EPFO Starts Crediting 8.25% Interest For FY25-26: How To Check Updated PF Balance Online?

The Employees' Provident Fund Organisation (EPFO) has started crediting the annual 8.25 per cent interest for the financial year 2025-26 into provident fund (PF) accounts from July 15 (Wednesday). This comes after the retirement fund transferred its entire database to a new and improved digital platform under the Centralised IT Enabled Services (CITES) project.

Speaking about the EPFO interest credit, Union Labour and Employment Minister Mansukh Mandaviya recently announced that an estimated annual interest payout of approximately Rs 1.44 lakh crore will be credited in around 34 crore EPFO members' accounts, and the revised balance after receiving interest will be accessible by July 15.

How To Check Whether EPF Interest Has Been Credited To Your EPF Account?

EPFO subscribers can check their annual EPF interest through multiple ways -

1.EPFO Member e-Sewa portal
2.Passbook Lite on the EPFO Member Passbook portal
3.UMANG App
4.SMS

How To Check EPF Balance Via EPFO Member Passbook Portal?

Members who want to check their annual EPF interest via EPFO Member Passbook portal can follow these steps:
Step 1: Log in to EPFO Member Passbook portal using 12-digit Universal Account Number (UAN), password and captcha.
Step 2: Verify OTP received on Aadhaar-registered mobile number
Step 3: Once OTP is verified, you can access Passbook Lite to check recent transactions and updated balance. If the interest is credited, then a separate entry for the annual interest amount will appear in the passbook.

How To Check EPF Balance Via UMANG App?

Step 1: Download the UMANG App from the Google Play Store or App Store.
Step 2: Log in to the app and link your Universal Account Number (UAN)
Step 3: After linking the UAN number, you can easily check PF balance, track contributions, access interest transactions, and download detailed account statements.

How To Check EPF Balance Via SMS?

UAN-activated members can check their recent PF contributions and balances with the EPFO via SMS. Members can send the message in this format: 'EPFOHO UAN' (including their Universal Account Number) to 7738299899 from their UAN-registered mobile number. Those who want to receive the response in a regional language can mention the code for their preferred language along with the UAN. Codes are available for 9 regional languages - Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL), and Bengali (BEN).

Will EPF Interest Credit Reflect Immediately?

It is important to note that the EPFO does not update all member accounts simultaneously, as the interest crediting process is carried out in phases. Also, the passbook updates may take time depending on the processing speed. For some members, the revised balance with interest credited may be updated on July 15 itself, whereas for others, it might take a few more days. Therefore, there's no need to panic if the interest does not appear immediately.

Will Delayed EPF Credit Affect Your Interest?

No, even if the interest credit might take some time to reflect on your EPF balance, members will not lose any money. Under Paragraph 60 of the EPF Scheme, 1952, interest is calculated on the monthly running balance, which means that members are entitled to the full interest irrespective of when the credit entry appears in the accounts.