Government Keeps GPF Interest Rates for Oct–Dec 2025 Steady at 7.1%

The Ministry of Finance has announced the interest rate for the General Provident Fund (GPF) for the October–December 2025 quarter. Government employees contributing to GPF, Contributory Provident Fund (CPF), All India Services Provident Fund, and similar funds will earn interest at 7.1%, the same as the previous quarter.

According to the Department of Economic Affairs (DEA), this rate applies from October 1 to December 31, 2025, and will remain in force throughout this period.

Which Funds Are Covered?

 The following government funds will carry the 7.1% interest rate:

1. General Provident Fund (Central Services)
2. Contributory Provident Fund (India)
3. All India Services Provident Fund
4. State Railway Provident Fund
5. General Provident Fund (Defence Services)
6. Indian Ordnance Department Provident Fund
7. Indian Ordnance Factories Workmen's Provident Fund
8. Indian Naval Dockyard Workmen's Provident Fund
9. Defence Services Officers Provident Fund
10. Armed Forces Personnel Provident Fund

This ensures that all government employees contributing to these funds earn consistent returns on their savings.

What Is the General Provident Fund?

The GPF is a retirement savings scheme available exclusively to government employees in India. Employees contribute a part of their salary to the fund, and the accumulated money, along with interest, is paid out when they retire. The Finance Minister reviews and announces the interest rate every quarter, ensuring that employees know how much their savings will grow.

EPF and Small Savings Rates

For comparison, the current Employee Provident Fund (EPF) interest rate stands at 8.25%, last revised in 2024–25.

Meanwhile, the government has kept interest rates on small savings schemes unchanged for the October–December quarter. These include popular options such as:

• Public Provident Fund (PPF)
• Sukanya Samriddhi Account
• Senior Citizen Savings Scheme
• National Savings Certificate (NSC)

Read more: EPFO Plans to Set New Benchmarks for EPF, EPS, and EDLI Returns.

Conclusion

For government employees, the GPF continues to offer a stable and reliable way to grow savings with an interest rate of 7.1% this quarter. While small savings schemes remain steady, investors can continue to plan their finances knowing that government-backed funds provide a safe and predictable return.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/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.