How To Check if Your EPF Interest for FY 2025-26 Has Been Credited After EPFO’s 8.25% Payout
EPFO has started crediting 8.25% interest for FY 2025-26 to provident fund accounts from July 15 after completing its CITES platform migration. Members can check updated balances through the EPFO e-Sewa portal, Passbook Lite and UMANG app. EPFO clarified that delayed passbook updates do not reduce the interest payable under the EPF Scheme.
Employees' Provident Fund Organisation (EPFO) members may have started seeing the annual interest for FY 2025-26 reflected in their provident fund accounts from July 15 after the retirement fund body began crediting interest at the approved rate of 8.25% per annum. The interest update follows the completion of EPFO's migration to its new Centralised IT Enabled Services (CITES) platform.
Earlier this month, Union Labour and Employment Minister Mansukh Mandaviya said the retirement fund body was processing interest amounting to over INR 1.44 lakh crore for around 34 crore member accounts, with updated balances expected to begin reflecting from July 15, 2026.
How to Check if Your EPF Interest Has Been Credited
EPFO members can verify whether the annual interest has been credited through multiple online platforms.
The available channels include:
- EPFO Member e-Sewa portal
- Passbook Lite on the EPFO Member Passbook portal
- UMANG app
Members can log in to the EPFO Member Passbook portal using their 12-digit Universal Account Number (UAN), password and captcha. After OTP verification through the Aadhaar-linked mobile number, they can access Passbook Lite to view recent contributions, withdrawals and the updated provident fund balance.
Those using the UMANG app can also check their PF balance, track contributions, file claims, access pension transaction summaries and download detailed account statements.
Interest Calculated Monthly, Credited Annually
The annual EPF interest rate of 8.25% translates to approximately 0.688% per month, according to a ClearTax report.
Although the interest is calculated every month on the running account balance, it is credited only once a year after the government formally notifies the approved interest rate.
Will a Delay in Interest Credit Affect Your Earnings?
No. Even if the interest does not immediately appear in your EPF passbook, subscribers will not lose any interest.
Under Paragraph 60 of the EPF Scheme, 1952, interest is calculated on the monthly running balance and remains payable regardless of when the credit entry is reflected in the account.
As a result, a delay in displaying the interest in the passbook does not reduce the amount payable to EPF subscribers. EPFO also said the interest is auto-processed before being verified by field authorities and credited to members' accounts.
EPFO Services Resume After CITES Migration
The latest interest credit comes after EPFO completed the migration of its database to the new Centralised IT Enabled Services (CITES) platform.
The large-scale database consolidation and software upgrade resulted in nearly two weeks of downtime, with the restoration of member and employer services being delayed multiple times.
Although online services have resumed, EPFO has said that PF claims and other online service requests may continue to experience temporary delays during the transition period.
What Are the Benefits of EPF?
The Employees' Provident Fund (EPF) is a government-backed retirement savings scheme designed to provide financial security to salaried employees after retirement. Under the scheme, both the employee and employer contribute 12% of the employee's basic salary and dearness allowance towards the EPF account.
According to the EPF-2026 framework, the mandatory contribution is capped at INR 1,800 each for the employee and employer, while members can opt to contribute more through voluntary provident fund (VPF) contributions.
(The above story first appeared on LatestLY on Jul 21, 2026 03:44 PM IST. For more news and updates on politics, world, sports, entertainment and lifestyle, log on to our website latestly.com).
