Employees Provident Fund
For employed people, Employee Provident Fund (EPF) is an important means of financial security after retirement. In such a situation, it becomes important for the employees to keep checking their EPF account from time to time. This can ensure that the contributions of both the employee and the employer are being deposited regularly and the annual interest is also being credited to the account at the right time.
Employees’ Provident Fund Organization (EPFO) has fixed 8.25 percent annual interest rate on EPF for the financial year 2025-26. After this interest is deposited in the account, members can confirm it through their EPF passbook.
How to check whether interest is credited or not
To view the information about interest deposited in the EPF account, members can log in to the Unified Member Portal of EPFO. After this, the details of the transaction can be seen by going to the EPF passbook section.
If the interest has been deposited in the account, then an entry like Interest updated up to 31/03/2026 will appear in the passbook. This indicates that the interest for the financial year 2025-26 has been successfully credited to the account.
If a member faces any doubt or discrepancy regarding interest credit, he can seek assistance through EPFO’s helpline or grievance redressal system.
Check PF contribution every month
As per EPFO rules, the employer has to deposit the employee’s EPF contribution within 15 days of the end of the salary month. In such a situation, employees should ensure that both the PF deducted from their salary and the employer’s contribution are reaching their account on time.
EPFO portal or UMANG app can be used for this. Complete record of contributions of both the employee and the employer is available in the EPF passbook. At the same time, monthly balance information can also be easily seen.
What to do if the employer does not deposit the contribution?
If PF is being deducted from the employee’s salary but the amount is not visible in the EPF account, then first of all the employer should be contacted. If the problem is not resolved, the employee can lodge a complaint on EPFO’s official complaint portal EPFiGMS.
The future will be safe with regular monitoring
Experts believe that regular checking of EPF account helps employees keep an eye on their retirement savings. With this, any kind of irregularity can be detected in time and future financial security can be strengthened. Now this process has become easier than ever through the online services of EPFO.
