Employees across India are closely monitoring their Employees' Provident Fund (EPF) accounts after the government approved the 8.25% interest rate for the financial year 2025-26. With interest crediting expected to begin soon, many EPF subscribers are eager to know whether the amount has already been added to their accounts and how they can verify the updated balance.
The good news is that checking your EPF balance has become easier than ever. You no longer need to visit an EPFO office or wait for account statements. With a smartphone, computer, missed call service, or SMS facility, subscribers can quickly find out whether the latest interest amount has been credited.
Here's everything you need to know about checking your EPF interest status and updated account balance.
Government Approves 8.25% EPF Interest Rate
The government has approved an annual interest rate of 8.25% on EPF deposits for FY 2025-26. This marks another year in which EPF members will continue to receive competitive returns on their retirement savings.
The decision is expected to benefit more than 70 million EPFO subscribers across the country. Once the interest crediting process begins, eligible members will see an increase in their total provident fund balance.
As a result, many employees are now keeping a close watch on their accounts to confirm when the interest amount appears.
When Will the Interest Be Reflected?
According to reports, the process of crediting interest may begin by the end of June 2026. Once EPFO completes the necessary procedures, the interest amount will automatically be added to subscribers' accounts.
Members will not need to submit any separate request for the credit. The updated balance will become visible through EPFO's digital services and passbook records after processing is completed.
EPFO has also been working on technology upgrades aimed at improving service efficiency, which could help accelerate account updates and related processes.
Method 1: Check EPF Balance Through the EPFO Passbook Portal
One of the most reliable ways to verify whether interest has been credited is through the EPFO passbook service.
Steps to Access Your Passbook
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Visit the official EPFO member passbook portal.
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Select the E-Passbook option.
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Log in using your Universal Account Number (UAN) and password.
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Choose the relevant Member ID.
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Open your passbook to view detailed account information.
If the annual interest has been credited, the updated amount will be reflected in your account balance and transaction records.
Method 2: Check PF Balance Through a Missed Call
Subscribers who do not have internet access can still check their EPF balance quickly through EPFO's missed-call facility.
How It Works
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Use the mobile number registered with your UAN.
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Give a missed call to 011-22901406.
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The call will disconnect automatically.
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Within a short time, you will receive an SMS containing your EPF balance details.
This service offers a simple and convenient option for members who want instant information without logging into a website.
Method 3: Get Balance Details Through SMS
EPFO also provides an SMS-based balance inquiry service.
Steps to Use the SMS Facility
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Open the messaging application on your mobile phone.
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Type:
EPFOHO UAN HIN
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Send the message to 7738299899.
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After processing, EPFO will send account-related information to your registered mobile number.
Members can also receive responses in other supported languages by replacing the language code accordingly.
Why Checking Your PF Balance Matters
Many subscribers assume that they will automatically be notified when interest is credited. However, there are instances when the amount gets updated in the account before the member notices it.
Regularly checking your EPF balance helps you:
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Verify that interest has been credited correctly.
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Track retirement savings growth.
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Monitor employer and employee contributions.
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Detect discrepancies or missing transactions early.
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Stay informed about your long-term financial planning.
Keeping track of your EPF account can help ensure that your retirement savings remain accurate and secure.
What Changes Could EPFO Introduce Next?
EPFO is continuing its digital modernization efforts to improve member services.
Reports suggest that future upgrades may include faster withdrawal processing, enhanced online services, and more convenient access to account-related transactions. Discussions around UPI-based facilities and ATM-style access for certain EPF services have also generated significant interest among subscribers.
These initiatives are aimed at making provident fund management more user-friendly and aligned with India's rapidly evolving digital financial ecosystem.
Final Thoughts
With the 8.25% EPF interest rate approved for FY 2025-26, subscribers can expect their retirement savings to grow further once the interest amount is credited. Whether you prefer using the EPFO passbook portal, missed-call service, or SMS facility, checking your updated balance takes only a few minutes.
As EPFO continues to enhance its digital infrastructure, accessing account information and managing provident fund services is becoming increasingly convenient for millions of employees across India.
Disclaimer: Timelines related to EPF interest crediting may vary based on EPFO's internal processing schedule. Subscribers should refer to official EPFO announcements and account records for the most accurate and up-to-date information.
