EPF Rate Stays 8.25%: What Your PF Earns in FY26
EPFO has kept the EPF interest rate unchanged at 8.25% for FY 2025-26. Over 7 crore salaried workers will get this interest credited soon. It beats bank FDs and savings accounts, but the rate has not grown in three years.
At 8.25%, ₹5 lakh in EPF earns ₹41,250/year — more than most savings accounts pay
Your EPF savings earn the same rate — no raise, no cut
Key Takeaways
Check your EPF balance on the Umang app or epfindia.gov.in after the credit is posted to confirm the interest has been added correctly.
Compare your EPF return (8.25%) against your current FD or RD rates — if EPF beats them, maximize voluntary PF contributions through VPF.
Verify your UAN is active and your Aadhaar-linked bank account is updated so the interest credit and any future withdrawals go through without delays.
EPFO has kept the EPF interest rate unchanged at 8.25% for FY 2025-26. Over 7 crore salaried workers will get this interest credited soon. It beats bank FDs and savings accounts, but the rate has not grown in three years.
Here's what happened: The government approved 8.25% EPF interest rate for FY2025-26 — the same rate as the previous two financial years.. Over 7 crore EPFO members will have this interest credited directly to their EPF accounts in the coming weeks.. Members can verify their updated EPF balance via the Umang app, EPFO e-Sewa portal, missed call to 9966044425, or SMS..
What you should do: Check your EPF balance on the Umang app or epfindia.gov.in after the credit is posted to confirm the interest has been added correctly.. Compare your EPF return (8.25%) against your current FD or RD rates — if EPF beats them, maximize voluntary PF contributions through VPF.. Verify your UAN is active and your Aadhaar-linked bank account is updated so the interest credit and any future withdrawals go through without delays..
Voluntary Provident Fund (VPF) lets you contribute beyond the mandatory 12% — it earns the same 8.25%, is tax-free under Section 80C, and has zero market risk.
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- [1]“EPFO: Has Employees' Provident Fund Organisation changed 8.25% EPF interest rate for FY25-26” Wealth-Economic Times · 18 Jun 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.