EPF Interest Credited Or Not? Here’s How To Check The EPF Balance

The Employees’ Provident Fund Organisation (EPFO) has kept the interest rate unchanged at 8.25 per cent for the employee provident fund (EPF) for the financial year 2025-26. However, the interest is yet to be credited. If you are one of the over eight crore subscribers of EPFO, you may wonder when the interest will be credited. Note that the rates are first notified by the government, and then interest is credited. Historically, it takes around 2-5 months into the next financial year to credit subscribers’ EPF accounts with interest. For instance, for FY2022-23, the rates were notified on July 24, 2023, and for FY204-25, in May 2025.

Ketan Das, business head, FinRight Technologies, says, “Historically, EPF interest has been credited around August–September for most members. However, the timeline has improved recently. For FY 2024–25, interest was credited to nearly 94 per cent of accounts around late July, so we expect the majority of PF members to see the interest credit by July this year as well.”

He attributes the slow credit to the element of manual processing. He adds, “The process is not fully automated and continues to involve operational/manual processing at some level. In an era where many financial institutions can reflect interest almost instantly, EPF interest crediting still remains relatively slower.”

Once the interest is credited, a notification is sent through SMS or email, but subscribers can check it themselves as well. There are four ways to check the EPF balance online and offline.

How To Check EPF Balance?

EPFO Portal

One can visit the official member portal of the EPFO, input UAN ID, password, and captcha code. After logging in to the portal, click the ‘Passbook’ option, and check the credit details. One can also download the passbook for future reference.

UMANG App

Subscribers can also check the EPF balance on the ‘UMANG  - Unified Mobile Application for New-age Governance’ mobile app. One needs to log in with a registered mobile number and MPIN, or simply log in with the OTP. After logging in, enter EPFO in the search bar. On the next screen, click ‘view passbook’. The passbook with all the entries will appear on the next screen. Check the balance and the interest credit.

Missed Call

In case there is no internet or an interrupted connection, one can still check the balance, if not all the transactions. For this, one needs to give a missed call to #9966044425 from one’s registered mobile number. An SMS will be sent to the registered mobile number within a few minutes. The SMS will contain details of the EPF balance and the last transaction. Notably, the subscriber’s UAN must be activated and linked with the Know Your Customer (KYC) details and the registered mobile number.

Short Message Service (SMS)

Another mode to check the EPF balance is through SMS. A subscriber needs to send an SMS “EPFOHO UAN” to #7738299899 from the registered mobile number. Similar to the missed call mode option, an SMS is sent to the subscriber’s registered mobile number under this option. The SMS will have the EPF balance and the last transaction details.

Late Interest Doesn’t Mean Lost Interest

However, if there is no interest credit till now for FY 2025-26, interest will not be lost. As Das says, “Subscribers will not lose any interest because of a delay in crediting it to the passbook. EPF interest is calculated for the full financial year and is added to the member’s account with the correct effect. So even if the interest is visibly credited later, say in July or August, the member does not lose interest for the months in between. For example, if the interest for FY 2024–25 is credited in July 2025, the member will not lose interest for April, May, and June 2025. While calculating interest for FY 2025–26, this credited interest will also be considered as part of the member’s balance from the beginning of that financial year. So the delay is only in passbook visibility, not in the member’s actual interest benefit.”

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