PF will continue to get 8.25% interest: No change in rates for 2025-26; Money will come into accounts between June and September

For the financial year 2025-26 also, interest on PF will continue to be at the rate of 8.25%. The government has not increased or cut interest rates. This decision of the Central Board of Trustees will now be approved by the Finance Ministry, after which the money will be credited to the accounts of the employees. Interest money will come to the account between June to September. Generally, the interest amount is deposited in the accounts a few months after the announcement of CBT. If we look at the past records, this money is credited every year between June and September. For example, interest for FY 2024-25 was credited to the accounts in July 2025. However, there is no fixed date for this, so subscribers should keep checking their balance from time to time. There will be no loss of interest even if there is a delay. Subscribers often worry that if there is a delay in crediting the interest, will they suffer loss? EPFO has clarified that there is no financial loss to the members due to delay in interest credit. According to the rules changed in November 2024, now full interest is given till the date of settlement, whereas earlier interest was given only till the last month. Check your balance with ‘Passbook Lite’ EPFO ​​has launched ‘Passbook Lite’ feature to simplify the process of balance checking: Interest rates in the last 5 years Started with 3% interest in 1952 In 1952, the interest rate on PF was only 3%. After this it kept increasing. In 1972 it reached 6% and in 1984 it reached above 10% for the first time. PF holders used to get 12% interest during 1989 to 1999. After this the interest rate started falling. After 1999 the interest rate never got close to 10%. Since 2001 it has remained below 9.50%. It has been 8.5% or less for the last seven years. The interest rate is decided at the end of the financial year. The first meeting to decide the interest rate in PF is held by the Finance Investment and Audit Committee. It gives account of the money deposited in this financial year. After this the CBT meeting takes place. After the decision of CBT, the Finance Ministry implements the agreed interest rate. The decision on interest rate is taken at the end of the financial year.



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