EPF Interest at 8.25%: Is Your Balance Updated?
EPFO is crediting interest for FY2025-26 at 8.25% per year into member accounts this month. If you have an EPF account, now is the right time to check your passbook and confirm your updated balance.
At 8.25%, a ₹5L EPF balance earns ~₹3,437/month — more than many FDs pay.
Your EPF savings are earning this rate — are you tracking it?
Key Takeaways
Log in to the EPFO member portal (passbook.epfindia.gov.in) and download your passbook to verify the interest credit appears for FY26.
Calculate your expected interest: add your April 2024 opening balance plus total contributions made through March 2025, then multiply by 8.25% to cross-check the amount credited.
Ensure your UAN is activated and your KYC (Aadhaar, PAN, bank account) is updated on the EPFO portal so there are no delays in any future withdrawals or transfers.
EPFO is crediting interest for FY2025-26 at 8.25% per year into member accounts this month. If you have an EPF account, now is the right time to check your passbook and confirm your updated balance.
Here's what happened: EPFO is crediting FY2025-26 interest at 8.25% p.a. into member EPF accounts this month across India.. The 8.25% rate was approved by the government earlier this year, matching last year's rate for employees.. Interest is calculated monthly on the opening balance plus contributions but credited annually at year-end..
What you should do: Log in to the EPFO member portal (passbook.epfindia.gov.in) and download your passbook to verify the interest credit appears for FY26.. Calculate your expected interest: add your April 2024 opening balance plus total contributions made through March 2025, then multiply by 8.25% to cross-check the amount credited.. Ensure your UAN is activated and your KYC (Aadhaar, PAN, bank account) is updated on the EPFO portal so there are no delays in any future withdrawals or transfers..
EPF interest is tax-free only up to ₹2.5 lakh in annual employee contributions — contributions above that threshold are taxed on the interest earned, so track your yearly contribution total carefully.
Check Your EPF 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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