EPF Interest for FY 2025–26 Credited? Here’s How To Check Your Updated PF Balance

The Employees’ Provident Fund Organisation (EPFO) has completed the crediting of annual interest for the financial year 2025-26 to approximately 34 crore member accounts. Following approval from the Union Ministry of Finance at an interest rate of 8.25% per annum, a total payout exceeding INR 1.44 lakh crore was processed. Unlike previous years, when interest updates were staggered over several months, the entire credit was executed in a single batch, allowing subscribers across the country to verify their updated balances immediately.

Automated Processing Accelerates Interest Credit

The prompt distribution of interest was enabled by the rollout of EPFO’s Centralised IT Enabled Services (CITES) project. The updated digital architecture automates interest calculation and verification, significantly shortening the processing cycle. EPF vs Mutual Funds: Why EPFO Says Provident Fund Should Be the Foundation of Your Retirement Plan.

Historically, subscribers had to wait until October or November to see annual interest reflections in their official passbooks after the rate notification. The new system allows accounts-both active and registered inactive-to be credited in one streamlined process as soon as government approval is finalized.

Stable Returns for Salaried Workers

The interest rate for FY2025-26 has been maintained at 8.25%, the same rate offered in FY2023-24 and FY2024-25. Recommended by the EPFO’s Central Board of Trustees (CBT) and ratified by the Finance Ministry, the rate provides continued yield stability for over seven crore active contributors navigating long-term retirement savings. EPFO 3.0 Explained: When Will UPI and ATM PF Withdrawals Start, How Much Can EPF Members Withdraw?

How to Check Your EPF Interest Credit Online

Subscribers can verify if the FY2025-26 interest has been credited to their account using multiple digital tools:

• EPFO Member Passbook Portal: Visit passbook.epfindia.gov.in and sign in using your Universal Account Number (UAN) and password. Enter the One-Time Password (OTP) sent to your Aadhaar-linked mobile number, navigate to the passbook section, and view your detailed ledger for the 2025-26 financial year.

• UMANG Mobile Application: Download and log in to the UMANG app, select "EPFO" under government services, and tap "View Passbook." Enter your UAN and submit the mobile OTP to view your updated balance, monthly contributions, and total accrued interest.

Checking Balance via SMS or Missed Call

For members without immediate internet access, offline options are available provided their UAN is active and linked to their mobile number:

• Missed Call Service: Give a missed call to 9966044425 from your registered mobile number. The call will automatically disconnect after two rings, and an SMS detailing your total PF balance and latest contribution will be sent to your device.

• SMS Facility: Send a text message formatted as EPFOHO UAN ENG to 7738299899 from your registered mobile number (replace ENG with three-letter codes like HIN for Hindi or BEN for Bengali if preferred). You will receive an automated reply with your account snapshot.

Key Requirements for Subscribers

To access these digital and offline balance check services smoothly, account holders must ensure that their UAN is activated and properly seeded with key Know Your Customer (KYC) details, including their Aadhaar number, PAN, and verified bank account information.