5-crore-retirement-corpus\/"},"modified":"2025-08-29T01:34:32","modified_gmt":"2025-08-29T01:34:32","slug":"heres-how-rs-5000-monthly-investment-can-build-a-rs-3-5-crore-retirement-corpus","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/08\/29\/heres-how-rs-5000-monthly-investment-can-build-a-rs-3-5-crore-retirement-corpus\/","title":{"rendered":"Here\u2019s How Rs 5000 Monthly Investment Can Build A Rs 3.5 Crore Retirement Corpus"},"content":{"rendered":"


\n<\/p>\n

\n

Your disciplined investment in Employees\u2019 Provident Fund (EPF) can create a massive retirement corpus. With Rs 5000 monthly contribution, along with salary hikes and 8.25% annual interest, your EPF savings can reach nearly Rs 3.5 crore by retirement.<\/p>\n<\/div>\n

\n
\n
\"EPF<\/figure>\n

Employees\u2019 Provident Fund (EPF) is a retirement savings scheme, managed by the EPFO (Employees\u2019 Provident Fund Organisation). Under this scheme, both the employee (12% of the basic pay) and the employer (3.67% of the employee\u2019s basic pay) contribute. It is a mandatory contribution which automatically creates discipline. (Image: Facebook)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

Furthermore, EPF also provides fixed interest from the government along with additional facilities like pension and insurance cover. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

As per EPF rules, the employer deposits 12% of his basic salary in EPF and the employer also contributes the same. Among these, 8.33% goes to EPS and the remaining 3.67% comes into the EPF account. EPS provides the benefit of pension in future. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

At present, 8.25% annual interest is being given by the government on EPFO. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

Example: Suppose an employee\u2019s monthly salary is Rs 64,000. Basic Pay is Rs 31,900, HRA is Rs 15,950 (50% of basic) and other allowances are Rs 16,150. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

Calculation: 12% of basic pay = Rs 3,828 per month, 3.67% of basic pay = Rs 1.172 per month. Therefore, a total of Rs 5000 is deposited in the EPF account every month. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

Assuming the salary will increase by at least 10% every year, the money going to EPF will also increase every year. It will also keep getting 8.25% interest continuously. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

Hence, if a person starts the job at the age of 25 and makes regular contributions till the age of 58 (33 years), by the time of retirement, he\/she will have a whopping retirement corpus of about Rs 3.5 crore. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

During this period, the total money invested in the EPF comes to Rs 1.33 crore. (Image: Canva)<\/p>\n

<\/div>\n

\n
\"EPF<\/figure>\n

Currently, the minimum pension in EPS is fixed at Rs 1000 per month. However, the amount of pension depends on many factors, like pensionable salary and period of service. (Image: Canva)<\/p>\n

<\/div>\n<\/div>\n


\n
Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Your disciplined investment in Employees\u2019 Provident Fund (EPF) can create a massive retirement corpus. With Rs 5000 monthly contribution, along with salary hikes and 8.25% annual interest, your EPF savings can reach nearly Rs 3.5 crore by retirement. Employees\u2019 Provident Fund (EPF) is a retirement savings scheme, managed by the EPFO (Employees\u2019 Provident Fund Organisation)….<\/p>\n","protected":false},"author":1,"featured_media":8726,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-8725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/8725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=8725"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/8725\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/8726"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=8725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=8725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=8725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}