How To Verify Your 8.25% EPF Interest Credit Before the July 15 Deadline
The EPFO has begun crediting an 8.25 per cent interest rate for FY 2025-26, covering 34 crore accounts with an INR 1.44 lakh crore payout. Expected to be completed by July 15, members can verify their updated balances via the EPFO passbook portal, UMANG app, or SMS/missed call services. If credit is delayed, subscribers are advised to check their status on the official portal.
The Employees' Provident Fund Organisation (EPFO) has commenced the process of crediting interest for the 2025-26 financial year, according to Union Labour Minister Mansukh Mandaviya. Subscribers can expect the interest payment - ratified at an annual rate of 8.25 per cent - to be reflected in their passbooks by July 15. This year’s interest distribution covers approximately 34 crore member accounts, with an estimated total payout exceeding INR 1.44 lakh crore.
The credit process is being facilitated by the EPFO’s new centralised IT-enabled services (CITES) project, which has migrated member records into a unified database to ensure more efficient and transparent service delivery. EPFO Interest Update: 8.25% Annual Interest To Be Credited by July 15.
How To Check Your Updated EPF Balance
Members can verify that the interest has been credited to their accounts through several official digital channels. To access these services, your Universal Account Number (UAN) must be activated and linked to your mobile number.
EPFO Member Passbook Portal
The most detailed method to view your contribution history and interest credit is the official passbook portal.
- Visit passbook.epfindia.gov.in.
- Log in using your UAN, password, and the provided captcha.
- Select the relevant Member ID to view your updated passbook.
UMANG App
For mobile users, the government’s UMANG app offers a convenient way to check balances on the go.
- Open the UMANG app and search for "EPFO".
- Select "Employee Centric Services" and then "View Passbook".
- Log in using your UAN and the OTP sent to your registered mobile number.
Missed Call Service
If you prefer a quick, offline check, you can use the EPFO’s missed call facility.
- Give a missed call to 9966044425 from your UAN-registered mobile number.
- The call will disconnect automatically after two rings, and you will receive an SMS containing your latest PF balance and contribution details.
SMS Service
You can also request your balance details via SMS.
- Send an SMS in the format: EPFOHO UAN ENG to 7738299899.
- The last three letters indicate your preferred language (e.g., HIN for Hindi, TAM for Tamil, BEN for Bengali).
Important Context for Subscribers
The 8.25 per cent interest rate for FY 2025-26 marks the third consecutive year that the EPFO has maintained this level of return. While interest is calculated monthly based on the running balance, it is officially credited to the passbook on an annual basis. EPFO Portal Revamp: 10 Changes in PF Claims, Withdrawals and Transfers Every Member Should Know.
If your passbook does not reflect the interest credit after July 15, officials suggest waiting a few days, as the processing is conducted in stages. However, if a significant delay occurs, members are encouraged to check their contribution status or file a grievance through the official EPFO portal (epfigms.gov.in) to ensure their employer has filed the necessary Electronic Challan-cum-Return (ECR).
(The above story first appeared on LatestLY on Jul 09, 2026 02:32 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).
