Employees Provident Fund Organization
Employees’ Provident Fund Organization (EPFO) has decided to maintain the interest rate on Employees’ Provident Fund (EPF) at only 8.25% for the financial year 2025-26. This decision was announced in March 2026. Since then, lakhs of EPF members are waiting for the interest to be deposited in their account and want to know when this money will appear in their account.
When was the 8.25% interest rate announced?
In the first week of March 2026, EPFO had announced the continuation of 8.25% interest rate on EPF for the financial year 2025-26. According to the Ministry of Labor and Employment, the Central Board of Trustees (CBT) of EPFO had recommended 8.25% annual interest on EPF deposits for the financial year 2025-26.
When will interest come to EPF account?
At present EPFO has not announced any fixed date for depositing interest. According to the information released by the Ministry, this interest will be deposited in EPF accounts only after the official notification of the Government of India is issued. Therefore, employees will have to wait for the approval and notification from the government.
Why is interest not deposited as soon as the financial year ends?
According to experts, the process of crediting interest involves government approval, matching of accounts and updating of crores of EPF accounts. This entire process may take several weeks.
According to Adil Shetty, CEO of BankBazaar.com, even if the interest entry is not visible in the passbook yet, the interest on the eligible amount continues to be calculated. Members can wait for “Int. Updated up to 31/03/2026” update in their passbook.
When did the interest come last year?
In the year 2025, interest was deposited in the accounts of a large number of EPF members during June and July. Experts say that earlier this process used to drag on till September or October, but now it has accelerated. This year also the interest is likely to be deposited in June or July, although the last date will depend on the notification of the government.
Will there be any loss due to delay?
No. Under the rules of EPF Scheme 1952, interest is calculated on the basis of monthly running balance. This means that even if the interest entry appears in the account later, the member will still get the full interest. There is no deduction in the interest amount due to administrative delay.
How to check whether EPF interest has been credited or not?
After interest is deposited, it will be visible in your EPF balance and passbook. Members can check their balance through the following means.
- UMANG App
- EPFO Member e-Sewa Portal
- By giving a missed call to 9966044425 from the mobile number linked to UAN.
- By sending SMS “UAN EPFOHO ENG” to 7738299899
To check EPF balance, your UAN must be active and linked to Aadhaar, PAN and bank account.
