EPF Interest at 8.25%: Check Your Balance in 3 Steps
EPFO is crediting interest for FY2025-26 at 8.25% per year. If you have a PF account, your balance just grew. Here is how the interest is calculated and how to check what you actually earned.
At 8.25%, a ₹5L EPF balance earns ~₹3,437/month — more than most savings accounts pay in a year.
Your EPF balance is earning this rate — but most people never check
Key Takeaways
Log in to the EPFO member portal at passbook.epfindia.gov.in using your UAN and check your updated passbook for the FY26 interest credit.
Calculate your expected interest: add your monthly closing balances for all 12 months, multiply the total by 8.25%, then divide by 1200 — that is your annual interest earned.
Verify your employer is depositing your PF on time every month — delayed deposits mean you lose interest for those months, and you can raise a grievance on the EPFO portal.
EPFO is crediting interest for FY2025-26 at 8.25% per year. If you have a PF account, your balance just grew. Here is how the interest is calculated and how to check what you actually earned.
Here's what happened: EPFO is crediting EPF interest for FY2025-26 at 8.25% per annum to all active and inactive member accounts this month.. Interest is calculated monthly on your running balance but credited as a lump sum at the financial year end — not month by month.. Members can check their updated passbook and closing balance on the EPFO member portal once interest is posted to their account..
What you should do: Log in to the EPFO member portal at passbook.epfindia.gov.in using your UAN and check your updated passbook for the FY26 interest credit.. Calculate your expected interest: add your monthly closing balances for all 12 months, multiply the total by 8.25%, then divide by 1200 — that is your annual interest earned.. Verify your employer is depositing your PF on time every month — delayed deposits mean you lose interest for those months, and you can raise a grievance on the EPFO portal..
Interest is computed on the monthly closing balance, so any withdrawal mid-year reduces your interest earned for remaining months — avoid partial withdrawals unless absolutely necessary.
Check Your PF Balance
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- [1]“EPF interest being credited this month: Here's how to calculate your monthly earnings at 8.25% p.a.” mint - money · 9 Jul 2026
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