EPFO FAQs: Has your company deposited your PF on time? Here is a simple way to check your monthly balance..

If you are a salaried employee and have PF deductions every month, tracking updates on your EPF account has become very easy. The Employees' Provident Fund Organisation (EPFO) offers several digital methods allowing employees to easily check their accumulated balance, interest earned, and employer contributions.

Essentially, contributions from both the employee and the employer are deposited into the EPF account monthly, and interest is added at the end of the year. The interest rate on EPF has been maintained at 8.25% for the 2025-26 financial year; this amount is credited to the account after the year concludes.

How does the PF balance grow?
A portion of your basic salary and Dearness Allowance (DA) is deposited into the EPF account monthly. This includes contributions from both the employee and the company. Interest on the total balance is calculated monthly but is credited to the account once a year.

How to check EPF balance and interest
Salaried employees can easily access their PF account details through several methods:

1. Check via the EPFO ​​Portal
Visit the official EPFO ​​portal (https://unifiedportal-mem.epfindia.gov.in/), log in using your UAN and password, and navigate to the 'Passbook' section to view full details. Here, you will see entries for monthly contributions and interest.

2. Via the UMANG App
Mobile users can download the UMANG app, go to 'EPFO services,' and select the 'View Passbook' option to check their balance.

3. Via SMS and Missed Call
You can check your PF balance even without internet access:
* Send an SMS from your registered mobile number.
* Or, give a missed call to the number provided on the portal.
You will receive the balance details on your mobile phone instantly.

No need to panic if there is a delay
Employees often worry if the PF interest hasn't appeared, but in reality, it is usually just a delay in updating the records. According to the EPFO, interest is calculated for the entire year and credited in a lump sum later; therefore, a delay does not result in any financial loss. Why is it important to check your PF every month?
* To spot incorrect deductions or delays
* To verify if the company is making timely deposits
* To get an accurate estimate of your retirement savings

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.