Employees could get some good news soon from the Employees’ Provident Fund Organisation (EPFO).
Discussions indicate that the central government may increase PF interest rates for the financial year 2025-26.
This will directly benefit the interest earned on your PF deposits.
Currently, PF account holders are curious about how much interest they will receive this year.
Experts suggest that the government could raise the rate to 8.75%, up from 8.2% in 2024-25, which has already been credited to accounts.
While no official announcement has been made, a final decision may come in January 2026.
How Much Could You Earn?
A higher interest rate will increase your PF balance significantly. For example:
If your PF balance is ₹6 lakh, you could earn around ₹50,000 to ₹52,000 in interest.
If your PF balance is ₹5 lakh, your interest could be up to ₹42,000.
This interest is directly credited to your retirement fund, helping your savings grow faster.
Nearly 80 million PF account holders across India are eagerly waiting for this update.
The proposal is expected to be discussed in the EPFO Central Board of Trustees (CBT) meeting, after which the rate will be officially approved.
How to Check Your PF Balance
You can easily check your PF balance using your registered mobile number:
Missed Call: Give a missed call to 9966044425. You will receive your balance and last contribution details via SMS.
SMS Method: Send a message to 7738299899 with the text “EPFOHO UAN” in English.
You can receive the details in your preferred language, such as Hindi, Tamil, Telugu, and more.
This simple process ensures you always know your PF balance and recent contributions.