EPFO Latest News : Recently, a message has gone viral on social media and WhatsApp groups claiming that “EPFO will now give 3 times more interest on Provident Fund (PF), and the money will be directly credited to bank accounts – EPFO Latest News 2025”
Sounds exciting, right? But the truth is very different. In this article, let’s break down the difference between EPF and EPS, uncover the reality behind the “3X interest” claim, and explain what pensioners should actually do.
EPF vs EPS – Know the Difference EPFO Latest News
EPF (Employees’ Provident Fund): Both employee and employer contribute every month. The government declares an annual interest rate on this amount.
EPS : A pension scheme linked with Employees’ Pension Scheme. Unlike EPF, no interest is paid here. Employees’ Pension Fund is calculated based on your service period and average salary.
The “3X interest” claim applies only to Employees’ Pension Fund, not EPS — and even then, it’s not accurate.
What Does “3 Times Interest” Really Mean?
- EPFO has not publish any official news about tripling Pension Fund interest. Let’s understand this with an example:
- Suppose your PF balance is ₹3,00,000.
- Current EPF interest rate = around 8% → annual interest = ₹24,000.
- If it really became 3X (24%), you’d earn ₹72,000 in a year.
Clearly, this is unrealistic. There is no such decision to increase the PF interest rate threefold. It’s just a rumor circulating online.
When Does Money Get Credited? – EPFO Latest News
Employees’ Pension Fund Interest: Credited once a year, usually at the end of the financial year. However, updating your passbook may take time.
EPS Pension: Paid monthly and directly credited to your bank account.To avoid delays, ensure your KYC is updated, bank details are correct, and Life Certificate is submitted on time.
Beware of Fake Messages – EPFO Latest News
- Messages like “PF triple interest” are often created to mislead people. Remember:
- Any official announcement will be published only on the EPFO website, UAN portal, or through a gazette notification.
- Never share your OTP, bank details, or personal info based on such forwards.
- 5 Tips to Get Maximum Benefit from EPF & Pension
- Update KYC on UAN Portal – Link Aadhaar, PAN, and bank account correctly.
- Check PF Passbook Regularly – Track contributions and credited interest.
- Monitor Employer’s Contribution – Raise issues with HR in case of delays.
- Understand Tax Rules – Know Section 80C benefits and TDS rules on withdrawal.
- Stay Alert Against Fraud – Avoid clicking on unknown links or fake offers.
Final Word
As of now, EPFO has not announced any “3 times interest” scheme. It’s nothing but a social media hoax.
Yes, if the government ever decides to raise the interest rate in the future, it would surely benefit every PF account holder. But until then, the smart move is to stay updated on EPFO notifications, keep your KYC and passbook in order, and ignore misleading rumors.
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