GPF Subscription Calculator

Enter Basic Pay (₹):

Minimum Subscription (6%):

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* Note: Total annual subscription must not exceed ₹5,00,000 as per current rules.

West Bengal GPF Rules 2026:

West Bengal government employee has a facility of General Provident Fund (GPF). So,you are a new recruit or a senior staff member, staying updated on the latest subscription rules is essential for both your retirement savings and tax planning.

What is the GPF (General Provident Fund)?

The GPF is a compulsory savings scheme for West Bengal government employees. After completing one year of continuous service, every employee is required to subscribe to this fund. The account is maintained by the Accountant General (A&E), West Bengal, and the accumulated amount, along with interest, is paid to the employee at the time of retirement.

New GPF Subscription Rules for 2026

Under the latest Finance Department guidelines and ROPA 2019 scales, here are the critical rules you must follow:

Minimum Subscription: You must contribute at least 6% of your Basic Pay every month.
Maximum Subscription: While you can choose to contribute more than 6%, your total subscription in a single financial year cannot exceed ₹5,00,000.
Interest Rates: The interest rate for GPF is reviewed quarterly by the government. Currently, it remains competitive compared to other fixed-income savings.
Tax Benefits: Contributions to GPF are eligible for tax deductions under Section 80C of the Income Tax Act (within the ₹1.5 lakh overall limit).

Pro Tip for tipsweb.in Readers: If your Basic Pay is high, ensure your monthly deduction multiplied by 12 does not cross the ₹5 lakh threshold, as any excess amount will not earn interest and may complicate your final settlement.

How to Calculate Your GPF Deduction

To make it easy for our readers, we have integrated a GPF Subscription Calculator below. Simply enter your current Basic Pay as per your latest payslip to see your minimum mandatory contribution.

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Common Questions (FAQ)

1. When can I increase my GPF subscription? You can usually increase your subscription twice a year and decrease it once a year, typically during the start of the financial year or after an increment.

2. Can I withdraw money from my GPF? Yes, employees can apply for Refundable Advances or Non-Refundable Withdrawals for specific purposes like marriage, education, illness, or house construction, subject to service length rules.

3. How do I find my GPF Account Number? Your GPF number is allotted by the AGWB. You can check it on your monthly salary slip or through the iIFMS West Bengal portal.