New Delhi, July 2: The Central Government has officially notified an interest rate of 8.25% on Employees’ Provident Fund (EPF) deposits for the financial year 2025–26, providing a significant boost to the retirement savings of more than 70 million subscribers of the Employees’ Provident Fund Organisation (EPFO). The notification follows the recommendation of the EPFO’s Central Board of Trustees and enables the organisation to begin crediting interest to members’ provident fund accounts.
The move is expected to benefit salaried employees across both the public and private sectors by ensuring competitive returns on long-term retirement savings.
Interest to Be Credited to EPF Accounts
Following the government’s notification, EPFO will initiate the process of crediting the 8.25% annual interest to subscribers’ accounts for FY 2025–26.
The interest amount will be reflected in members’ EPF passbooks after the crediting process is completed. Subscribers can check their updated balances through the EPFO portal, UMANG app, or by using SMS and missed-call services linked to their Universal Account Number (UAN).
Benefit for Millions of Salaried Employees
The notified interest rate will benefit over 70 million EPFO members, including employees from private companies, public sector undertakings, and various government organisations covered under the EPF scheme.
Financial experts note that the EPF continues to remain one of India’s most trusted long-term retirement savings instruments due to its stable returns and government-backed framework.
Strengthening Social Security
The Employees’ Provident Fund serves as a key component of India’s social security system by helping employees build retirement savings throughout their working years.
Apart from retirement benefits, EPF members may also avail themselves of partial withdrawals under specified conditions, including medical emergencies, higher education, home purchase, marriage, and other eligible requirements as prescribed under EPFO rules.
EPFO Encourages Digital Services
The organisation has advised subscribers to ensure that their Universal Account Number (UAN) is activated and linked with Aadhaar, PAN, and bank account details to facilitate seamless access to online services.
Members can use EPFO’s digital platforms to view passbooks, submit claims, update KYC information, and track applications without visiting EPFO offices.
Continued Focus on Retirement Security
The notification of the 8.25% interest rate reflects the government’s continued emphasis on strengthening retirement security for India’s organised workforce.
Officials stated that EPFO will continue improving digital services, simplifying claim processing, and enhancing transparency to provide better service to subscribers across the country.
Source: Employees’ Provident Fund Organisation (EPFO), Ministry of Labour & Employment
Original Report:
https://www.epfindia.gov.in/
https://labour.gov.in/
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