Did you receive 8.25% EPF interest today in your account? Here's how you can check it

Members of the Employees' Provident Fund Organization (EPFO) are anticipated to receive interest in their provident fund accounts for FY 2025–2026 (FY 25-26) today (Wednesday, July 15, 2026). Union Labour Minister Mansukh Mandaviya had recently said that the EPFO would process interest payments for about 34 crore member accounts soon. He had said that the revised balance after receiving interest would be accessible by July 15, 2026, in EPF accounts of many EPFO subscribers.

The Finance Ministry had also confirmed that EPFO subscribers would get an 8.25% interest rate on their EPF contributions for the Financial Year 2025-26.

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.

Also read: EPFO update: 10 key changes new centralised system brings to EPF, EPS subscribers

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 EPF 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 the 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 Google 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.