EPF Interest Credited or Not? Here’s how to check PF balance online

PF Balance Check: EPFO members can easily download their EPF passbook online to verify account transactions and check whether annual interest has been credited. The Employees’ Provident Fund Organisation (EPFO) credits EPF interest at the end of every financial year. For FY 2025-26, EPF subscribers are receiving an annual interest rate of 8.25 per cent on their accumulated balance. However, no interest is paid on the Employees’ Pension Scheme (EPS) component.

The EPF interest is generally credited after March-end entries are updated in the passbook. Subscribers can verify whether the interest has been credited by checking their EPF passbook online or through the Umang mobile application.

Under EPF rules, employees contribute 12 per cent of their basic salary and dearness allowance every month. Employers also contribute 12 per cent, of which 3.67 per cent goes to the EPF account and 8.33 per cent is diverted to the EPS account.

How to check EPF balance and interest online

EPFO members can easily access their passbook online and check all transactions, including the latest interest credit entry. Follow these steps:

• Visit the official EPFO Passbook portal
• Login using your Universal Account Number (UAN) and password
• Select your Member ID
• Open the EPF passbook
• Check the ‘Interest Updated’ entry in the EPF passbook
• The credited interest amount will appear in the passbook

The interest amount is usually reflected after the March contribution update.

How to check EPF balance through Umang app

Subscribers can also check their EPF balance and interest credit through the Umang app. To use this service, the mobile number must be linked with the UAN on the Member e-Sewa portal. Steps to follow:

• Open the Umang app
• Go to ‘Government Services’ and select EPFO
• Click on ‘Employee Centric Services’
• Select ‘View Passbook’
• Enter your UAN and click on ‘Get OTP’
• Enter the OTP received on your registered mobile number
• Login to access the EPF passbook

The passbook will display the latest EPF balance and credited interest amount.

Difference between EPF and EPS

Both EPF and EPS operate under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. These schemes are administered by the EPFO through a trustee board comprising representatives from the government, employers and employees.

What is EPF?

The Employees’ Provident Fund is a retirement savings scheme designed to help salaried employees build a long-term corpus. Contributions are made every month by both the employee and employer, while the government announces an annual interest rate on the accumulated balance.

The final accumulated amount, along with interest earnings, can be withdrawn at retirement or under specified conditions.

What is EPS?

The Employees’ Pension Scheme provides monthly pension benefits after retirement. Unlike EPF, employees do not contribute directly to EPS. Instead, 8.33 per cent of the employer’s contribution is transferred to the pension scheme.

EPS benefits become payable after the employee attains 58 years of age. In case of the subscriber’s death, eligible family members can receive pension benefits under the scheme.