Jul 08, 2026, 11:15:01 AM IST

The government has notified the Employees' Provident Funds Scheme, 2026 under the Code on Social Security, 2020, replacing the EPF Scheme, 1952. However, the new scheme has not raised the EPF interest rate. EPFO has confirmed that members will continue to earn 8.25% interest for FY 2025-26.

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The EPF Scheme, 2026, formally incorporates several digital services already offered by EPFO. These include online filing of returns, electronic maintenance of records, digital member accounts, online claim submission, electronic annual statements and digital inspections.

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Under the new scheme, private (exempted) PF trusts cannot declare an interest rate that is more than 200 basis points (2%) above the EPF interest rate notified by the central government. Interest will continue to be credited on the monthly running balance of each member.

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Yes. The EPF Scheme, 2026 empowers the central government to temporarily reduce or defer EPF contributions for up to three months during exceptional situations such as pandemics, epidemics or national disasters. This provision is temporary and does not permanently alter the EPF contribution structure.

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Despite the new legal framework, most provisions relevant to EPF subscribers remain unchanged. This includes the 8.25% EPF interest rate, the existing contribution pattern (except during notified emergencies), and the continuity of members' accounts, balances and accumulated benefits.

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