Employees’ Provident Fund Organisation (EPFO) has begun crediting 8.25% interest for the financial year 2024–25 into member accounts, significantly ahead of its usual schedule.
Traditionally credited between August and September, this year’s update started in early July, with over 96.51% of accounts already updated as of July 8.
Labour Minister Mansukh Mandaviya confirmed that the remaining accounts will be credited within this week, completing the annual updation process for 33.56 crore member accounts across 13.88 lakh establishments.
The early rollout is part of EPFO’s push to improve transparency and efficiency in fund management.
EPFO Interest Rate Maintained at 8.25% for FY2024–25
The 8.25% interest rate, ratified by the Finance Ministry in May 2025, remains unchanged from the previous fiscal year.
This rate continues to offer competitive returns compared to other fixed-income instruments, contributing to long-term retirement savings for over 8 crore EPFO subscribers.
EPFO calculates interest monthly but credits it annually, typically after the financial year ends.
The credited interest is compounded and applies to both employee and employer contributions, excluding the pension portion.
How to Check Your EPF Balance in 5 Easy Ways
EPFO members can verify their updated balance using any of the following methods:
- UMANG App
- Download the app and log in with your mobile number and OTP
- Navigate to EPFO → View Passbook
- Enter your UAN and OTP to view your balance
- EPFO Website
- Visit epfindia.gov.in
- Go to Services → For Employees → Member Passbook
- Log in using your UAN and password
- Missed Call Service
- Dial 9966044425 from your registered mobile number
- You’ll receive an SMS with your latest PF balance
- SMS Service
- Send:
EPFOHO UAN ENGto 7738299899 - Replace “ENG” with your preferred language code (e.g., HIN for Hindi)
- Send:
- DigiLocker
- Link your UAN with DigiLocker
- Access your PF balance and statements via the app or website
What to Do If Interest Isn’t Reflected Yet
If your passbook doesn’t show the updated interest:
- Wait a few days and check again
- Ensure your UAN is active and KYC is complete
- Contact your employer or nearest EPFO office
- File an online grievance via the EPFO portal if needed
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