How To Check 8.25% EPF Interest Credit Online: Step-by-Step Guide
The EPFO has begun crediting 8.25 per cent annual interest for FY 2025-26, with an expected completion date of July 15. Subscribers can verify their updated balances via the EPFO passbook portal, UMANG app, or official SMS/missed call services. EPFO advises members to remain vigilant against phishing calls and never share sensitive credentials like UAN or OTPs.
The Employees’ Provident Fund Organisation (EPFO) has initiated the process of crediting the annual interest for the financial year 2025-26 into the accounts of millions of subscribers. With the official deadline for the 8.25 per cent interest rate credit set for July 15, members can now verify their updated balances to ensure their contributions and accrued interest are correctly reflected in their passbooks.
Verifying Your Interest Credit
While the interest is calculated on a monthly basis, it is posted to individual accounts annually following government approval. To confirm that the credit has been successfully applied to your account, you can access your EPF passbook through any of the official digital channels provided by the EPFO. EPFO Restores Passbook Portal After Maintenance, Members Can Log In Again Ahead of 8.25% Interest Credit.
If you find that your passbook has not been updated by July 20, the EPFO advises members to monitor their accounts for a few additional days, as the processing for a vast subscriber base may take time. Should the balance remain unchanged after this period, you can raise a formal grievance through the official EPFO Grievance Management System (EPFiGMS) portal at epfigms.gov.in.
Official Methods To Check Your PF Balance
The EPFO provides several secure, free-of-cost methods for members to check their current balance and interest status. Ensure you only use these official channels to avoid unauthorised access to your personal data:
- EPFO Member Passbook Portal: Visit passbook.epfindia.gov.in and log in using your Universal Account Number (UAN) and password. Once logged in, select the relevant Member ID to view the detailed ledger, which now includes the latest interest credit entries.
- UMANG App: The government’s official mobile application remains one of the most convenient ways to access your records. After logging in, navigate to 'EPFO' under the 'Employee Centric Services' section and select 'View Passbook'.
- Missed Call Service: For an instant update, you can dial 9966044425 from your UAN-registered mobile number. The call will automatically disconnect, and you will receive an SMS containing your current PF balance and the details of your last contribution.
- SMS Service: Send an SMS in the format EPFOHO UAN ENG to 7738299899 from your registered mobile number. You will receive an automated response with your balance details.
Security Reminders for Members
The EPFO emphasises that all these services are free of charge. Members are strongly cautioned against sharing their UAN, password, or One-Time Password (OTP) with any third party, including individuals claiming to be EPFO representatives. "EPFO never calls members or pensioners to deposit any amount," the authority stated in a recent advisory. EPFO Interest Update: 8.25% Annual Interest To Be Credited by July 15.
Official correspondence is only conducted through verified portals. If your UAN is not activated or your KYC (Aadhaar, PAN, and Bank details) is not linked, you may face difficulties accessing these digital services. It is recommended to complete these updates through your employer’s HR department or the EPFO portal to ensure uninterrupted access to your retirement savings.
(The above story first appeared on LatestLY on Jul 12, 2026 08:23 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).