Employees Provident Fund Organization
In March 2026, the Employees’ Provident Fund Organization (EPFO) had retained the interest rate on EPF at 8.25% for the financial year 2025-26. But it has been more than two months since the new financial year 2026-27 started and the interest amount has not yet appeared in the accounts of many employees. In such a situation, a question is arising in the minds of many people that when will the interest come and will they suffer any loss due to the delay?
When was 8.25% interest rate announced?
In the first week of March 2026, EPFO had decided to continue the 8.25% interest rate on EPF for the financial year 2025-26. The Ministry of Labor and Employment had informed on March 2, 2026 that the Central Board of Trustees (CBT) has recommended depositing 8.25% annual interest in the EPF accounts of the members.
When will EPF interest come into account?
EPFO had announced the interest rate, but did not give any fixed date for depositing the interest. The interest amount is deposited in the accounts only after the official approval and notification of the government is issued.
Why is there a delay in crediting interest?
According to experts, EPFO does not deposit interest immediately after the end of the financial year. There are many administrative processes behind this, such as
- get government approval
- Reconciliation
- Updating records of crores of members
- All this work may take several weeks.
Will there be loss of interest due to delay?
The answer to this question is – No. According to Adil Shetty, CEO of Bankbazaar.com, even though the entry of interest appears late in the passbook, the interest is calculated regularly.
EPFO calculates the interest based on the running balance of every month and adds it at the end of the year. Therefore, even if interest is credited late, the member does not suffer any financial loss.
When did the interest come last year?
In the year 2025, a large number of EPF account holders had received interest amount during June and July. Earlier this process used to continue till September or October, but in recent years it has accelerated. This time also it is expected that interest may be deposited in the accounts during June-July. However, the last date will be clear only after the notification of the government.
How to know whether interest has been credited or not?
Whenever EPFO deposits interest, it will be reflected in your PF balance. You can check your balance in the following ways.
1. Through UMANG App
- Download UMANG App
- Register with mobile number
- Choose EPFO option
- Click on “View Passbook”
- Receive OTP by entering UAN
- After login you can see passbook and balance.
2. From EPFO portal
- Visit EPFO website
- Select “Member Passbook” option
- Login with UAN and password
- Here you will get information about employee and employer’s contribution, interest and total balance.
3. By giving a missed call
- Give a missed call to 9966044425 from your registered mobile number.
- Within some time EPFO will send information about your PF balance and last contribution through SMS.
4. By sending SMS
- Send SMS to 7738299899 from registered mobile number:
- UAN EPFOHO ENG
- If information is required in Hindi or other language then the language code can be changed.
urgent matter
To check PF balance or avail SMS service, your UAN must be active. Also, it is necessary to link Aadhaar, PAN and bank account with UAN. If interest has not shown in your account yet, there is no need to panic. Interest calculation continues and the amount will be fully credited to your account.
