EPFO members may begin seeing the annual interest for FY2025-26 reflected in their provident fund accounts from today July 15, as the retirement fund body starts crediting interest at the approved rate of 8.25% per annum.<\/p>\n
The annual interest rate of 8.25% works out to approximately 0.688% per month, according to a Cleartax report. Although the interest is calculated based on the monthly running balances, it is credited to EPF accounts once a year after the government notifies the interest rate.<\/p>\n
Earlier this month, Union Labour and Employment Minister Mansukh Mandaviya<\/a> said the retirement fund body was processing interest amounting to over \u20b91.44 lakh for around 34 crore member accounts, with updated balances expected to start reflecting by July 15, 2026.<\/p>\n The latest interest payout comes right after the Employees’ Provident Fund Organisation (EPFO) migrated its entire database to a new centralised digital platform under the Centralised IT Enabled Services (CITES) project.<\/p>\n How to check if your EPF interest has been credited<\/strong><\/p>\n There are several ways through which members can verify whether their annual EPF interest for FY 2026 has been credited. They can access these channels:<\/p>\n Members can log in to the EPFO Member Passbook portal using their 12-digit Universal Account Number (UAN), password and captcha. Once OTP verification is done through the Aadhaar-linked mobile number, they shall be able to access Passbook Lite to view their recent contributions, withdrawals and the updated provident fund account balance.<\/p>\n Also Read<\/strong> | EPFO alert: Why updating profile photo is crucial for e-nominations, PF claims<\/a><\/p>\n If you are using the UMANG app, you can also view your PF balance, track contributions, file claims, access pension transaction summaries and download detailed account statements using the platform.<\/p>\n Though EPFO services are now operational after the system migration , PF claims and other online service requests may experience some delays during this period, EPFO said on its website.<\/p>\n The major database consolidation and software upgrade caused nearly two weeks of downtime. The restoration of the retirement fund body’s online services for members and employers was delayed multiple times.<\/p>\n Will a delayed EPF interest credit cost you money?<\/p>\n No. Even if your annual interest is not reflecting in your account immediately, that does not mean you will lose any interest.<\/p>\n Also Read<\/strong> | EPFO automates PF transfer after job switch: Are exempted PF trusts covered?<\/a><\/p>\n Under Paragraph 60 of the EPF Scheme, 1952, interest is calculated on the monthly running balance and remains payable irrespective of when the credit entry appears in the account. As a result, a delay in displaying the interest in the passbook does not change the amount payable to subscribers of the scheme.<\/p>\n\n