EPF 8.25% Interest Due: Did Your PF Get Credited?
EPFO will credit 8.25% interest for FY 2025-26 into all EPF accounts by July 15, 2026. This is the third year in a row the rate stays unchanged. Here's how to check if your money has landed.
8.25% on EPF beats most bank FDs — yet millions never check their balance
Your EPF account earns this rate — check if it's credited yet
Key Takeaways
Check your EPF balance on the UMANG app or EPFO member portal after July 15 to confirm interest has been credited.
Send an SMS — 'EPFOHO UAN ENG' — to 7738299899 from your registered mobile to get your latest passbook update.
Verify your UAN is activated and your Aadhaar, PAN, and bank account are linked on the EPFO portal to avoid any credit delays.
EPFO will credit 8.25% interest for FY 2025-26 into all EPF accounts by July 15, 2026. This is the third year in a row the rate stays unchanged. Here's how to check if your money has landed.
Here's what happened: EPFO will credit 8.25% annual interest for FY 2025-26 into subscriber accounts by July 15, 2026.. This is the third consecutive year the EPF interest rate has stayed at 8.25%, unchanged since FY 2023-24.. Interest is calculated monthly on your running EPF balance but officially credited once a year after government approval..
What you should do: Check your EPF balance on the UMANG app or EPFO member portal after July 15 to confirm interest has been credited.. Send an SMS — 'EPFOHO UAN ENG' — to 7738299899 from your registered mobile to get your latest passbook update.. Verify your UAN is activated and your Aadhaar, PAN, and bank account are linked on the EPFO portal to avoid any credit delays..
Pro tip: Even if interest appears delayed in your passbook, no money is lost — EPFO calculates interest from April 1 and backdates the credit once government formally notifies the rate.
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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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