Question: I am an employee at a private company. My employer deducts EPF from my salary. What is the interest rate I get on my EPF balance?
Answer: For FY 2025-26, the EPF interest rate is 8.25% per annum, as recommended by the Central Board of Trustees (CBT) and processed for credit by EPFO after Government of India / Ministry of Finance notification. The rate is set annually and is not locked for the life of the account, so earlier years may carry different rates (recently often in the 8.0%–8.5% range). Interest is applied to the monthly running balance and credited at financial year-end. Confirm against the latest EPFO / MoF notification for the contribution year in question.

Supporting evidence:
title: pib.gov.in/PressReleasePage.aspx
quote: After due deliberations, CBT recommended 8.25 % annual rate of interest to be credited on EPF accumulations in members’ accounts for the financial year 2025-26. The interest rate would be officially notified by the Government of India, following which EPFO would credit the rate of interest into the subscribers’ account EPFO has been able to declare an interest rate of above 8% for the past several years owing to good returns given by ETF and other investments
context: for Labour & Employment and Youth Affairs & Sports, Dr. Mansukh Mandaviya chaired the 239th meeting of Central Board of Trustees (CBT), Employees’ Provident Fund (EPF) in New Delhi today. The Vice-Chairman Sushri Shobha Karandlaje, Minister of State for Labour & Employment and
Micro, Small & Medium Enterprises
, Co-Vice-Chairperson Ms. Vandana Gurnani, Secretary, Labour & Employment and Member Secretary Shri Ramesh Krishnamurthi, Central Provident Fund Commissioner were also present during the meeting.
After due deliberations, CBT recommended 8.25 % annual rate of interest to be credited on EPF accumulations in members’ accounts for the financial year 2025-26. The interest rate would be officially notified by the Government of India, following which EPFO would credit the rate of interest into the subscribers’ account.
Despite global uncertainties, EPFO has maintained strong financial discipline, ensuring stable and competitive returns without straining the interest account. The decision benefits crores of workers by strengthening their retirement security, while reaffirming EPFO’s commitment to safeguarding contributions and delivering prudent, sustainable, and attractive returns compared to other similar investment avenues.

EPFO has been able to declare an interest rate of above 8% for the past several years owing to good returns given by ETF and other investments. The decision reflects the strong credit profile of EPFO’s investment portfolio and its sustained ability to deliver competitive returns to its members.
Further, continuing the reforms in EPFO, under the chairmanship of Dr. Mandaviya, following agenda items were placed before the Board for discussion & approval:-
Amnesty Scheme for Exempted Establishments:
The Board approved a one-time Amnesty Scheme to address compliance issues arising from income tax–recognized trusts that are yet to be covered or granted exemption under the EPF & MP Act, 1952, duly taking into account the provisions of the Finance Act, 2026. The proposed scheme seeks to bring establishments and trusts into compliance within a defined six-month period, primarily to protect workers’ interests while waiving damages, interest and penalties for those that have already provided benefits equal to or better than the statutory scheme. It allows retrospective relaxation or exemption subject to specified conditions and ensures that all eligible employees receive statutory benefits. The measure is expected to resolve over 100 active li