EPFO retains interest rate at 8.25% for 2025-26

The Employees’ Provident Fund Organisation (EPFO) retained the interest rate at 8.25% on provident fund deposits for the year 2025-26, for third year in a row.

The move is expected to benefit over seven crore active EPFO subscribers and nearly 30 crore total subscribers. This is one of the highest interest rate offered by any savings scheme.

A decision to this effect was taken at the 239th central board of trustees (CBT) meeting of EPFO held on Monday under the chairmanship of labour and employment minister Mansukh Mandaviya.


CBT is the highest decision making body of the EPFO.

The interest rate, approved by CBT, will now go to finance ministry for ratification after which it will be officially notified by the ministry of labour and employment and subsequently credited into the subscribers’ account by middle of this year.

Thought the volatility in stock market over the year has impacted the return on investments by the retirement fund body, the upcoming state elections have ensured that the government retains the interest rate lat last year's level.