EPFO Keeps Provident Fund Interest Rate at 8.25% for 2025-26

The Employees’ Provident Fund Organisation has fixed the interest rate on Employees’ Provident Fund deposits at 8.25% for the financial year 2025-26. The rate remains unchanged from the previous financial year. 

EPFO Retains 8.25% Interest Rate for 2025-26 

On March 2,2026, the decision was taken at the 239th meeting of the Central Board of Trustees, the apex decision making body of the EPFO. The meeting was chaired by Labour and Employment Minister Mansukh Mandaviya. 

This marks the 2nd consecutive year that the EPF interest rate has been maintained at 8.25%. 

Interest Rate Trend Over Recent Years 

In 2024-25, the EPFO retained the 8.25% rate. In 2023-24, the rate was increased to 8.25% from 8.15% in 2022-23. In March 2022, the interest rate was reduced to 8.10% for 2021-22, compared to 8.50% in 2020-21. 

The 8.10% rate in 2021-22 was the lowest since 1977-78, when it stood at 8%. In March 2020, the rate was reduced to 8.50% for 2019-20 from 8.65% in 2018-19. 

Historical EPF Interest Rates 

EPFO offered 8.65% in 2016-17, 8.55% in 2017-18 and 8.80% in 2015-16. The rate was 8.75% in both 2013-14 and 2014-15, while it stood at 8.50% in 2012-13. In 2011-12, the interest rate was 8.25%. 

Read More: EPFO Panel Approves New SOP for Exempted Establishments; CBT Decision Awaited! 

Next Steps Before Credit to Accounts 

The interest rate approved by the Central Board of Trustees will now be sent to the Ministry of Finance for concurrence. After ratification by the government, the rate will be officially notified. 

Once notified, the interest amount will be credited to the accounts of over 7 crore EPFO subscribers. 

Conclusion 

The decision to retain the EPF interest rate at 8.25% for 2025-26 continues the existing rate structure for another year. The final notification will follow government concurrence before crediting the interest to subscriber accounts. 

Disclaimer: This blog has been written exclusively for educational purposes. The securities or companies mentioned are only examples and not recommendations. This does not constitute a personal recommendation or investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.