GP Fund Mark-up Rate for Fiscal Year 2025-26

 

GP Fund Mark-up Rate for Fiscal Year 2025-26 Announced by Government of Pakistan

The Government of Pakistan, Ministry of Finance (Finance Division), has officially issued the notification regarding the rate of mark-up on the State Provident Fund, commonly known as the General Provident Fund (GP Fund), for the fiscal year 2025-26.

Government employees and teachers across Pakistan eagerly await this annual announcement to calculate the profit/interest accrued on their provident fund balances. Here are the complete details and historical comparison of the GP Fund profit rates.

GP Fund Mark-up Rates Comparison (Fiscal Years)

To provide a clear picture for government employees, the Ministry of Finance has outlined the following mark-up rates for recent fiscal years:

Fiscal Year	GP Fund Mark-up Rate
2023-2024	13.97%
2024-2025	12.46%
2025-2026	12.05%

Key Highlights of the Notification

• Issuing Authority: Ministry of Finance (Borrowing Wing), Government of Pakistan.

• Notification Date: 12th August, 2026.

• Applicability: The notified rate of 12.05% is applicable for the fiscal year 2025-26 and will be implemented across all federal and provincial departments, including the Controller General of Accounts, Accountant Generals (AGPR, Punjab, Sindh, KP, Balochistan), and military/civil accounts offices.

What is GP Fund and Why Does This Rate Matter?

The General Provident Fund (GP Fund) is a secure savings scheme for government servants in Pakistan. A fixed percentage of an employee's salary is deducted monthly and deposited into their GP Fund account.

The government awards an annual mark-up (profit) on these accumulated balances based on the country's economic performance and investment returns. With the announcement of the 12.05% rate for the 2025-26 fiscal year, employees can now estimate their annual financial growth and final year-end statements through their respective district accounts offices or DDOs.

Official Notification Download:

For verification and record purposes, the official notification copy issued by Muhammad Iqbal Khan (AAO - Borrowing, Ministry of Finance) has been circulated to all major financial and administrative departments nationwide.