New Delhi: The central government has approved the interest rates for PF employees for the financial years 2025 and 2026. Since then, everyone has been eagerly awaiting the interest credit. The Central Board of Trustees has declared a total interest rate of 8.25 per cent, the same as last year.
Since then, PF employees have been wondering when their funds will be transferred to their EPF accounts. The EPFO has not yet officially stated the transfer date, despite media reports making similar claims.
Learn about the calculation of interest credit.
The interest rate determined by the Employees’ Provident Fund Organisation does not necessarily mean the funds are transferred. Transferring funds to an account takes some time. There is a set procedure. The Central Bank of India (CBI) first recommended the rate, which has now been approved in its meeting on March 2, 2026. This proposal is then sent to the Ministry of Finance. Only after the Ministry’s final approval does the EPFO initiate the process of transferring funds to member accounts.
Find out when the funds will arrive in the account.s
Reflecting on trends over the past few years, the government has tended to credit funds within a few months of the end of the financial year. Interest is typically credited between June and September. According to previous records, interest for the financial year 2024-25 began accruing in July 2025.
Last year, the process began in August and continued until December. Since this announcement was made in early March, it is expected that the interest amount will reach the accounts of millions of employees by the end of June 2026.
Find out how much the benefit will be
The question arises as to how much PF account holders will receive. If you have a deposit of ₹5 lakh, then at an 8.25% rate, you will receive an interest amount of approximately ₹41,250. This amount will be directly credited to your account, further strengthening your retirement fund.
How to Check Money
To do this, first go to the EPFO portal and log in with your UAN and password.
Then go to the ‘View’ section and click on ‘Passbook Lite’.
Here you can check the status of your previous contributions and interest.
Then, the government is also preparing to automatically settle old and closed accounts with balances less than ₹1,000, so that even junior employees can receive their dues.