EPFO 8.25% Interest Credited? Check Your PF Balance & Passbook Status Instantly

What is on the minds of millions of salary earners in India right now is whether the EPFO interest for FY 2025-26 has been added to their PF account or not? For the common man, who works for a salary, this is the question that would certainly be lingering in their mind: has EPFO interest for FY 2025-26 been added to my PF account? If you are eagerly waiting for the interest rate to be displayed on your EPF Passbook, then here is all you need to know about the Interest rate, the time of interest rate credited and how to check it in just minutes.

EPFO Interest Rate 2025-26 – What is Approved?

The Employees’ Provident Fund Organisation (EPFO) has set the interest rate for 2025-26 for PF contributions as 8.25%. The same rate has also been set by the organisation last year.

Now, here are some interesting facts related to the EPFO interest rate:

• Interest is paid monthly in relation to the monthly running balance in your PF account
• Interest payment date is done once a year at the end of the financial year on 31st March.
• The process is quarterly in Q2-Q3 of the next year, and it involves updating member’s account information

The completion of EPF Passbook is projected to be completed by 2026 in the FY 2025-26.

Check Whether Your 8.25% Interest Has Been Credited

Here are some ways through which you can check your EPF Passbook and whether your interest has been credited in just four steps:

Method 1: EPFO Member Passbook portal

Here you can check if you’ve got your EPF Passbook and details regarding the transaction history of your PF account.

Steps:

• Log in to the official Member Passbook – EPFO website https://passbook.epfindia.gov.in

• To log in, you will need your UAN (Universal Account Number) and password.
• Select Member ID and enter the Member ID you want to use (if you have more than one).
• Scrape through the passbook and see if you can find the line, “Int. Updated up to 31/03/2026”
• The amount shown here is the interest credit of 8.25% for FY 2025-26.

If this entry does not show up, then there is no interest credited to your account. Be sure to check back in a few weeks.

Method 2: UMANG App

The UMANG (Unified Mobile Application for New-age Governance) App gives a handy touch with the EPF Passbook without the use of a browser.

Steps:

• Open the UMANG App on your Smartphone.
• Click on “EPFO”
• Under “Employee Centric Services,” click “View Passbook.” On the Employee Centric Services page, choose “View Passbook.”
• Enter your UAN number and OTP sent to your registered mobile phone number with EPFO.

Your passbook will contain your most current balance and interest payments.

Method 3: The Missed Call Service is a brilliant way to do this.

Not connected to the internet? Get all the account balance information via SMS.

Steps:

• Dial 99660444425.
• Now call the EPFO-registered Mobile number, and a missed call will be sent.
• SMS with your latest PF balance comes to you in no time.

Note: This option may be available to show your current balance, but it may not offer a breakdown of the interest credit. To see details of the EPFO e-passbook, use the portal or the UMANG app.

Method 4: SMS Service

Or you can inquire about your PF balance by SMS:

• Send: EPFOHO UAN ENG to 7738299899
• Change ENG for the language code of your choice (HIN for Hindi).

You will receive an SMS on your registered cellphone containing information about the balance on the account.

Important Things to Know Before You Check

Here are some important things you must keep in mind before accessing the EPF passbook:

• Timing of Interest Rate Credit: The credit of an 8.25% interest rate announcement for FY 2025-26 cannot always be credited to the passbook before the close of the financial year 2026. The absence of an interest rate entry means that the same may not be credited as EPFO provides credit for the interest amount in phases.
• Eligibility Criteria: The interest will be determined for each month during the EPF period and not for an annual fixed interest.
• Inactivity Period of Account: A PF account which remains inactive for 36 months becomes an inactive one.
• This interest may be suspended on these accounts (for instance, if you’ve changed jobs or gone on vacation, see if your accounts are still earning interest).

If the total PF amount of the employee exceeds Rs 2.5 lakh in a financial year, then the interest rate on the excess amount is taxed as income. This would be done from 2021 and would apply only to the higher income-earning salaried category who had invested in their EPF in huge amounts.

Quick reference: All methods at a glance

Method	What You Need	What You Get
EPFO Passbook Portal	UAN + Password	Full EPF Passbook with interest entry
UMANG App	UAN + OTP	Mobile passbook view
Missed Call (9966044425)	Registered mobile	SMS with total PF balance
SMS to 7738299899	Registered mobile	SMS with balance summary

Bottom Line

Interest rates are one of the main factors influencing the lives of the salaried class in India year-on-year, one of them being EPFO’s interest rate for FY 2025-26 at 8.25%. The verification of the interest credit can be done within 2 minutes with the EPFO Member Portal, UMANG app or the missed call service.

If you don’t see the interest amount in your EPF passbook, don’t worry. EPFO interest credits are done in stages after March 31st, and the entire settlement is completed by Q3 of the new year. Regularly review the EPFO Passbook status to get the latest updates.

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