EPFO has started crediting 8.25% interest. If interest has not shown in your PF account yet, there is no need to panic. Know whether there will be any loss if interest is received late?
EPFO Interest Credit Update: There is big news related to Employees Provident Fund Organization (EPFO) for employed people. After the approval of the Central Government, PF money has started being deposited in the accounts of subscribers at an annual interest rate of 8.25% for the financial year 2025-26. Often in previous years, this interest money would appear in the passbook in the month of October or November. But this time, for the first time in history, EPFO has started sending interest money to the accounts from July 15 itself. In such a situation, if you have checked your PF passbook and interest money is not visible in it yet, then this question must be coming in your mind that will you suffer any loss in interest if the money comes late? Let us know the answer…
What will be your loss due to delay in updating PF balance?
If the interest money is not yet reflected in your PF account, then you do not need to worry at all, because you will not lose even ₹ 1! EPFO has clarified that late entry in the passbook does not mean that you will get less interest. There are two big reasons behind this
Calculation by month
PF interest is calculated every month on the basis of the closing balance in your account (Monthly Running Balance). Whether this entry appears in your passbook today or after two months, you will get the full entitled interest for the entire year.
administrative delay only
The delay in passbook is just a technical or administrative process. There are crores of PF accounts in the country, hence EPFO updates this money in installments according to different regional offices.
Why is PF interest coming this time only in July?
The biggest reason for getting interest money in the month of July this time instead of October-November is the new digital structure of EPFO. EPFO has launched CITES 2.01 (Centralised IT Enabled Services) platform by upgrading its technical system. Because of this new system, most of the back-end work has become automatic (computerized). For this reason, processes like account transfer, claim settlement and interest deposit are no longer taking months.
How to check PF balance at home?
EPFO Portal: You can view your updated entries by logging into the official PF Passbook portal with the help of your UAN number and password.
Umang App: Go to the government’s official Umang app and search ‘EPFO’ and check your passbook through UAN and OTP.
With just one missed call: If your UAN is linked to your bank account and PAN card, you can get the balance message instantly by giving a missed call to 9966044425 from your registered mobile number.
By sending SMS: You can send a message by typing EPFOHO UAN ENG to 7738299899 from your registered mobile number. If you want in Hindi then write HIN at the end.
Disclaimer: This article has been prepared only for general information and awareness purposes. For any official or latest information related to PF account, rules and balance, always follow the official website and guidelines of EPFO.