EPF Interest at 8.25%: Is Yours Credited Yet?
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 the same. You can check your updated balance on the UMANG app or by SMS right now.
8.25% EPF beats most bank FDs — your employer match doubles the win
Your EPF balance grows at this rate — credit hits by July 15
Key Takeaways
Check your EPF balance on the UMANG app after July 15 — go to EPFO > Employee Centric Services > View Passbook.
Send an SMS 'EPFOHO UAN ENG' to 7738299899 to get your latest balance instantly on your registered mobile number.
Compare your updated EPF passbook balance against your salary slips to confirm both your and your employer's contributions are correct.
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 the same. You can check your updated balance on the UMANG app or by SMS right now.
Here's what happened: EPFO will credit 8.25% annual interest for FY 2025-26 into member accounts by July 15, 2026.. This is the third consecutive year the EPF interest rate has stayed unchanged at 8.25%.. Interest accrues monthly internally, so a late credit date does not mean you lose any interest earned..
What you should do: Check your EPF balance on the UMANG app after July 15 — go to EPFO > Employee Centric Services > View Passbook.. Send an SMS 'EPFOHO UAN ENG' to 7738299899 to get your latest balance instantly on your registered mobile number.. Compare your updated EPF passbook balance against your salary slips to confirm both your and your employer's contributions are correct..
Pro tip: If your EPF passbook shows no interest credit even after July 15, your employer may have delayed depositing contributions — file a grievance on epfigms.gov.in immediately to protect your interest.
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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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