PF Interest Rate 2026-27: The EPFO ​​is expected to maintain the interest rate on provident fund deposits at 8.25% for FY2025-26. However, stable returns may be difficult to achieve in the coming years.

How much interest will you get on provident fund deposits this year?

PF Interest Rate: Suspense remains among the millions of subscribers of the Employees' Provident Fund Organization (EPFO) regarding this year's PF interest rate (FY2025-26). The big question on people's minds is whether the government will increase the interest rate on provident fund deposits this year or keep it at 8.25%, the same as last year.

It is expected that the interest rate on provident fund deposits will remain unchanged at 8.25% for the third consecutive year. A decision on this is expected at the EPFO ​​Central Board of Trustees meeting on March 2. If approved, it will be a welcome development for EPFO ​​subscribers, as the stable return on provident fund deposits is directly linked to employees' retirement savings. 

How much corpus does EPFO ​​currently have?

The meeting, scheduled for early March, will discuss not only interest rates but also a number of other issues. Sources say that this year, reforms may be implemented to make PF transactions faster and easier for subscribers. Sources have stated that this fiscal year, the EPFO ​​​​will have enough surplus from its investments to maintain the current interest rate of 8.25 percent.

However, maintaining such returns may be difficult in the future. Therefore, the EPFO ​​will have to consider new investment methods. The EPFO ​​currently manages approximately ₹25-26 lakh crore in funds. A significant portion of this money—approximately 41%—is invested in state development loans, 16% in central government securities, 15.9% in corporate bonds, and approximately 9.5% in exchange-traded funds. 

The meeting was also held on February 16.

Currently, all attention is on the next meeting of the Central Board of Trustees (CBT), the EPFO's highest decision-making body. The CBT is chaired by Labor and Employment Minister Mansukh Mandaviya. Prior to its meeting on March 2, the 116th meeting of the CBT's Executive Committee was held in New Delhi on February 16 under the chairmanship of Vandana Gurnani, Secretary, Ministry of Labor and Employment. The committee reviewed the progress of schemes run by the EPFO ​​and discussed steps to strengthen social security delivery.