New Delhi: The Employees Provident Fund Organisation (EPFO) has begun crediting an 8.25 percent interest rate to the provident fund accounts of its members for the financial year 2025-26. While many subscribers have already received confirmation messages regarding the credited interest, officials have advised those who are yet to receive an SMS not to panic.
The interest credit process, which officially commenced on July 15, 2026, is being executed in a phased manner. Because the deposits are processed in multiple batches, it may take some time for the updated balance to reflect across all member accounts.
Instead of waiting for an SMS notification, EPF members can proactively check their account balance and interest status using three official methods. Subscribers can log into the EPFO Unified Member Portal using their Universal Account Number (UAN) and password. By navigating to the ‘Member Passbook’ section, members can view their opening and closing balances, contributions from both employee and employer, any PF transfers, and the recently credited interest.
For those who prefer a quicker alternative, the EPFO offers a missed call service. Members can simply give a missed call to 011-22901406 from their registered mobile number to receive their PF balance details. This service is completely free but requires the UAN to be linked with Aadhaar, PAN, and a bank account.
Alternatively, members can check their balance via SMS by sending “EPFOHO UAN ENG” to 7738299899. If a user wishes to receive the information in a different language, they can replace “ENG” with the first three letters of their preferred language, such as “MAR” for Marathi.
Addressing concerns about delayed credits, the EPFO clarified that subscribers will not suffer any financial loss. According to Paragraph 60 of the EPF Scheme, 1952, interest is calculated on a monthly running balance basis, even if the actual amount is credited at the end of the financial year. This ensures that every member receives the full interest amount at the declared rate, regardless of when the credit reflects in their passbook.