EPF 8.25% interest credit by July 15: Check balance via UMANG, SMS

The government confirmed Wednesday that the Employees’ Provident Fund interest for FY2025-26 will be credited to subscriber accounts by July 15. The rate stays at 8.25% for the third consecutive year. The EPFO will process the credit in batches, so some members may see the update later than others.

Interest accrues monthly on contributions, meaning a delayed credit does not reduce the total amount due. Subscribers earn the full 8.25% on their balance for the financial year regardless of when the EPFO records the entry. The rate was set by the Central Board of Trustees in March 2025 and approved by the finance ministry.

Two ways to verify the credit. The UMANG app – available on iOS and Android – shows the passbook under the EPFO service. Subscribers can also send an SMS: type "EPFOHO UAN" (with the 12-digit UAN) to 7738299899. The reply includes the latest balance and the interest credited. The EPFO website remains another option, though the app and SMS are faster during peak hours.

The 8.25% rate keeps EPF well above most bank fixed deposits, which have drifted lower over the past year. For salaried employees earning above the statutory wage ceiling, the employer contribution plus the tax-free interest makes the EPF a core part of retirement savings. The unchanged rate signals policy continuity, though some unions had pushed for a higher payout given consumer price inflation running near 4.5%.

Subscribers should note that the interest is calculated on a monthly basis but credited once a year. Withdrawals before the end of the financial year may reduce the interest eligible on those funds. The EPFO typically completes the credit by June or July, and the July 15 deadline aligns with past schedules.