EPF 8.25% Credit by July 15: Is Your PF Updated?
EPFO will credit 8.25% annual interest to all EPF accounts by July 15, 2026. This is the third year in a row the rate stays the same. Here's how to quickly check if your account has been updated.
Your EPF interest this year could equal 3–4 months of your chai-and-lunch budget — and most people never bother to verify it landed.
Your EPF balance earns this rate — check if it's credited yet
Key Takeaways
Check your updated EPF balance on the UMANG app under 'EPFO > Employee Centric Services > View Passbook' after July 15.
Send an SMS — 'EPFOHO UAN ENG' to 7738299899 — to get your latest balance instantly on your registered mobile number.
Log in to the EPFO member portal (passbook.epfindia.gov.in) and verify both your employer's contributions and the interest row are correctly posted.
EPFO will credit 8.25% annual interest to all EPF accounts by July 15, 2026. This is the third year in a row the rate stays the same. Here's how to quickly check if your account has been updated.
Here's what happened: EPFO has set July 15, 2026 as the deadline to credit 8.25% interest on EPF balances for FY 2025-26.. The 8.25% rate is unchanged for the third consecutive year, keeping EPF competitive against most bank FDs.. Interest is calculated monthly on your running balance but posted to accounts once annually after EPFO-government approval..
What you should do: Check your updated EPF balance on the UMANG app under 'EPFO > Employee Centric Services > View Passbook' after July 15.. Send an SMS — 'EPFOHO UAN ENG' to 7738299899 — to get your latest balance instantly on your registered mobile number.. Log in to the EPFO member portal (passbook.epfindia.gov.in) and verify both your employer's contributions and the interest row are correctly posted..
If your passbook shows no interest credit by July 20, raise a grievance on epfigms.gov.in — delayed credit is rare but fixable and your money is never lost.
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- [1]“EPF interest credit by July 15, 2026: How to check if 8.25% interest has been credited to your PF account” Wealth-Economic Times · 8 Jul 2026
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