🔥 Trending EPF Interest Crediting Process: How to Check Your FY25-26 Credit Status

The Employees' Provident Fund Organisation (EPFO) has begun crediting the 8.25% annual interest for the financial year 2025-26 to EPF accounts, with entries visible from July 15, 2026 ¹²⁵. This marks the third consecutive year the interest rate has remained unchanged ¹⁷. Approximately ₹1.44 lakh crore is being distributed to nearly 34 crore accounts ¹⁰.

It's important to note that while interest is calculated on monthly running balances, it is credited annually after necessary approvals ⁹. Previously, it could take until October-November for the interest to be credited, but for FY2025-26, members can expect to see it in their passbooks by July 15 ⁸.

Methods to Check EPF Interest Credit Status

EPFO provides several convenient ways for members to check their PF balance and verify if the interest has been credited.

1. Through the EPFO Member Passbook Portal

This is one of the most comprehensive methods to view your detailed passbook, including interest credits.

Steps:

1. Visit the official EPFO website: Go to the EPFO Member Passbook portal ¹⁰.
2. Enter your UAN and Password: You will need your Universal Account Number (UAN) and the associated password to log in.
3. Select your Member ID: If you have multiple PF accounts, select the relevant Member ID.
4. View Passbook: Your passbook will display all transactions, including contributions from you and your employer, as well as the annual interest credited. Look for an entry indicating "Interest Credit" or similar for the financial year 2025-26 ²⁵.

2. Using the UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app is a government initiative that provides access to various government services, including EPFO services.

Steps:

1. Download and Install: If you haven't already, download the UMANG app from your smartphone's app store (Google Play Store or Apple App Store).
2. Register/Log in: Register using your mobile number and complete the one-time registration process.
3. Search for EPFO: In the app, search for "EPFO" services.
4. Select "View Passbook": Choose the "View Passbook" option.
5. Enter UAN: Provide your UAN. An OTP (One-Time Password) will be sent to your registered mobile number.
6. Enter OTP: Enter the OTP to view your passbook and check the interest credit ¹⁵¹⁰.

3. Via SMS Service

If your UAN is activated and linked to your bank account, you can receive your PF balance details via SMS.

Steps:

1. Send an SMS: Type EPFOHO UAN LAN (where LAN is the first three letters of your preferred language, e.g., ENG for English, HIN for Hindi) ⁵.
2. Send to 7738299899: Send this SMS to the designated EPFO number: 7738299899 ¹⁵¹⁰.
3. Receive Reply: You will receive an SMS with your PF balance, including the credited interest ⁵.

Note: This service is available in multiple languages. Ensure your UAN is seeded with your bank account, Aadhaar, and PAN for this service to work effectively ⁵.

4. Through a Missed Call

This is a quick and easy way to get your PF balance if your UAN is linked with your bank account and KYC details are complete.

Steps:

1. Dial the Number: Give a missed call to 9966044425 from your registered mobile number ⁵¹⁰.
2. Receive SMS: You will receive an SMS containing your PF balance details shortly after the missed call ⁵.

Important Considerations

• Timelines: While the process of crediting interest started on July 15, 2026, it might take a few days for the update to reflect in all accounts ¹⁸.
• KYC Compliance: Ensure your Know Your Customer (KYC) details (Aadhaar, PAN, bank account) are updated and linked with your UAN for seamless access to these services ⁵.
• UAN Activation: Your UAN must be activated to use most of these services. If it's not activated, you can do so on the EPFO member portal.
• Interest Calculation: The interest is calculated on the monthly running balance of your EPF account for the financial year 2025-26 ⁹.

By utilizing these methods, EPF members can easily verify the credit of their 8.25% interest for the financial year 2025-26.