EPFO sets interest rate at 8.1% for 2021-22, lowest in over one decade - https://www.moneycontrol.com/news/business/economy/breaking-epfo-interest-rate-fixed-at-8-1-for-2021-22-lowest-in-over-one-decade-8224051.html
Interest rates are also lowest in a decade or more perhaps
So isn't it natural that the PF rates will also be lower? Most of the income they have is from debt. Only 15% of the money can be put in equity which will give them better earnings (albeit at a higher risk)
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