- EPFO initiated 8.25% interest credit for 8 crore accounts.
- The interest credit process is phased, reflecting gradually.
- Subscribers should not worry; delayed display won’t reduce interest.
Employees’ Provident Fund (EPF) subscribers could soon see their retirement savings receive a boost, with the Employees’ Provident Fund Organisation (EPFO) initiating the process of crediting interest for the financial year 2025-26.
According to EPFO, interest at the rate of 8.25 per cent will be credited to nearly 8 crore provident fund accounts in a phased manner. While some subscribers may see the updated balance sooner than others, the organisation has clarified that the process will be carried out across all eligible accounts over time.
Interest Credit Process Underway
EPFO has instructed its field offices to begin crediting the approved 8.25 per cent annual interest to members’ provident fund accounts for FY2025-26.
As the exercise is being undertaken in phases, subscribers whose passbooks have not yet been updated need not be concerned. The interest amount will be reflected gradually as the crediting process progresses.
Once the interest is credited, members will see an increase in their overall EPF corpus.
How to Check Your EPF Balance
Subscribers can verify whether the interest has been credited through multiple official channels.
EPFO Member Passbook Portal
Members can log in to the EPFO Member Passbook portal using their Universal Account Number (UAN) and password. After selecting the relevant Member ID, the updated passbook, including the interest entry, can be viewed.
UMANG App
The government-backed UMANG application also allows members to access their EPF passbook. Users need to open the app, navigate to EPFO Services, select View Passbook, and log in using their UAN credentials.
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Missed Call Facility
Subscribers whose mobile numbers are registered with EPFO can give a missed call to 9966044425. They will receive an SMS containing their latest PF balance details.
SMS Service
Members with an active UAN linked to Aadhaar, PAN or their bank account can also check their balance via SMS. Sending EPFOHO UAN to 7738299899 from the registered mobile number will return the latest EPF account details.
What If the Interest Hasn’t Been Credited Yet?
Since the exercise is being completed in stages, some account holders may not immediately see the interest reflected in their passbooks.
EPFO has indicated that there is no need for subscribers to worry if the update is delayed, as all eligible accounts will receive the approved interest during the ongoing crediting process.
Will a Delay Affect Your Interest?
According to EPFO, a delay in displaying the interest entry in the passbook does not reduce the amount payable to subscribers.
Interest is calculated in accordance with EPFO rules, and eligible members will receive the full amount due for the financial year, irrespective of when the transaction becomes visible in their account.
What to Do If Your Passbook Is Not Updated
Subscribers who do not see the interest credited after a reasonable period should first verify their balance again through the EPFO Member Passbook portal or the UMANG app.
If the issue continues, members can contact the EPFO helpdesk or visit the nearest EPFO office for assistance.
The interest credit exercise is expected to benefit around 8 crore EPF subscribers, further strengthening retirement savings for millions of salaried employees across the country.
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