General Provident Fund (GPF) Calculator for Central Government Employees

GPF Calculator — General Provident Fund

Government of India · Ministry of Finance

GPF
SEAL
General Provident Fund Calculator

Project your GPF corpus year on year, using the monthly-running-balance interest method applied to Central Government subscriber accounts.

Current Rate
7.1% p.a.
Quarter
Jul – Sep 2026
GPF Year
April – March
Min. Subscription
6% of Basic Pay
Minimum 6% of basic pay; maximum is your full emoluments.
Optional — models rising subscription with pay increments/increments in DA.
Interest is credited once a year, computed on the running monthly balance.
Closing balance, year by year
Year Opening Balance Subscription Interest Credited Closing Balance
Illustrative projection only, based on the GPF interest formula applied to the monthly running balance (opening balance plus each month’s subscription, weighted by the months remaining in the fund before year-end interest is credited). Actual GPF interest rates are notified quarterly by the Department of Economic Affairs and may change during the projection period; this tool holds the rate you enter constant across all years. It does not account for withdrawals, refunds of advances, DA-linked pay revisions, or the ₹5 lakh annual-contribution threshold beyond which interest becomes taxable. Verify figures against your official GPF passbook / e-GPF statement.
GPF Calculator — Frequently Asked Questions

Government of India · Ministry of Finance

GPF
FAQ
GPF Calculator — Frequently Asked Questions

Answers on how the General Provident Fund Calculator works, the interest method it uses, and its limits — for Central Government employee subscribers.

This FAQ accompanies the GPF Calculator tool and is for general guidance only. GPF rules and interest rates are set and revised by the Department of Economic Affairs, Ministry of Finance, and your Drawing & Disbursing Officer / PAO remains the authoritative source for your account. Always verify projections against your official GPF passbook or e-GPF statement.

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