How To Check if 8.25% EPF Interest Has Been Credited to Your PF Account
EPFO has retained the EPF interest rate at 8.25% for FY 2025-26 and has started crediting annual interest to provident fund accounts. Subscribers can check whether the interest has been credited through the EPFO Member Passbook Portal, UMANG app, SMS or missed call service. Here's a step-by-step guide to verifying your PF balance and what to do if the interest is not visible.
The Employees' Provident Fund Organisation (EPFO) has retained the Employees' Provident Fund (EPF) interest rate at 8.25% for the financial year 2025-26 and has begun the annual process of crediting interest to subscribers' provident fund accounts. As the credit process gets underway, millions of salaried employees are checking whether the interest has been reflected in their EPF balances.
EPF interest is credited annually but is calculated on the monthly running balance throughout the financial year. Once the interest is credited, members can verify the updated balance through several EPFO services, including the Member e-Sewa portal, UMANG app, SMS and missed call facilities. EPFO Retains 8.25% Interest Rate: What It Means and When PF Interest Will Be Credited.
How to check if EPF interest has been credited
Subscribers can confirm whether the 8.25% EPF interest has been added to their accounts by following these steps:
- Visit the official EPFO Member Passbook Portal.
- Log in using your 12-digit Universal Account Number (UAN), password and captcha code.
- Complete OTP verification using your Aadhaar-linked mobile number.
- Click on View and select Passbook Lite.
- Check the latest entries to see whether the annual interest has been credited.
Once the process is completed, the passbook will display the updated balance along with the interest entry for the relevant financial year. EPFO 3.0 PF Withdrawal Limit Explained: How Much Money Can You Withdraw via UPI and ATM?
Apart from the Member Passbook Portal, subscribers can also check their EPF balance through:
- EPFO Member e-Sewa Portal
- UMANG Mobile App
- Missed Call Service
- SMS Service
Why you should monitor monthly EPF contributions
Employees are advised to regularly verify that monthly EPF contributions are being deposited into their accounts.
Under EPF rules, employers are required to deposit both employee and employer contributions within 15 days of the end of each wage month. Monitoring the account periodically helps ensure that the deductions reflected in salary slips are being credited correctly.
What to do if interest or contributions are not visible
If EPF deductions are reflected in salary slips but contributions do not appear in the account, members should first contact their employer to seek clarification.
If the issue remains unresolved, subscribers can register a complaint through the EPFiGMS (EPF Grievance Management System), EPFO's official grievance redressal platform. The portal allows members to raise issues related to contributions, withdrawals, transfers and account updates.
Will delayed interest credit affect your earnings?
No. According to Paragraph 60 of the EPF Scheme, 1952, subscribers do not lose interest even if the credit appears later than expected.
EPF interest is calculated on the monthly running balance and continues to accrue throughout the financial year. EPFO has clarified that delays in displaying the interest entry in the passbook do not reduce or affect members' earnings. Once the credit process is completed, the eligible interest is added in full for the applicable period.
(The above story first appeared on LatestLY on Jun 28, 2026 06:24 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).
