EPFO Interest Credit 2025-26: How to Check If Your PF Account Has Been Updated

EPFO interest credit for FY 2025-26 began landing from July 15, 2026, at 8.25% — here’s how to check if your PF passbook is updated.

The Numbers Behind This Year’s EPFO Interest Credit

• Interest rate: 8.25% for FY 2025-26 — unchanged from the previous year
• Total amount being credited: approximately ₹1.44 lakh crore
• Members affected: around 34 crore (340 million) EPF subscribers nationwide
• Processing system: run through EPFO’s newer Centralized IT Enabled Services (CITES) platform, which consolidates member data into a single national database rather than separate local-office databases

Labour and Employment Minister Mansukh Mandaviya confirmed the credit would auto-process and then be verified by field authorities before reflecting in member balances, with most accounts expected to show the update by July 15.

How to Check: EPFO Member Passbook Portal

1. Go to the EPFO Member Passbook portal at epfindia.gov.in
2. Navigate to For Employees → Member Passbook
3. Log in with your UAN (Universal Account Number), password, and the captcha code
4. Complete OTP verification using your Aadhaar-linked mobile number, if prompted
5. Select the relevant PF account if you have more than one
6. Click View and select either the full Passbook or the quicker Passbook Lite summary
7. Look for a distinct interest entry for FY 2025-26 — if it’s there, your account has been updated

How to Check: UMANG App

1. Download the UMANG app from the Play Store or Apple App Store
2. Open the app and select your preferred language
3. Register using your mobile number
4. Choose EPFO from the list of services
5. Under Employee Centric Services, select View Passbook
6. Enter your UAN number
7. Enter the OTP sent to your registered mobile number
8. Your updated passbook, including the interest entry, will display on screen

How to Check Without Internet: Missed Call or SMS

If you don’t have internet access at the moment, EPFO offers two offline options using your EPFO-registered mobile number:

• Missed call: dial 9966044425 from your registered number — you’ll receive an SMS with your latest PF balance shortly after
• Make sure the number you’re calling from matches exactly what’s registered with EPFO, or this won’t work

If the Interest Isn’t Showing Yet

• Don’t panic and don’t file a complaint immediately — EPFO has explicitly said the update is rolling out gradually across the country, not all at once
• Interest is calculated on your monthly running balance throughout the year regardless of when the passbook itself updates — the timing of your passbook update doesn’t change how much interest you’ve earned
• Check back after a few days if nothing appears on July 15 itself
• If the balance still isn’t corrected after a reasonable wait, contact EPFO through its official grievance portal or customer care

What This Interest Actually Applies To

It’s worth knowing what the 8.25% rate covers and what it doesn’t:

• Applies to your own employee contribution and the EPF portion of your employer’s contribution
• Does not apply to the pension component (EPS) of your employer’s contribution
• Interest is compounded annually, even though it’s calculated monthly

Check Your EPF Passbook on the Official EPFO Portal →