EPFO has retained the EPF interest rate at 8.25% for FY 2025-26. When will the interest be credited to members' PF accounts?

ANSWERED
Asked by Imran Khan on

Hi HR Professionals,

I came across the recent notification that the EPFO has retained the EPF interest rate at 8.25% for the financial year 2025-26.

Many employees in our organization are asking the following questions:

  • Has the interest rate been officially approved?
  • When will the interest actually reflect in their EPF passbook?
  • If the credit is delayed, will employees lose any interest?
  • Is there any action required from the employer or employee?

It would be helpful if someone could explain how the EPFO interest credit process works in practice.

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#Epfo #Epf #Interest Rate #Pf Interest #Uan

1 Answer

Yes, the interest rate of 8.25% for FY 2025-26 has been approved for EPF members. Once the government ratifies the recommendation of the EPFO's Central Board of Trustees, EPFO starts the process of crediting interest to members' accounts.

Employees don't need to submit any application. Interest is calculated on the monthly running balance but is credited annually after EPFO completes its accounting process.

Even if the credit appears later in the passbook, members do not lose interest. The interest is credited retrospectively for the applicable financial year. 

Answered by Arjun Mehta •

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