The government today (Wednesday, July 8, 2026) announced that the Employees’ Provident Fund interest for the Financial Year 2025-26 will be credited to subscribers’ accounts by July 15, 2026.
The statement came a few days after the Finance Ministry confirmed that Employees’ Provident Fund Organisation (EPFO) subscribers will get an 8.25% interest rate on their EPF contributions for the Financial Year 2025-26.
This is also the third consecutive year that the EPF interest rate has remains unchanged. With the interest rate now officially confirmed, crores of EPFO subscribers had been waiting for the date of announcement of interest credit.
What did Centre say about the EPF interest credit?
Union Minister for Labour and Employment Mansukh Mandaviya said on Wednesday that the annual interest for Financial Year 2025-26 at an 8.25% rate to 34 crore member accounts will be auto-processed and credited to account by July 15, 2026.
Sonal Arora, country manager, GI Group Holding, "From an employee point of view, their EPF continues to be one of their biggest financial assets, which is still least known to them. People tend to think about this fund mostly during job changes or in connection with their retirement plans. The timely crediting of the interest earned shows that retirement planning must begin well before someone reaches retirement age.”
How can you check if EPF interest has been credited to your EPF account?
Whenever the EPFO credits EPF interest, it reflects in your EPF balance. Subscribers can check their EPF balance through:
● UMANG app
● EPFO Member e-Sewa portal
● Missed call service
● SMS service
They can also access Passbook Lite on the EPFO Member Passbook portal for a quick account summary.
How to check EPF balance through Passbook Lite?
1. Go to the official EPFO Member Passbook portal and sign in using your 12-digit Universal Account Number (UAN), password, and the security captcha.
2. Verify the OTP sent to your Aadhaar-linked mobile number.
3. Click on View and select Passbook Lite to view your recent contributions, withdrawals, and balance details.
How to check your PF balance via SMS?
UAN-activated members can check their latest PF contribution and balance with the EPFO by sending an SMS to 7738299899 from their UAN-registered mobile number.
Send the message in this format- “EPFOHO UAN”. Do not forget to include your UAN number in the text. If you wish to receive the response in a regional language, add the code of your preferred language after your UAN in the text. This facility is available in 10 languages, and the EPFO will respond with details of the last PF contribution, current balance, and available KYC information.
The languages available for response are- English (default), Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL), and Bengali (BEN).
How to check your EPF balance using the UMANG app?
To check your EPF balance via your phone, simply download the UMANG app from the Play Store or App Store. After installing the same, log in and link your Universal Account Number (UAN) to access EPFO services. Once linked, you can easily view your PF balance, track contributions, and even raise claims via the UMANG app. Users can also take a summarised glance at transactions done in their pension account of PF for the last 3 months, and the rest can be downloaded as a PDF.
Will you lose EPF interest if credit is delayed?
No. According to Paragraph 60 of the EPF Scheme, 1952, interest is calculated on the monthly running balance even if it is credited at the end of the fiscal year. The EPFO has clarified on multiple occasions that subscribers do not suffer any loss due to a delay in interest credit, as the interest continues to accrue.
