The Employees’ Provident Fund Organisation (EPFO) has started crediting 8.25% annual interest for FY 2025-26 to EPF accounts from July 15, 2026. If you’re an EPF subscriber, you can now check whether the interest has been added to your provident fund balance through multiple online platforms.
Here’s everything you need to know about checking your EPF interest credit, understanding the calculation process, and what to do if the amount hasn’t reflected yet.
EPFO Begins Crediting 8.25% Interest for FY 2025-26
EPFO has begun updating member accounts with the approved 8.25% annual interest for the financial year 2025-26. Although the interest is calculated on the monthly running balance, it is credited to members’ accounts once every financial year after receiving government approval.
As per estimates, the annual rate of 8.25% translates to roughly 0.688% per month, though the final interest is calculated based on your monthly EPF balance rather than a fixed monthly payout.
Earlier, Union Labour and Employment Minister Mansukh Mandaviya announced that EPFO was processing interest payments worth over ₹1.44 lakh crore across nearly 34 crore member accounts, with updated balances expected to become visible 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 using any of the following official platforms:
1. EPFO Member e-Sewa Portal
Log in using your 12-digit Universal Account Number (UAN), password, and captcha. After completing OTP verification through your Aadhaar-linked mobile number, you can view your updated PF balance.
2. EPFO Passbook Lite Portal
The Passbook Lite feature allows members to check:
- Latest EPF balance
- Employer and employee contributions
- Annual interest credited
- Withdrawal history
3. UMANG App
The UMANG mobile application also enables EPF subscribers to:
- Check PF balance
- Track monthly contributions
- File EPF claims
- View pension-related transactions
- Download account statements
Why Some Members May Experience Delays
Although EPFO has resumed its digital services, some members may notice delays in claim processing and account updates.
The delay is linked to EPFO’s migration to its new Centralised IT Enabled Services (CITES) platform, which involved a major database consolidation and software upgrade. The transition temporarily affected several online services and resulted in multiple extensions before full restoration.
Will a Delay in Interest Credit Reduce Your EPF Earnings?
The answer is No.
Even if the interest entry does not immediately appear in your passbook, your earnings remain protected.
Under Paragraph 60 of the EPF Scheme, 1952, interest is calculated based on the monthly running balance throughout the year. The timing of the credit entry has no impact on the total interest payable.
Once the calculation and verification process is completed by EPFO authorities, the interest amount is automatically credited to eligible accounts.
How the EPF Scheme Works
The Employees’ Provident Fund (EPF) is a government-backed retirement savings scheme designed to help salaried employees build long-term financial security.
Under the scheme:
- Employees contribute 12% of their basic salary plus dearness allowance (DA).
- Employers contribute an equal 12%.
- Contributions are managed by the Employees’ Provident Fund Organisation (EPFO).
According to the EPF-2026 framework, the standard contribution is capped at ₹1,800 each from both the employer and employee. However, members can choose to make higher voluntary contributions if they wish to increase their retirement savings.
Final Takeaway
With EPFO beginning to credit 8.25% annual interest for FY 2025-26, members should regularly check their accounts through the EPFO Member Portal, Passbook Lite, or the UMANG app. If your updated balance hasn’t appeared yet, there’s no need to worry—your interest continues to accrue based on the monthly running balance, and a delay in reflecting the credit will not reduce the amount you are entitled to receive.