EPFO Big Update: The EPFO ​​has maintained an interest rate of 8.25% for the financial year 2025-26; however, the amount has not yet been credited to accounts as it awaits ministry approval.

EPFO Interest Update: Members of the Employees' Provident Fund Organisation (EPFO) are awaiting the credit of interest for the financial year 2025-26 into their PF accounts. The annual interest rate on PF has been maintained at 8.25% this time as well. Two months have passed since the decision to keep the interest rate stable was made, yet the amount has not yet been credited to members' accounts. A significant update regarding this has now emerged.

In March 2026, the EPFO's Central Board of Trustees (CBT) recommended an annual interest rate of 8.25% on PF deposits for the financial year 2025-26. The amount will be transferred to members' accounts only after receiving approval from the Ministry of Labour and Employment.

When will the PF interest be credited to the account?

For members awaiting the credit of EPFO ​​interest, please note that no specific date has been announced yet. However, looking at trends from previous years, the interest amount could be credited anytime between July and September.

The process of crediting interest involves several stages. The interest amount is deposited into EPFO ​​members' accounts only after Central Government approval, followed by an official notification, and the subsequent updating of interest in the accounts by the EPFO. This is why it may take some time.

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Last year, the interest amount appeared in many members' accounts during June and July. However, this update does not reflect in all accounts simultaneously; some members might see the interest details in their passbooks earlier than others.

Will the delay affect the interest?

There is good news for EPFO ​​members: delays in updating passbooks will not affect the interest amount. Under Paragraph 60 of the EPF Scheme 1952, interest on the PF account is calculated based on the monthly account balance and credited on an annual compounding basis.

Therefore, members will receive the full interest despite any administrative delays. While the entry may appear in the account later, the interest calculation will strictly follow the prescribed rules.

How to check PF interest status

Once the EPFO ​​updates the interest amount in the accounts, members will have several options to easily check the credited interest. These include the Umang App, the EPFO ​​Member E-Service Portal, the missed call service, or the SMS facility.