PF Balance Check- The Employees’ Provident Fund Organization (EPFO) has started depositing 8.25 percent interest for the financial year 2024-25 in the accounts of its members. However, no official SMS or email alert has been sent by the organization yet. But many account holders across the country have seen the interest amount updated in their passbooks. Let us know 4 ways through which you can check the balance in your PF account.

More than 8 crore employees will benefit

This interest rate was proposed by the Central Board of Trustees of EPFO ​​in February 2025. The Finance Ministry also approved it, after which the interest credit was approved to start. This rate applies to about 8 crore active shareholders. According to financial experts, this rate offers better and stable returns in the long term compared to traditional investment options like fixed deposits, making EPF a strong retirement tool for the salaried class of the country.

Interest accrual timeline and calculation

EPFO calculates interest every month, but it is credited to accounts in lump sum after the end of the financial year. Usually this process is completed between June and August. Interest is applicable only on employee’s contribution and employer’s EPF share. There is no interest on pension funds. Interest on the amount deposited is compounded annually.

Check whether interest has been deposited or not, like this

EPF account holders can find out in 4 ways whether PF interest has been deposited in their account or not.

1. EPFO ​​website: Go to epfindia.gov.in.
Click on e-passbook on the right side.
Login by entering UAN, password and captcha.
Enter the OTP received on your mobile.
Check the latest entry in your passbook.

2. UMANG App: Information can be obtained through ‘View Passbook’ by going to the EPFO ​​section.

3. SMS: Type ‘EPFOHO <space> UAN’ from registered mobile number and send it to 7738299899.

4. Missed Call: Give a missed call to 011-22901406 from the registered number.

The important thing to note here is that you can check the balance through SMS or missed call only when your KYC is complete. This means that your Aadhaar, PAN and bank account details are linked to the PF account. If the interest amount is not visible even after everything is correct, then the account holders should wait for a few days. System update may take time. If needed, you can also lodge a complaint online by visiting the EPFO ​​website.