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- EPF Interest Rate 8.25% Approved | 7 Crore Members Accounts To Get Funds This Month
New Delhi11 minutes ago
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This time too, interest at the rate of 8.25% will be given on the money deposited in the PF accounts of more than 7 crore employed people of the country. The Central Government has approved this interest rate for the financial year 2025-26 today on June 18.
The special thing is that this interest money will come to your account this month itself. EPFO i.e. Employees Provident Fund Organization has not made any change in the interest rates for the third consecutive year, due to which the working class will continue to get the same benefits on their savings as before.
Consider all the aspects related to this decision as questions and answers…
Question 1: What major decision has the government taken regarding EPFO interest rates?
answer: The Central Government has given final approval to the interest rate of 8.25% on the Employee Provident Fund for the financial year 2025-26. According to PTI, the Finance Ministry has approved this decision of EPFO.
Question 2: When will the interest money be credited to the accounts of PF account holders?
answer: According to sources, on the instructions of the Labor Ministry, EPFO will start crediting interest money at the rate of 8.25% in the accounts of all customers within this month (June 2026).
Question 3: How many people of the country will this decision have a direct impact on?
answer: This decision of the government will directly benefit more than 7 crore members of the country, who deposit a part of their salary in EPF.
Question 4: Will there be any change in the transfer of interest money this time?
answer: Yes, this time under a new ecosystem (technical system) developed by EPFO, as soon as the process starts, the interest amount will be immediately credited to the account of the account holders. With this, members will not have to wait long.
Question 5: When and who decided this 8.25% interest rate of EPF?
answer: Earlier on March 2, 2026, a meeting of the Central Board of Trustees (CBT), the top decision-making body of the Employees Provident Fund Organization (EPFO), was held under the chairmanship of Union Labor Minister Mansukh Mandaviya. In the same meeting, 8.25% interest rate was fixed for the financial year 2025-26, which was later sent to the Finance Ministry for final approval, because the Central Government is the guarantor of EPF.
Question 6: What has been the trend of EPF interest rates in the last few years?
answer: EPFO has maintained the interest rate at 8.25% for the third consecutive year. In March 2022, the interest rate was reduced to a four-decade low of 8.10%, which was 8.5% in the previous year (2020-21). The interest rate was marginally increased to 8.25% in 2023-24 from 8.15% in 2022-23. At the same time, in February last year also, EPFO had maintained the interest rate at 8.25% for 2024-25.
Question 7: When was the lowest interest rate in the history of EPF?
answer: The interest rate of 8.10% given in the financial year 2021-22 was the lowest since 1977-78. In the year 1977-78, the interest rate on EPF used to be 8%. After this, during the Corona period in March 2020, the rate for 2019-20 was reduced from 8.65% to 8.5%.
Question 8: What is the maximum interest received on EPF in the last decade?
answer: If we look at the last 10 years, in the financial year 2015-16, a high interest of 8.8% was given on PF. Apart from this, in 2013-14 and 2014-15 this rate was 8.75%. Whereas in 2016-17, interest was given to customers at the rate of 8.65% and in 2017-18, interest was given at the rate of 8.55%. In the year 2011-12 also the interest rate was 8.25% just like today.
You can withdraw PF through UPI-ATM
EPFO is soon going to start the facility of withdrawing funds through ATM and UPI. Under the EPFO 3.0 initiative, 7.8 crore subscribers will be able to get funds instantly without any paperwork.
After the implementation of this system, all the processes related to PF will become user friendly. This includes features like auto-claim settlement and direct fund transfer to the bank account of the employee’s choice. EPFO 2.0 already had some improvements, but 3.0 is being considered a game-changer.
Claim Settlement: Now claims up to ₹5 lakh will be settled automatically. With this, the time to receive money will reduce from 10-20 days to 2 to 5 days.
Paperless Process: No need to upload photo of check or passbook for Aadhaar-verified accounts. The entire process will be digital.
Category Reduction: The old 13 complex categories for withdrawing money will be abolished and only 3 easy groups will be created.
- Necessary: For illness, marriage and studies.
- Accommodation: To buy a house or repay a loan.
- Special circumstances: At the time of unemployment or retirement.
fund transfer: Will be able to withdraw funds through ATM and UPI.
Account Transfer: On changing job, PF balance will be automatically transferred from the old employer to the new employer’s account. There will be no need to visit the company.
Dependence of employer ends: Now you will not have to wait for the company’s approval to update KYC or make a claim.
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