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If you are also refreshing your EPF passbook online every day, then your wait is about to end in a few hours. Employees’ Provident Fund Organization (EPFO) is going to credit the interest amount for the financial year 2025-26 in about 34 crore PF accounts of the country by July 15, 2026.
Usually, PF interest was transferred in the month of October or November, but this year it is being done much before the record time. This time, a huge amount of more than Rs 1.44 lakh crore will be sent to the accounts of crores of employees as interest. This is the first time that EPFO is going to pay interest on such a large scale simultaneously through its new and state-of-the-art Centralized IT System (CITES).
8.25% interest rate remains intact for the third consecutive year
After getting the final approval from the Finance Ministry last month, the interest rate on EPF remained unchanged for the third consecutive year. 8.25 percent But it has been maintained. Let us understand through a simple table what is the mathematics of this 8.25% interest in rupees according to the amount deposited in your PF:
| Current PF Balance | Total interest received | New balance after interest is credited |
| ₹5 lakh | ₹41,250 | ₹5,41,250 |
| ₹10 lakh | ₹82,500 | ₹10,82,500 |
| ₹50 lakh | ₹4,12,500 | ₹54,12,500 |
| ₹1 crore | ₹8,25,000 | ₹1,08,25,000 |
Important Note (KYC Update Mandatory):
Before transferring the interest amount to your account, please visit the EPFO member portal or UMANG app and check that your KYC details Like whether the bank account, PAN card is completely updated or not. Often, interest money and PF claim gets stuck due to old or incomplete documents.
How is EPF interest calculated? Know the important rules
Unlike a mutual fund or SIP, its interest is not added in lump sum, rather it has a very precise and transparent rule of calculation:
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Monthly Closing Balance: EPFO calculates the total amount left in your account at the end of every month. Interest for full 12 months is available on the last closing balance of the previous financial year.
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Monthly Interest Rate: The annual rate of 8.25% is divided by 12 straight months, giving the monthly rate. 0.6875% per month Comes out.
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New contribution rule: In the current month in which PF is deducted and deposited from your salary, you do not get interest on that new amount. That new amount is added to the opening balance of the next month. That is, interest on new contributions is counted from the 1st of the next month of deposit till 31st March.
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Rules on Withdrawal: If you have withdrawn some money from the PF account in an emergency in the middle of the financial year, interest on the withdrawn amount will be payable only for the month immediately preceding the month of withdrawal. After that no interest will be given on that part.
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Round Off: At the end of the year, the total interest of all 12 months is added and deposited in the account as on 31st March. In the final calculation, EPFO rounds off the total interest to the nearest rupee.
How to check your balance on EPFO member portal: Step-by-step guide
If you want to ensure whether the interest for FY 2025-26 is credited to your account or not, your Universal Account Number (UAN) must be activated. After this follow these 4 easy steps:
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step 1: First of all go to the official member passbook portal of EPFO (passbook.epfindia.gov.in).
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Step 2: Enter your 12 digit UAN number, password and captcha code shown on the screen and click on ‘Log In’.
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Step 3: For security reasons, an OTP will be sent to your Aadhaar-linked mobile number, enter it to verify your identity.
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Step 4: On the screen as soon as you login ‘View Passbook’ Select the option. Here you can view your complete passbook history and also check whether the interest for FY26 has been credited by your organization or not.