EPFO Notified Interest Rate on PF Deposits for FY 2025-26

The Employees’ Provident Fund Organisation (EPFO) will continue to pay 8.25% annual interest on Employees’ Provident Fund (EPF) deposits for the financial year 2025-26, with the Central Government approving the rate.

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In a circular issued on July 1, 2026, EPFO informed its regional offices that the Ministry of Labour and Employment has approved the 8.25% interest rate for FY 2025-26. The organisation has directed all field offices to begin crediting the approved interest to eligible members’ PF accounts.

The interest rate remains unchanged from the previous financial year, providing continuity for over seven crore EPF subscribers across the country.

Also Read: New EPF Scheme 2026 Comes into Force: Key Changes Explained

The approval comes shortly after the notification of the EPF Scheme, 2026, which replaced the EPF Scheme, 1952 under the Code on Social Security, 2020. While the new scheme introduces changes such as simplified withdrawal rules, faster claim processing and mandatory digital KYC, it does not change the annual interest rate on EPF deposits.

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EPFO said the interest will be credited in accordance with the provisions of the EPF Scheme. Members are not required to submit any separate application to receive the interest, as it will be credited automatically to eligible accounts.

The EPF interest rate is decided every year by the EPFO’s Central Board of Trustees and requires approval from the Central Government before it is implemented.

Key Highlights

• EPF interest rate retained at 8.25% for FY 2025-26.
• The Central Government has approved the interest rate.
• EPFO issued the implementation circular on July 1, 2026.
• Regional offices have been directed to credit the interest to eligible PF accounts.
• The new EPF Scheme, 2026 does not change the interest rate on EPF deposits.

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