The Employees’ Provident Fund Organisation (EPFO), which manages your retirement fund, has given great news to its crores of members. The 8.25% interest money for the financial year 2024-25 has now started getting deposited in your Provident Fund (PF) accounts. Although no official SMS or email alert has been sent by the EPFO ​​​​yet, many account holders across the country have seen the interest amount updated in their passbooks.

This is a big relief for more than 8 crore active shareholders who were eagerly waiting for this interest. This rate gives better and stable returns in the long term compared to traditional investment options like FD (Fixed Deposit), making EPF a strong retirement tool for the salaried class of the country. Come, know 4 easy ways through which you can check your PF account balance and interest accumulated instantly.

Why is this interest rate so special

The Central Board of Trustees of EPFO ​​proposed this 8.25% interest rate in February 2025. The Finance Ministry also approved it, after which this interest credit rate was approved. This rate applies to about 8 crore active shareholders. According to financial experts, this rate gives better and stable returns in the long term than traditional investment options like FD, which makes EPF a strong retirement tool for the salaried class of the country. It proves to be very helpful in increasing your savings and securing the future.

Time limit and calculation of interest credit

EPFO calculates interest every month, but it is deposited in lump sum accounts after the end of the financial year. Usually, this process is completed between June and August. Interest is applicable only on employee contributions and the employer’s EPF share. No interest is paid on pension funds. Interest on the deposited amount is compounded annually, which means you get interest on your interest, which makes your money grow faster.

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Check instantly in these 4 ways

PF account holders can check instantly whether interest money has come into their PF account in the following 4 ways:

1. Through the EPFO ​​website

First of all, go to epfindia.gov.in.

Click on ‘e-Passbook’ on the right side of the website.

Log in by entering your Universal Account Number (UAN), password, and captcha code.

Enter the OTP (One Time Password) received on your registered mobile number.

Now you can see the recent entries in your passbook and check whether interest has been credited or not.

2. Through the UMANG App

Download the UMANG App on your smartphone (if not already).

Open the app and go to the EPFO ​​section.

Click on the ‘View Passbook’ option.

Log in by entering your UAN and OTP and view your passbook.

3. Through SMS

Send ‘EPFOHO’ from your registered mobile number to 7738299899.

You will immediately receive your PF balance information through SMS.

4. Through a missed call

Give a missed call to 011-22901406 from your registered mobile number.

You will receive your PF balance information through SMS in no time.

You will be able to check the balance through SMS or missed call only when your KYC (Know Your Customer) is complete. This means that your Aadhaar, PAN, and bank account details should be linked to your PF account. If the interest amount is not visible even after everything is correct, account holders should wait for a few days. It may take some time for the system to update. If needed, you can also file a complaint online by visiting the EPFO ​​website.

Some important things related to PF interest

It is very important to keep some important things in mind regarding your PF investment:

Interest is calculated every month, but compounding happens annually.

Interest does not apply to the employer’s pension share (8.33%).

If the total annual contribution is within ₹ 2.5 lakh, the interest received on EPF remains completely tax-free.

If an employee withdraws in the middle of the financial year, interest is paid only till that date.