The easiest way to check your PF balance! Find out right now whether the 8.25% interest has been credited..
There is welcome news for crores of Employees' Provident Fund Organisation (EPFO) members. Interest at the rate of 8.25% for the financial year 2025-26 is now being credited to employees' EPF accounts. Union Minister for Labour and Employment Mansukh Mandaviya recently stated that the EPFO would complete the process of crediting interest to approximately 34 crore member accounts. He also mentioned that the updated balance, reflecting the credited interest, would begin to appear in many members' accounts by July 15, 2026.
The Ministry of Finance has already approved the 8.25% interest rate on EPF for the financial year 2025-26. Consequently, employees can now easily verify whether the interest has been credited to their accounts.
**Check EPF Balance Using These Methods**
The EPFO offers its members several options to check their PF balance. You can view your account details via the UMANG app, the EPFO Member e-Sewa portal, SMS service, missed call service, and Passbook Lite.
If you wish to check your balance online, visit the EPFO Member Passbook portal and log in using your 12-digit UAN, password, and captcha. Next, enter the OTP received on your Aadhaar-linked mobile number. Then, by selecting the 'Passbook Lite' option, you can view details regarding the amount deposited, interest earned, withdrawals, and your current balance.
**Information Available via SMS and UMANG App**
If your UAN is active, you can send an SMS with the text 'EPFOHO UAN' to 7738299899 from your registered mobile number. In response, you will receive details regarding your last PF contribution, current balance, and KYC status. This facility is available in 10 languages, including Hindi.
Additionally, you can easily view your PF balance, contributions, claim status, and recent transactions through the UMANG app. The app also provides a transaction summary for the last three months, and the complete passbook can be downloaded as a PDF.
No need to panic if there is a delay in the interest credit.
Sometimes, there may be a delay of a few days in the interest being credited to the account. However, the EPFO has clarified that this does not result in any financial loss for members. Under Paragraph 60 of the EPF Scheme, 1952, interest is calculated based on the running monthly balance. Therefore, even if the interest is credited to the account later, the member receives the full amount.
If the 8.25% interest is not yet visible in your PF account, wait for some time and check your balance again using any of the methods mentioned above. The EPFO credits interest to accounts in a phased manner; consequently, not all member accounts are updated simultaneously.
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