The Employees' Provident Fund Organization (EPFO) has started crediting 8.25% interest to PF accounts for the financial year 2024-25. This interest amount is being directly credited to the PF accounts of millions of employees who save under the EPFO scheme.
This year, like last year, the central government has approved an interest rate of 8.25%, and the EPFO began the process of completing interest crediting in June. Interest has been credited to 96.51% of accounts, and the remaining accounts will be updated soon. Account holders can now receive complete information, including interest, in their accounts via SMS, making it easier to verify their savings.
This feature is very helpful for employees, as they can now check their account status through their mobile phones without having to log in to various applications or websites. This move by the EPFO strengthens the implementation of Digital India and increases financial transparency for employees.
EPFO Interest Credit
The Employees' Provident Fund Organization (EPFO) is an institution of the Government of India that provides pension, insurance, and provident fund services to employees. Its primary objective is to ensure a secure financial deposit for employees' futures. Both employees and employers make monthly contributions to a PF account, and the EPFO adds interest to the contributions annually at a fixed rate.
For the financial year 2024-25, the EPFO has announced an interest rate of 8.25%, which remains the same as last year. This interest is credited to the PF balances of millions of account holders who have joined the EPF scheme and made regular contributions. This interest is deposited directly into their UAN-linked accounts.
This interest rate is implemented after government approval and is decided at a meeting of the EPFO's Central Board of Trustees. This time, the interest rate was approved by the Finance Ministry in May 2025, after which the EPFO began the interest addition process in June.
How to get interest information through SMS?
EPFO has also launched an SMS service for the convenience of account holders, allowing them to easily check their PF account balance and interest amount on their mobile phone. Account holders need to send a special SMS from their registered mobile number.
The process of sending the SMS is very simple. Users need to send a message in the format "EPFOHO UAN HIN" from their registered number to 7738299899. Here, UAN is the 12-digit Universal Account Number, and HIN is the code for the Hindi language. You will receive your final updated balance and interest information via SMS immediately.
Additionally, a missed call to 9966044425 will also send an account report via SMS. This feature is available to account holders whose KYC is fully updated on the EPFO portal.
This facility of EPFO provides employees with quick and secure access to financial information, especially for those who do not use the online portal or have limited internet access.
EPFO and its schemes
The EPFO is a vital organization run by the Government of India that provides financial security for employees' future. Both employees and employers contribute to the PF scheme, which is deposited into the account along with interest at the end of the financial year.
The EPFO administers several schemes, including the Employees' Provident Fund (EPF), the Employees' Pension Scheme (EPS), and the Employees' Relief Fund (EDLI). Deposits in a PF account provide employees with a regular income after retirement. Account holders can also make partial withdrawals from their PF balances in case of emergencies.
The scheme to add new EPFO employees to the Entrepreneur Group also came into effect from October 2025, providing a unique opportunity to enroll all employees between 2017 and 2025 in the EPF. Employers can update their past due reports and easily add employees' accounts through face authentication.
How to check interest credit?
EPFO account holders can check the interest credit in their account in several ways.
- Via SMS, as mentioned above.
- Login to UMANG app and EPFO official website.
- Through missed call service.
- By activating your Universal Account Number (UAN) on the EPFO portal.
Of these, SMS and missed call services are the easiest and most prompt methods of receiving information. Account holders simply need to use their registered mobile number, and the entire process is free.
Conclusion
EPFO has begun crediting 8.25% interest for the financial year 2024-25, and this process has been rapidly completed for almost all accounts. Features like SMS and missed calls have made it much easier for account holders to receive instant information on their interest and PF balance. This initiative allows employees to monitor their money's growth and better plan for their future financial needs. This transparency and digitalization of EPFO is very beneficial for employees.
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