EPFO: Has Employees' Provident Fund Organisation changed 8.25% EPF interest rate for FY25-26

The government has approved an 8.25% interest rate on Employees' Provident Fund (EPF) deposits for FY2025-26, keeping the rate unchanged for the third consecutive year. This rate is expected to be credited to more than seven crore contributing members this month, according to a report from the Press Trust of India (PTI).

On March 2, 2026, the Central Board of Trustees (CBT) had also announced an interest rate of 8.25% for the 2025–2026 fiscal year. However, the EPF interest rate becomes effective when the government approves it. This is the third year in a row that the EPF interest rate has remained unchanged at 8.25%.

Has EPFO changed EPF interest rate from 8.25% for FY26?

No, the government has not changed the EPF interest rate from 8.25% for FY26. The interest rate remains the same for three years.


Here's a look at the current EPF interest rate, past trends, and how you can check whether the interest has been credited to your EPF account.

EPF interest rate of previous 10 years

Financial Year	Rate of Interest per Annum
2025-2026	8.25%
2024-2025	8.25%
2023-2024	8.15%
2022-2023	8.15%
2021-2022	8.10%
2020-2021	8.50%
2019-2020	8.50%
2018-2019	8.65%
2017-2018	8.55%
2016-2017	8.65%

How to check if EPF is credited to your account?

Accessing your quick account summary through Passbook Lite can be done in a few simple steps:
Step 1: Go to the official EPFO Member Passbook portal and sign in using your 12-digit UAN, password, and the security captcha
Step 2: Enter the OTP sent to your Aadhaar-registered mobile number to proceed
Step 3: Click on the View option located in the top-left corner
From the drop-down menu, select Passbook Lite to view your lightning-fast summary of recent contributions and withdrawals.

Will you lose the interest amount if the EPF interest credit is delayed?

According to paragraph 60 of the EPF Scheme of 1952, interest is computed on the monthly running balance even if it is credited at the end of the fiscal year. As a result, the member does not suffer in the event of any delay in crediting interest to their EPF account.
The EPFO calculates interest based on the monthly running balance, ensuring every contribution earns the full declared rate. Interest is compounded annually, so even if crediting happens late, the full amount is added to your closing balance for the year.
The EPFO on multiple occasions has responded to several such queries saying that there would be no interest loss and that interest would be accrued and paid in full.

How to check if your EPF interest has been credited to your account

Whenever EPFO credits interest, it will appear in your EPF balance. So, for that, you need to check your EPF balance. Here’s how you can do it through four ways-
a) By using the Umang app
b) By visiting EPF member e-sewa portal
c) By giving a missed call
d) By sending SMS