EPFO Interest Credit: The Employees' Provident Fund Organisation (EPFO) has started crediting 8.25% annual interest for the financial year 2025-26 to members' EPF accounts. If you're wondering whether the interest has been added to your PF balance, you can verify it online in just a few minutes using the EPFO portal, UMANG app, SMS service, or missed call facility.

EPFO begins crediting 8.25% interest

EPFO has initiated the process of depositing 8.25% annual interest into employees' provident fund accounts for FY 2025-26.

The interest is calculated based on the monthly closing balance in your EPF account throughout the financial year and is credited annually. As the process is being carried out in phases, some members may already see the updated balance, while others may have to wait until their accounts are processed.

If your passbook hasn't been updated yet, there is no need to worry. EPFO has clarified that all eligible members will receive the applicable interest.

How to check if your PF interest has been credited

1. Check through the EPFO Member Passbook Portal

This is the quickest way to verify your updated PF balance.

Steps:

1. Visit the EPFO Member Passbook Portal.
2. Log in using your Universal Account Number (UAN), password, and captcha.
3. Verify the OTP sent to your Aadhaar-linked mobile number, if prompted.
4. Click on View Passbook.
5. Check your updated balance and confirm whether the FY 2025-26 interest has been credited.

2. Use the UMANG app

The UMANG (Unified Mobile Application for New-age Governance) app also allows EPF members to access their account details.

Steps:

• Download the UMANG app from the Google Play Store or Apple App Store.
• Log in using your UAN.
• Link your EPF account.
• View your:
  • Updated PF balance
  • Monthly contributions
  • Passbook
  • Transaction history
  • Interest credit details

3. Check PF balance via SMS

Members with an activated UAN and a registered mobile number can also receive their PF details through SMS.

Simply send the prescribed EPFO SMS format to 7738299899.

Within a few minutes, you'll receive an SMS containing:

• Current PF balance
• Latest contribution
• KYC status

This service is available in multiple Indian languages.

4. Give a missed call

EPFO also offers a missed call service.

Members can place a missed call from their registered mobile number to the EPFO missed call service. After verification, an SMS containing the latest PF balance will be sent automatically.

What if the interest is not showing yet?

If your updated passbook does not display the interest amount, you don't need to panic.

EPFO credits interest phase by phase, so passbook updates may take some time.

Even if the entry appears later, your eligible interest will not be reduced. The complete interest amount applicable to your account will be credited.

Who will receive the benefit?

EPFO currently manages nearly 35 crore member accounts, including around 8 crore active accounts.

The interest rate for FY 2025-26 has been retained at 8.25%, the same as the previous financial years.

Employees with larger PF balances are expected to receive higher interest amounts.

Estimated annual interest

Note: The actual interest credited depends on your monthly contributions, withdrawals (if any), and the average balance maintained during the financial year.

Final takeaway

EPFO has started depositing 8.25% interest into PF accounts for FY 2025-26. Members can quickly verify the credit status through the EPFO Passbook Portal, UMANG app, SMS, or the missed call facility. If the interest has not appeared yet, there is no need to be concerned, as EPFO updates accounts in phases and eligible members will receive the full interest amount once processing is complete.