When can EPF interest be credited to your account?
The Employees' Provident Fund Organisation (EPFO) in March retained the 8.25% interest rate for Employees’ Provident Fund (EPF) for the Financial Year 2025-26. But many EPFO subscribers are still wondering that two months into the new financial year (2026-27), they are yet to receive the EPF interest credited to their respective EPF accounts. Many are thinking whether such a delay in interest credit will cost them some money.
When was the EPF interest rate of 8.25% was announced?
EPFO announced in the first week of March that it would retain an 8.25% interest rate for EPF for the Financial Year 2025-26.
The Ministry of Labour and Employment said in a press release on March 2, 2026: “After due deliberations, CBT recommended 8.25 % annual rate of interest to be credited on EPF accumulations in members’ accounts for the financial year 2025-26.”
When can EPF interest be credited?
The press release also mentioned that the interest rate would be officially notified by the government of India, following which, EPFO would credit the rate of interest into the subscribers’ account.
So, EPFO did not announce any specific date for EPF interest to be credited.
Why is EPF interest not credited to EPF subscribers’ accounts before the start of a financial year?
Adhil Shetty, CEO, BankBazaar.com, told ET Wealth Online that if your EPF interest has not yet been credited, there is usually no reason to worry.
Shetty says EPFO does not credit interest immediately after the financial year ends as the process involves government approval, reconciliation of accounts, and updating millions of member records, which can take several weeks.
Shetty said, "For FY 2025–26, EPF deposits earn 8.25% interest. The interest accrues on eligible balances even if the entry is not yet visible in your passbook. Members should periodically check for the update marked "Int. Updated up to 31/03/2026" in their EPF passbook. In most cases, a delay in reflection is administrative and does not affect the interest amount due to the member."
When was the EPF interest credited to subscribers’ account in the year 2025?
In 2025, a large number of EPF members got interest credited to their respective accounts in June and July.
Experts say that the process has gathered speed as earlier, the interest used to be credited in September and October. However, this time, it may be credited in June and July.
However, the real date of the EPF interest credit will be known after the government’s notification.
Will you lose the interest amount if the EPF interest credit is delayed?
According to paragraph 60 of the EPF Scheme of 1952, interest is computed on the monthly running balance even if it is credited at the end of the fiscal year. As a result, the member does not suffer in the event of any delay in crediting interest to his account.
The EPFO calculates interest based on the monthly running balance, ensuring every contribution earns the full declared rate. Interest is compounded annually, so even if crediting happens late, the full amount is added to your closing balance for the year.
The EPFO on multiple occasions has responded to several such queries saying that there would be no interest loss and that interest would be accrued and paid in full.
How to check if your EPF interest has been credited to your account
Whenever EPFO credits interest, it will appear in your EPF balance. So, for that, you need to check your EPF balance. Here’s how you can do it through four ways-
a) By using the Umang app
b) By visiting EPF member e-sewa portal
c) By giving missed call
d) By sending SMS
How to check EPF balance on UMANG app
Step 1: Download and install Umang app
Step 2: Register from your mobile number
Step 3: Choose ‘EPFO’ from options
Step 4: Click ‘View Passbook.’
Step 5: After entering your UAN, click Get OTP.
Step 6: Select ‘Login.’
Your passbook and EPF balance will be shown on the screen.
How to check EPF balance using EPFO portal
Go to the employee section of the EPFO website and click on ‘Member Passbook’.
By entering your UAN and password, you can gain access to the PF passbook. Employee and employer contributions, as well as opening and closing balances, will be displayed.
The sum of any PF transfers, as well as the amount of PF interest generated, will also be shown.
The EPF balance can also be viewed with a passbook.
How to check EPF balance by giving missed call
To check your PF account balance, you can give a missed call from your mobile number on 9966044425.
EPFO will send you details of your last contribution along with the PF balance.
However, for that, you need to have an activated UAN and your mobile number should be registered with UAN.
How to check EPF balance by sending SMS
If your UAN is registered with the EPFO, you may get information about your recent contribution and the PF balance by sending an SMS to 7738299899.
You have to send the following communication: UAN EPFOHO ENG.
The first three letters of the requested language are ‘ENG’.
To receive the message in Marathi, enter EPFOHO UAN MAR.
Verify that your bank account, Aadhaar, and PAN are seeded into your UAN, or update the most recent data.
When was the EPF interest rate of 8.25% was announced?
EPFO announced in the first week of March that it would retain an 8.25% interest rate for EPF for the Financial Year 2025-26.
The Ministry of Labour and Employment said in a press release on March 2, 2026: “After due deliberations, CBT recommended 8.25 % annual rate of interest to be credited on EPF accumulations in members’ accounts for the financial year 2025-26.”
When can EPF interest be credited?
The press release also mentioned that the interest rate would be officially notified by the government of India, following which, EPFO would credit the rate of interest into the subscribers’ account.
So, EPFO did not announce any specific date for EPF interest to be credited.
Why is EPF interest not credited to EPF subscribers’ accounts before the start of a financial year?
Adhil Shetty, CEO, BankBazaar.com, told ET Wealth Online that if your EPF interest has not yet been credited, there is usually no reason to worry.
Shetty says EPFO does not credit interest immediately after the financial year ends as the process involves government approval, reconciliation of accounts, and updating millions of member records, which can take several weeks.
Shetty said, "For FY 2025–26, EPF deposits earn 8.25% interest. The interest accrues on eligible balances even if the entry is not yet visible in your passbook. Members should periodically check for the update marked "Int. Updated up to 31/03/2026" in their EPF passbook. In most cases, a delay in reflection is administrative and does not affect the interest amount due to the member."
When was the EPF interest credited to subscribers’ account in the year 2025?
In 2025, a large number of EPF members got interest credited to their respective accounts in June and July.
Experts say that the process has gathered speed as earlier, the interest used to be credited in September and October. However, this time, it may be credited in June and July.
However, the real date of the EPF interest credit will be known after the government’s notification.
Will you lose the interest amount if the EPF interest credit is delayed?
According to paragraph 60 of the EPF Scheme of 1952, interest is computed on the monthly running balance even if it is credited at the end of the fiscal year. As a result, the member does not suffer in the event of any delay in crediting interest to his account.
The EPFO calculates interest based on the monthly running balance, ensuring every contribution earns the full declared rate. Interest is compounded annually, so even if crediting happens late, the full amount is added to your closing balance for the year.
The EPFO on multiple occasions has responded to several such queries saying that there would be no interest loss and that interest would be accrued and paid in full.
How to check if your EPF interest has been credited to your account
Whenever EPFO credits interest, it will appear in your EPF balance. So, for that, you need to check your EPF balance. Here’s how you can do it through four ways-
a) By using the Umang app
b) By visiting EPF member e-sewa portal
c) By giving missed call
d) By sending SMS
How to check EPF balance on UMANG app
Step 1: Download and install Umang app
Step 2: Register from your mobile number
Step 3: Choose ‘EPFO’ from options
Step 4: Click ‘View Passbook.’
Step 5: After entering your UAN, click Get OTP.
Step 6: Select ‘Login.’
Your passbook and EPF balance will be shown on the screen.
How to check EPF balance using EPFO portal
Go to the employee section of the EPFO website and click on ‘Member Passbook’.
By entering your UAN and password, you can gain access to the PF passbook. Employee and employer contributions, as well as opening and closing balances, will be displayed.
The sum of any PF transfers, as well as the amount of PF interest generated, will also be shown.
The EPF balance can also be viewed with a passbook.
How to check EPF balance by giving missed call
To check your PF account balance, you can give a missed call from your mobile number on 9966044425.
EPFO will send you details of your last contribution along with the PF balance.
However, for that, you need to have an activated UAN and your mobile number should be registered with UAN.
How to check EPF balance by sending SMS
If your UAN is registered with the EPFO, you may get information about your recent contribution and the PF balance by sending an SMS to 7738299899.
You have to send the following communication: UAN EPFOHO ENG.
The first three letters of the requested language are ‘ENG’.
To receive the message in Marathi, enter EPFOHO UAN MAR.
Verify that your bank account, Aadhaar, and PAN are seeded into your UAN, or update the most recent data.
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