Government ratifies 8.25% EPF interest rate for 2025-26; credit expected this month

Finance Ministry has concurred with an EPFO proposal to keep the EPF rate of interest at 8.25% for the third FY in a row

The government has approved an 8.25% interest rate on EPF deposits for 2025-26, to be credited to over seven crore members this month, maintaining the rate for the third consecutive year.

This marks the third consecutive year the EPF interest rate has been maintained at 8.25 per cent.

New Delhi: The Government of India has approved an 8.25 percent interest rate on Employees' Provident Fund (EPF) deposits for FY26. The interest amount is expected to be credited to the accounts of more than seven crore Employees' Provident Fund Organisation (EPFO) subscribers later this month.The approval comes after the Finance Ministry gave its concurrence to the rate recommended by the Employees' Provident Fund Organisation (EPFO).EPF Interest Rate Kept At 8.25% For FY26, Subscribers Await Credit As EPFO Rolls Out Digital Upgrade PlansInterest Rate Unchanged for Third YearThe Central Board of Trustees (CBT), the highest decision-making body of EPFO, approved the 8.25 percent interest rate during its meeting on March 2, 2026.The meeting was chaired by Union Labour Minister Mansukh Mandaviya.With this decision, EPFO has maintained the same interest rate for the third consecutive financial year, providing stability to the retirement savings of millions of workers.EPFO Keeps 8.25% Interest Rate For 2025-26, Over 7 Crore Subscribers To Benefit For Second Straight YearInterest Credit Likely This MonthAfter the CBT decision, the proposal was sent to the Finance Ministry for approval, as the Government of India acts as the guarantor of EPF deposits.Following the ministry's clearance, EPFO is expected to begin crediting the interest amount to subscribers' accounts this month.Officials said a new digital ecosystem developed by EPFO will help ensure faster and smoother credit of interest into members' accounts. EPF Interest Rate To 10%? Govt Says No Formal Proposal, Current Rate At 8.25% And Based On Fund IncomeEPF Rates Have Improved Since FY23EPFO retained the 8.25 percent interest rate for FY25.In FY24, the retirement fund body raised the rate to 8.25 percent from 8.15 percent offered in FY23.Earlier, EPFO reduced the rate to 8.10 percent for FY22, the lowest level in more than four decades.The rate stood at 8.5 percent in FY21 and FY20, while subscribers earned 8.65 percent in FY19 and 8.8 percent in FY16. EPFO 3.0 Updates PF Rules, Employees Can Withdraw Partially More Easily, Details InsideRelief for Salaried EmployeesThe decision is expected to benefit crore of salaried employees who rely on EPF as a key retirement savings tool.The timely credit of interest will also improve transparency and provide greater convenience to subscribers tracking the growth of their retirement corpus.