What is the EPF interest rate for FY 2025–26?

The EPF interest rate for FY 2025–26 is 8.25% per annum. This rate was announced by the EPFO Central Board of Trustees and approved by the Ministry of Finance. It applies to all eligible EPF contributions made between 1 April 2025 and 31 March 2026. This is the same rate as FY 2024–25 and FY 2023–24.

When is EPF interest credited to my account?

EPF interest is calculated monthly on your closing balance but credited annually typically between July and September after the financial year ends on 31 March. If your passbook hasn't updated by October, this is normal. You are not losing interest; it simply takes time to process.

Does EPF interest stop if I don't contribute for 3 years?

No, this is a myth. As per official EPFO clarifications (March 2016 and July 2017), EPF interest continues to accrue until you reach 58 years of age, irrespective of whether contributions are being made. Your account only becomes inoperative when you turn 58. Do not withdraw your EPF early based on this misconception.But its is true for NRI and International Worker

How do I calculate EPF interest on my balance?

Use this formula: Monthly Interest = Monthly Closing Balance × (8.25% ÷ 12) = Closing Balance × 0.006875. Add all 12 monthly interest figures to get your annual interest. For example, if your average monthly closing balance is ₹3,00,000, your approximate annual interest would be ₹3,00,000 × 8.25% = ₹24,750.

Is EPF interest taxable?

For most employees, EPF interest is tax-free. Interest earned on annual contributions up to ₹2.5 lakh is not taxable. If your total EPF contributions exceed ₹2.5 lakh in a year (common for very high earners or those making voluntary PF contributions), the interest on the excess is taxable as per your income slab. This rule has been in effect since FY 2021–22.

What happens to EPF interest after leaving a job?

When you leave a job, your EPF account balance continues to earn interest but note this interest is taxed until you withdraw or transfer. You should ideally transfer the balance to your new employer's PF account via your UAN to maintain continuity. Avoid withdrawing it prematurely doing so before 5 years attracts taxes and forfeits years of compounding returns.

EPFO Interest Rates 2025–26: All You Need to Know About Your EPF Interest & Taxation

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EPFO Interest Rates 2025–26 — All You Need to Know About Your EPF Interest