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Government Finalizes 8.25% Interest Rate for EPF Deposits in FY25

The Union Government ratifies the recommendation, ensuring stable returns for over 7 crore subscribers' retirement savings.

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Now the interest amount as per the rate ratified for FY25 will be credited into the accounts of over seven crore subscribers of EPFO.
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EPF Balance | Image: X

Overview

  • The Employees' Provident Fund Organisation (EPFO) will credit an 8.25% interest rate to over 7 crore subscriber accounts for FY25.
  • The decision was finalized after the Ministry of Finance concurred with the EPFO Central Board of Trustees' February recommendation.
  • This marks the second consecutive year the interest rate has been maintained at 8.25%, reflecting a focus on predictable and stable returns.
  • EPF interest rates have seen fluctuations over the past decade, with a low of 8.1% in FY22 and marginal increases in subsequent years.
  • Compared to other fixed-income instruments, EPF continues to offer relatively high, tax-efficient returns, boosting post-retirement savings.