EPF Interest Rate 2025-26: How much money will increase in your PF account and how interest is calculated

By Samira Vishwas On Mar 12, 2026

central government financial year 2025-26 The interest rate on Employees Provident Fund (EPF) has been announced for Rs. interest rate this year also 8.25 percent Same has been kept, which is equal to the previous financial year. This decision affects crores of salaried employees in the country, who depend on PF savings for their retirement planning.

this decision Employees Provident Fund Organization (EPFO) Approved in the meeting of the Central Board of Trustees. For employees who make regular contributions to PF, the interest received on this scheme plays an important role in strengthening their long-term savings. With interest rates remaining stable, employees will continue to expect stable returns on their savings.

Why is PF interest important for employees?

Employees Provident Fund is one of the safest and popular long-term savings schemes for salaried people in India. Under this scheme, every month a part of the employee’s salary is deposited in the PF account. Along with this, the employer also makes equal contribution.

This amount keeps increasing with time and the interest earned on it makes the total fund bigger. Since the main objective of the PF scheme is to provide financial security for retirement, the interest rate plays a big role in it.

Even a small increase or decrease in the interest rate can have a big impact on the total funds accumulated in the long run. In such 8.25 percent Maintaining the rate of Rs. 500 crore is being considered as a relief news for the employees, as it gives better returns compared to many other safe investment options.

How interest is added on PF account

Many employees have a question in their mind that how interest is added to their PF account. Although the interest amount is deposited in the account once a year, it is calculated every month Is performed.

Every month, interest is calculated on the basis of the total balance in the PF account. It includes:

amount already in the account
New contributions made by the employee and employer in the same month

Interest is calculated every month throughout the year and at the end of the financial year the total interest amount is deposited in the account together.

Since interest is earned on the already existing amount and also on the interest already received, hence it compounding effect Generates, due to which the PF fund grows faster in the long run.

Understand calculation of PF interest with example

Suppose an employee’s PF account has approximately 3 lakh rupees are deposited. If the interest rate 8.25 percent So in about a year 24,000 to 25,000 rupees Interest up to Rs can be added to the account.

However, the actual interest amount depends on several factors, such as:

Monthly contributions made throughout the year
Balance maintained in account
Change in salary or job

Still, this example shows that the interest earned on PF can significantly increase the total savings in the long run. With consistent contributions and compounding over many years, this amount can turn into a strong retirement fund.

How to check your PF account balance

EPFO has made it very easy to check PF balance through digital services. Now employees do not need to go to any office to get information.

1. Information from missed call

employees own UAN registered mobile number From 9966044425 You can get information about PF balance by giving a missed call. Information is available through SMS within no time.

2. Balance through SMS

Employee 7738299899 But you can also know PF balance by sending SMS. For this the message has to be written like this:

EPFOHO UAN ENG

After this message sent from the registered number, the balance information is received in the form of SMS.

3. UMANG App

available for government services UMANG Mobile App PF balance, passbook and claim status can also be seen through.

4. EPFO website

Employees can also see the complete details of their account by logging into the official website of EPFO and going to the passbook section.

To use all these services UAN must be active and linked to the mobile number.

Tracking PF made easier with digital services

Earlier, employees had to go to the EPFO office or depend on the employer to know the PF balance. But now due to digital services this process has become much easier.

Today any employee can check his PF account information sitting at home with the help of smartphone or internet. This has increased transparency and people are able to track their retirement savings better.

financial year 8.25 percent interest rate in 2025-26 The Employee Provident Fund Scheme still remains one of the most reliable and safe savings options for salaried people. Regular contributions and the interest earned every year can provide strong financial security for the future.