EPFO Starts Crediting 8.25% Interest for FY 2025-26; Here’s How to Check Your PF Balance

The Employees’ Provident Fund Organisation (EPFO) has begun crediting 8.25% interest for the financial year 2025-26 to members’ accounts. Union Labour Minister Mansukh Mandaviya said the interest is being processed for around 34 crore EPFO member accounts. The interest credit is being rolled out through EPFO’s new Centralised IT Enabled Services (CITES) platform, and many members can now see the updated balance in their PF accounts, while others may see it over the next few days.

How to Check Your PF Balance

Members can check whether the interest has been credited through EPFO’s official services.

EPFO Member Passbook/Passbook Lite

To check your passbook:

• Visit the official EPFO Member Passbook portal.
• Log in using your 12-digit Universal Account Number (UAN), password and the security captcha.
• Complete the OTP verification sent to your Aadhaar-linked mobile number.
• Click “View” and select “Passbook Lite” to see the latest interest entry.

UMANG App

Members can also use the UMANG app to check their PF account. After linking their UAN, they can view monthly contributions, check recent transactions and download their passbook in PDF format. The app also provides a summary of recent account activity.

SMS Service

Members can check their PF balance by sending an SMS from their registered mobile number to 7738299899 in the following format:

EPFOHO <12-digit UAN>

Example:

EPFOHO 10XXXXXXXXXX HIN

Available language codes include HIN (Hindi), MAR (Marathi), TAM (Tamil), PUN (Punjabi) and GUJ (Gujarati).

Missed Call Service

Members whose UAN is activated and linked with their KYC details can also use EPFO’s missed call service to receive their account details.

Will You Lose Interest if the Credit Is Delayed?

No.

Under Paragraph 60 of the EPF Scheme, 1952, interest is calculated on the monthly running balance. Even if the interest is reflected in your passbook a little later because of processing, members do not lose any interest. The interest is calculated from the applicable date, so a delay in updating the passbook does not reduce the amount payable.