EPF Interest Calculator
Project what your PF balance earns using the monthly running balance method. Adjust any value — nothing is fixed.
Total contributions
₹2,16,000
Interest earned
₹1,21,297
Projected balance
₹4,87,297
| Year | Opening | Contributions | Interest | Closing |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹43,200 | ₹14,009 | ₹2,07,209 |
| Year 2 | ₹2,07,209 | ₹43,200 | ₹18,728 | ₹2,69,137 |
| Year 3 | ₹2,69,137 | ₹43,200 | ₹23,837 | ₹3,36,174 |
| Year 4 | ₹3,36,174 | ₹43,200 | ₹29,368 | ₹4,08,742 |
| Year 5 | ₹4,08,742 | ₹43,200 | ₹35,355 | ₹4,87,297 |
How this is calculated
Interest for each month is calculated on the balance before that month’s contribution. Contributions are assumed credited at month end and earn interest from the following month. The annual total is rounded to the nearest rupee and credited at year end. This assumes uninterrupted monthly contributions.
This is an illustrative projection, not a promise of the rate EPFO will declare or of what your passbook will show. The rate can change each financial year, and actual credit dates and account entries affect the result.
EPF Interest Rate 2026–27: Latest Official Status
Updated 16 October 2026. The Central Board of Trustees recommended 8.25% for FY 2025–26 at its 2 March 2026 meeting. The Ministry's release says the rate would be formally notified by the Government; I did not locate that notification in official sources checked on this date. Treat 8.25% as the Board's recommendation, not a formally notified rate. I also did not find an FY 2026–27 rate announcement.
The figures below are declared historical rates except where a row says otherwise; they are not a promise of future returns. For the official historical table, see EPFO's interest-rate history and the Ministry's 2 March 2026 release, which records the 8.25% recommendation and says Government notification would follow.
EPF Interest Rate History (1952–2026)
| Financial year | Rate / status |
|---|---|
| 1952–53 | 3.00% |
| 1953–54 | 3.00% |
| 1954–55 | 3.00% |
| 1955–56 | 3.50% |
| 1956–57 | 3.50% |
| 1957–58 | 3.75% |
| 1958–59 | 3.75% |
| 1959–60 | 3.75% |
| 1960–61 | 3.75% |
| 1961–62 | 3.75% |
| 1962–63 | 3.75% |
| 1963–64 | 4.00% |
| 1964–65 | 4.25% |
| 1965–66 | 4.50% |
| 1966–67 | 4.75% |
| 1967–68 | 5.00% |
| 1968–69 | 5.25% |
| 1969–70 | 5.50% |
| 1970–71 | 5.70% |
| 1971–72 | 5.80% |
| 1972–73 | 6.00% |
| 1973–74 | 6.00% |
| 1974–75 | 6.50% |
| 1975–76 | 7.00% |
| 1976–77 | 7.50% |
| 1977–78 | 8.00% |
| 1978–79 | 8.25% plus a conditional 0.50% bonus* |
| 1979–80 | 8.25% |
| 1980–81 | 8.25% |
| 1981–82 | 8.50% |
| 1982–83 | 8.75% |
| 1983–84 | 9.15% |
| 1984–85 | 9.90% |
| 1985–86 | 10.15% |
| 1986–87 | 11.00% |
| 1987–88 | 11.50% |
| 1988–89 | 11.80% |
| 1989–90 | 12.00% |
| 1990–91 | 12.00% |
| 1991–92 | 12.00% |
| 1992–93 | 12.00% |
| 1993–94 | 12.00% |
| 1994–95 | 12.00% |
| 1995–96 | 12.00% |
| 1996–97 | 12.00% |
| 1997–98 | 12.00% |
| 1998–99 | 12.00% |
| 1999–2000 | 12.00% |
| 2000–01 | 12.00% (April–June); 11.00% (July–March) |
| 2001–02 | 9.50% |
| 2002–03 | 9.50% |
| 2003–04 | 9.50% |
| 2004–05 | 9.50% total, including a 0.50% Golden Jubilee bonus** |
| 2005–06 | 8.50% |
| 2006–07 | 8.50% |
| 2007–08 | 8.50% |
| 2008–09 | 8.50% |
| 2009–10 | 8.50% |
| 2010–11 | 9.50% |
| 2011–12 | 8.25% |
| 2012–13 | 8.50% |
| 2013–14 | 8.75% |
| 2014–15 | 8.75% |
| 2015–16 | 8.80% |
| 2016–17 | 8.65% |
| 2017–18 | 8.55% |
| 2018–19 | 8.65% |
| 2019–20 | 8.50% |
| 2020–21 | 8.50% |
| 2021–22 | 8.10% |
| 2022–23 | 8.15% |
| 2023–24 | 8.25% |
| 2024–25 | 8.25% |
| 2025–26 | 8.25% recommended by CBT; Government notification not located by 16 October 2026 |
*The EPFO historical table records an extra 0.50% bonus for members who made no withdrawal during FY 1976–77 and FY 1977–78. **For FY 2004–05, the official table records 9.00% interest plus a 0.50% Golden Jubilee bonus. Historical source: EPFO.
Because the FY 2025–26 figure was a recommendation rather than a rate notification in the sources checked, it is excluded from the historical declared-rate averages.
How EPF Interest Is Calculated
Paragraph 60 of the Employees’ Provident Funds Scheme describes annual interest calculated on monthly running balances. In simplified terms, the opening balance earns interest for the year, while money credited during the year earns interest from the first day of the month after it is credited. The total annual interest is rounded to the nearest rupee and credited at year end. Your passbook may display the annual entry later than the financial year it relates to.
Illustration: If ₹5,000 is credited to the account in April, that contribution earns interest from May through March for that financial year. A contribution credited in March begins earning interest in the next financial year. The exact month depends on when the amount is recorded as credited to the member’s account, not simply the wage month shown on a payslip. See paragraph 60 of the EPF Scheme and use the EPF calculator for an illustrative projection.
EPF contributions are not all the same: the employee share and the employer’s EPF share form the interest-earning EPF balance; the employer’s EPS pension contribution is not part of that balance. The calculator assumes end-of-month contributions and repeats the rate you enter for each projected year. Actual credits depend on your passbook entries and the rate declared for each financial year.
Will the EPF Interest Rate Change in FY 2026–27?
No official FY 2026–27 rate was identified in the EPFO and Ministry of Labour sources checked on 16 October 2026. For FY 2025–26, the CBT recommended 8.25%, but the Government notification was not located. Check the EPFO website or Ministry releases for a later decision.
Frequently Asked Questions
What rate was recommended for FY 2025–26?
The CBT recommended 8.25% on 2 March 2026. The official sources checked on 16 October 2026 did not include the Government notification required to formally notify that rate.
Has the FY 2026–27 EPF rate been announced?
No official announcement was found in the sources checked on 16 October 2026. This status can change when the Government publishes a decision.
Is EPF interest calculated monthly or annually?
It is calculated from monthly running balances, then credited as an annual amount. Annual interest is rounded to the nearest rupee under paragraph 60.
When does a contribution start earning EPF interest?
Interest on an amount credited during the year starts from the first day of the following month. Use the account credit month shown in EPFO records.
Does the EPS contribution earn EPF interest?
No. The employer’s EPS pension contribution is not credited to the member’s interest-earning EPF balance.
Related EPF Guides
For EPF registration and compliance support in Kerala, see our EPF services or contact GHR Consultancy.