How To Check EPF Interest Credit Online: Step-by-Step Guide Using the UMANG App
The EPFO has credited the 8.25 per cent annual interest for millions of subscribers. Members can securely verify their updated balances and passbooks on mobile devices using the UMANG app with their UAN and OTP. If your passbook does not immediately reflect the latest interest credit, experts recommend waiting a few days for the backend synchronisation to complete.
The Employees' Provident Fund Organisation (EPFO) has credited the annual 8.25 per cent interest for members, allowing millions of formal sector workers to review their updated balances. For those looking to verify their credited amounts on a mobile device, the government's Unified Mobile Application for New-Age Governance (UMANG) app provides a secure and straightforward method.
Understanding the EPF Interest Credit
The EPFO maintains accounts for nearly 34 crore subscribers, processing annual interest calculations based on running monthly balances. Following the crediting process, members can view both their accumulated contributions and the newly added interest entries directly through official digital channels. New EPFO Rule: PF and Pension Claims Must Be Settled in 20 Days, Here’s How To Act on Delays.
While the official EPFO member passbook portal remains a primary resource, mobile applications like UMANG offer a convenient alternative for account holders to monitor updates without needing desktop access.
Step-by-Step Guide To Check EPF Interest Credit Using the UMANG App
Checking your updated EPF passbook and interest credit via the UMANG platform requires a smartphone and an active Universal Account Number (UAN) linked to a verified mobile number.
- Download and Install: Open the Google Play Store on Android or the Apple App Store on iOS, search for the UMANG app, and download it.
- Register or Log In: Open the application and sign in using your mobile number. First-time users will need to complete a brief registration process.
- Search for EPFO: Use the in-app search bar to locate EPFO among the available government services.
- Access Employee Services: Select Employee Centric Services from the department menu.
- View Your Passbook: Click on View Passbook.
- Enter Credentials: Input your 12-digit UAN.
- Verify via OTP: Enter the One-Time Password (OTP) sent to your registered mobile number. Once verified, the app will display your complete passbook, allowing you to check the latest interest credit entries.
What To Do If Your Interest Is Not Visible Yet
Account updates and interest postings are processed in phases across different regions and accounts due to the massive volume of data managed by the EPFO. If your passbook does not immediately reflect the latest interest credit, experts recommend waiting a few days for the backend synchronisation to complete. The delayed visibility of an entry does not affect the calculation or accrual of eligible interest amounts. If discrepancies persist after a reasonable waiting period, members can raise a formal grievance through the EPFiGMS portal or consult their employer's HR department.
(The above story first appeared on LatestLY on Jul 27, 2026 09:24 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).