Employees’ Provident Fund Organisation (EPFO) has already credited interest into most EPF accounts — much earlier than expected. Usually, interest is added around August or September. But this year, lakhs of employees started seeing the interest amount reflected in their passbooks as early as July 2025.
Quick Summary – EPFO Interest Credit 2025
| Key Details | Information |
|---|---|
| Interest Rate | 8.15% for FY 2023–24 |
| Total Accounts Processed | 32.39 crore out of 33.56 crore |
| Status | Credited to most accounts in early July 2025 |
| Check Online | https://epfindia.gov.in |
| SMS Format | EPFOHO UAN ENG to 7738299899 |
| Missed Call | 011-22901406 |
| Helpline | 1800-118-005 |
What’s the Interest Rate on EPF This Year?
Earlier this year, EPFO announced that the interest rate for the financial year 2023–24 would be 8.15%.
As of now, the Union Labour Minister Mansukh Mandaviya confirmed that interest has been credited to over 96% of EPF accounts, covering more than 32.39 crore accounts out of the total 33.56 crore.
That’s a big move—and a big relief for private sector employees relying on PF savings for future planning.
How to Check Your PF Balance Instantly
You don’t need to visit your office or stand in line. EPFO allows you to check your balance using these simple methods:
Check Your EPF Balance Online (Passbook Portal)
Here’s how to do it from your computer or mobile browser:
- Go to the official EPFO website: https://www.epfindia.gov.in
- Click on ‘Member Passbook’ (you’ll be redirected to: https://passbook.epfindia.gov.in)
- Enter your UAN number, password, and captcha
- Choose your member ID (if you have more than one)
- You’ll now see the complete balance, interest, and contribution history
Use the UMANG App (Mobile App Method)
For those who prefer using mobile apps:
- Download the UMANG app from Google Play or App Store
- Open it and go to the EPFO section
- Log in using your UAN and the OTP received on your registered mobile
- Tap on ‘View Passbook’ to check your updated balance
Check PF Balance via SMS (Offline Method)
Even if you don’t have internet access, you can still check your PF balance via SMS:
- Send a message from your registered mobile number to 7738299899
- Format:
EPFOHO UAN HIN
(Replace ‘HIN’ with your preferred language code – e.g., ENG for English, HIN for Hindi) - You’ll receive an SMS with your current balance and last contribution details
Get Your Balance with a Missed Call
- Dial 011-22901406 from your registered mobile number
- After one ring, the call will disconnect automatically
- Within seconds, you’ll get an SMS with your PF balance and interest details
Why This Early Interest Credit Is a Big Deal
You might be wondering — why does it matter if the interest was credited early?
Here’s why:
- Employees can plan financial goals like investments, EMIs, or savings more confidently
- It builds trust in the system and strengthens transparency between EPFO and workers
- It shows how digital upgrades are helping improve government service speed
- Faster credits reduce confusion or delay-related complaints from members
What to Do If You Haven’t Received the Interest Yet?
If your passbook still doesn’t show interest for FY 2023-24:
- Contact your employer’s HR or payroll department
- Call the EPFO helpline: 1800-118-005
- Ensure your UAN is active, mobile number is linked, and KYC is updated
Sometimes, interest credits are delayed by a few days depending on your regional office or technical errors. But most users should see the balance updated by mid-July 2025.
