EPF Interest Credited for FY 2025–26: Check Your Balance via UMANG App, SMS and Portal
The EPFO commenced crediting 8.25 per cent interest for FY 2025-26 across accounts. Subscribers can verify balances via the official passbook portal, UMANG app, SMS, or the missed call and SMS facility. The payout process covers roughly 34 crore subscriber accounts, with total interest disbursements exceeding INR 1.44 lakh crore.
The Employees’ Provident Fund Organisation (EPFO) has commenced crediting the annual provident fund interest at 8.25 per cent for the financial year 2025–26. The payout process covers roughly 34 crore subscriber accounts, with total interest disbursements exceeding INR 1.44 lakh crore. The accelerated credit cycle follows EPFO's migration to a streamlined, centralised digital architecture under the Centralised IT Enabled Services (CITES) platform, enabling faster processing than in previous years.
Step-by-Step Guide to Check Your EPF Interest Credit Online
Subscribers can verify whether the 8.25 per cent interest has been successfully reflected in their accounts through multiple official channels. Forgot Your UAN? Here’s How EPFO Members Can Retrieve It Online.
Official EPFO Passbook Portal
- Navigate to the Portal: Open the official EPFO Member Passbook website (passbook.epfindia.gov.in).
- Login Details: Enter your 12-digit Universal Account Number (UAN), password, and the verification captcha code.
- Select Member ID: Choose the relevant Member ID linked to your current or past employment.
- Verify Entry: Review the passbook statement and look for the latest entry reflecting the updated interest amount for FY 2025–26.
UMANG Mobile Application
- Access the App: Open the UMANG application on your smartphone and search for the EPFO service provider category.
- View Passbook: Select "Employee Centric Services" followed by the "View Passbook" option.
- Authenticate via OTP: Input your UAN and complete the login by entering the One-Time Password (OTP) sent to your registered mobile number to check your updated balance.
Quick Verification via SMS and Missed Calls
For members seeking a quick snapshot without logging into web portals, alternative verification mechanisms are available:
- Missed Call Facility: Give a missed call from your registered mobile number to 9966044425. After a couple of rings, the call disconnects automatically, and an SMS containing your latest contribution and balance details is dispatched to your phone.
- SMS Service: Send an SMS formatted as EPFOHO UAN ENG to 7738299899. Users can substitute "ENG" with regional codes like "HIN" for Hindi or "TAM" for Tamil to receive details in their preferred language. EPFO Vishwas 2026 Scheme: Who Can Apply, Reduced PF Damages, Eligibility and Online Process.
What to Do If Your Passbook Is Not Updated Yet
While millions of accounts have received the automated credit, some profiles may experience a brief lag as passbook updates roll out in phases. Retirement fund authorities have clarified that a delayed digital reflection does not result in any financial loss for subscribers. Under the governing provisions of the EPF Scheme, interest is calculated on a monthly running balance and remains fully payable to eligible members regardless of when the visual entry appears in the online passbook.
(The above story first appeared on LatestLY on Jul 25, 2026 03:55 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).
