EPF 8.25% Interest Not Credited Yet? 3 Easy Ways To Check Your PF Balance
EPFO has begun crediting 8.25 per cent interest for FY 2025–26. If you haven't received an SMS, you can check your updated balance via the EPFO portal, a missed call to 011-22901406, or an SMS to 7738299899. Phased crediting won't affect your overall earnings. The EPFO calculates interest based on a monthly running balance, ensuring that every contribution earns the full declared rate.
As the Employees’ Provident Fund Organisation (EPFO) begins crediting an 8.25 per cent interest rate for the financial year 2025–26, subscribers can verify their updated balances through multiple official channels if they have not yet received an SMS notification. While many members have started receiving confirmation messages, the payout is processed in phases, meaning the updated balance may take time to reflect across all accounts. To check whether the interest has been credited without waiting for an alert, subscribers can use three primary methods.
Three Ways to Verify Your EPF Interest Credit
- EPFO Portal Passbook: Members can log into the unified member portal at unifiedportal-mem.epfindia.gov.in using their Universal Account Number (UAN) and password. By navigating to the 'Member Passbook' section, users can view their opening and closing balances, contributions, transfers, and generated interest.
- Missed Call Service: Subscribers registered on the UAN portal can obtain details by giving a missed call from their registered mobile number to 011-22901406. This free service requires the UAN to be linked with Aadhaar, PAN, and active banking details.
- SMS Service: Sending an SMS to 7738299899 from a registered mobile number provides the latest contribution and balance details. The message should be formatted as EPFOHO UAN ENG (replacing 'ENG' with the first three letters of the preferred language, such as 'MAR' for Marathi). Forgot Your UAN? Here’s How EPFO Members Can Retrieve It Online.
Background and Interest Calculation Rules
The EPFO calculates interest based on a monthly running balance, ensuring that every contribution earns the full declared rate. Because interest is compounded annually and computed monthly under Paragraph 60 of the EPF Scheme of 1952, members do not lose any financial value if the crediting process experiences a delay.
(The above story first appeared on LatestLY on Jul 26, 2026 10:17 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).