The Employees’ Provident Fund Organisation (EPFO) has started depositing 8.25% interest for the financial year 2024–25 into members’ PF accounts. Even though you might not have received a message or email, many employees across India have already seen the interest added to their passbook.
That’s a relief for those depending on EPF as a major part of their retirement savings.
Over 8 Crore Employees to Benefit
This interest rate was recommended by the Central Board of Trustees in February 2025, and later approved by the Finance Ministry. It applies to nearly 8 crore active contributors.
According to financial experts, EPF continues to offer better long-term returns than fixed deposits or savings accounts. It’s also a low-risk, tax-efficient investment for salaried workers planning their retirement.
When Is Interest Actually Added?
There’s often confusion here.
- EPFO calculates interest every month
- But it’s credited all at once, after the end of the financial year
- Usually, the crediting process finishes between June and August
- Interest is compounded annually—so the more you keep, the more it grows
Important: Interest is added only to the EPF share, not to the pension fund (EPS) portion.
How to Check If EPF Interest Is Deposited – 4 Simple Ways
Wondering if the interest has reached your account yet? Here are four reliable ways to check:
1. EPFO Website (e-Passbook)
This is the most detailed method.
- Visit: https://www.epfindia.gov.in
- Click on ‘e-Passbook’
- Login using your UAN, password, and captcha
- Enter the OTP received on your registered mobile
- Select your PF account to view passbook
- Scroll to the latest entries—you’ll see if interest has been added
2. UMANG Mobile App
If you prefer mobile:
- Download and open the UMANG App
- Go to the EPFO section
- Tap on ‘View Passbook’
- Login with UAN and OTP
- Your latest balance and interest updates will be visible
3. SMS Service
You can get your balance by SMS:
- Type:
EPFOHO <space> UAN - Send to: 7738299899
- Example:
EPFOHO 123456789012
4. Missed Call Service
Want the quickest option?
- Dial 011-22901406 from your registered mobile number
- Wait for the call to disconnect
- You’ll receive an SMS with your balance and last contribution
Quick Table Overview
| Method | What You Need | Info You Get |
|---|---|---|
| EPFO Website | UAN, password, OTP | Full passbook + interest |
| UMANG App | UAN, OTP | Balance + history |
| SMS | Registered mobile, UAN | Balance info via SMS |
| Missed Call | KYC-verified mobile | Balance via SMS |
Is It Not Showing Yet?
If your interest hasn’t appeared yet, don’t panic. Sometimes, it takes a few days to reflect even after crediting begins. Reasons might include:
- Your bank or UAN is not updated
- Your KYC is incomplete
- The system update for your account is still processing