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EPF interest rate

The EPF interest rate for 2025-26 is 8.25%, unchanged for three years. How it is credited, what it earns on your balance, and the rate history.

Financial year 2025-26Best for: Retirement savings through your salaryChecked 21 October 2026
Current rate8.25%a year · declared once a year, credited to your account
In effect since1 April 2023Previous 8.15% · +0.1%
₹5 lakh EPF balance₹41,250of tax-free interest in a year

Rate history

Every change since 1 April 2020. EPFO's Central Board of Trustees, ratified by the Ministry of Finance, every year.

In effect fromRateChange
1 April 2023Current8.25%+0.1%
1 April 20228.15%+0.05%
1 April 20218.1%−0.4%
1 April 20208.5%–
The rate for 2026-27 is usually recommended by EPFO's board between February and March 2027.

Key facts

Who is covered
Employees of covered establishments; compulsory on wages up to ₹25,000 a month
Contribution
12% of basic pay and DA from you, and the same from your employer
Withdrawals
After 12 months, keeping 25% in the account
Tax
Interest tax-free on your contributions up to ₹2,50,000 a year

Run your numbers

Other rates

All interest rates →

About the EPF rate

How the rate is set

EPFO's Central Board of Trustees recommends the rate each year based on the income from EPFO's investments. The Ministry of Finance then ratifies it, and EPFO credits the interest to members' accounts.

Rate: 8.25% a year, declared once a year, credited to your account.

Open the EPF calculatorEPF corpus at retirement. Uses the current rate by default.Open the calculator

Frequently asked questions

What is the current EPF interest rate?

8.25% (Financial year 2025-26). It has applied since 1 April 2023.

When will the EPF rate change next?

The rate for 2026-27 is usually recommended by EPFO's board between February and March 2027.

What was the previous EPF rate?

8.15%, from 1 April 2022 until 1 April 2023.

Does a rate change apply to my existing EPF?

Yes. The new rate applies to your whole balance from the date it takes effect.

Sources