EPFO starts crediting interest for FY26: When will it reflect? How to check in EPFO portal and others platforms

EPFO is crediting FY26 provident fund interest, and members can check the updated amounts online by July 15.

Labour Minister Mansukh Mandaviya said on Wednesday, “Annual interest for FY26 at the rate of 8.25 per cent to 34 crore member accounts, estimated at over ₹1.44 lakh crore, will be auto-processed and then verified by Field Authorities before being credited to the member account balances. Members will be able to view the interest credit in their passbook by July 15,” the minister said.

Last month, the government approved the 8.25 per cent interest payment on provident funds.

According to the minister, interest payments were previously processed in October–November after government approval.

How to check?

EPFO members can use any of the following methods to check PF balance:

1. PF Balance Check through EPFO Portal

To check your EPF balance online, you must first activate your Universal Account Number (UAN).

Step 1: Visit the EPFO Members Passbook Portal.

Step 2: Sign in using UAN, password and Captcha.

Step 3: Enter the OTP sent to your Aadhaar-linked phone number.

Step 4: Select the relevant Member ID.

Step 5: Click on “View Passbook”

Once the passbook is visible, there will be three different columns as follows:

Employee Share: The contributions made by the employee

Employers Share: The contributions made by the employer

Pension Contributions (EPS): Part of employers share that goes to the pension fund.

2. PF Balance Check through UMANG App

You can check your EPF balance on the UMANG (Unified Mobile Application for New-age Governance) app, which also allows you to file and track claims. It is necessary to register on UMANG using your UAN-linked mobile number.

Step 1: Download the UMANG app from the Play Store or App Store.

Step 2: Open the app, go to Services → Social Security → EPFO.

Step 3: Under ‘Employee Centric Services’, select ‘View Passbook’.

Step 4: Enter your UAN and verify using the OTP sent to your registered mobile.

Step 5: Once logged in, choose the employer account you wish to view.

Your EPF passbook with all deposits and withdrawals will be displayed, and you can download it for reference.

3. PF Balance Check through Missed Call Number

You can easily do EPF balance check by giving a missed call from your registered mobile by following the steps below:

Step 1: Give a missed call to 9966044425 from your registered mobile number.

Step 2: The call will disconnect automatically after two rings.

Step 3: You will receive an SMS containing your PF details (Member ID, Last Contribution, and Total Balance)

Note: Your UAN must be activated and seeded with your Bank Account, Aadhaar, or PAN for this to work.

4. PF Balance Check through SMS Number

SMS is one of the easiest methods for PF Balance Check. Follow the below steps for PF balance check through SMS:

Step 1: Send an SMS to 77382 99899 from your registered mobile number.

Step 2: The format should be “EPFOHO UAN ENG”

The last three letters indicate the preferred language you wish to receive the details.

Replace ‘ENG’ with the code for your preferred language: HIN (Hindi), PUN (Punjabi), GUJ (Gujarati), MAR (Marathi), KAN (Kannada), TEL (Telugu), TAM (Tamil), MAL (Malayalam), or BEN (Bengali) as the facility is available in multiple languages.

5. PF Balance Check through DigiLocker

Members can also check PF balance through DigiLocker by linking their EPFO account.

Step 1: Log in to the DigiLocker app or website using your mobile number or Aadhaar

Step 2: Go to “Issued Documents” or “Search Documents”

Step 3: Search for “EPFO” services

Step 4: Select “Employee Provident Fund – Passbook”

Step 5: Enter your UAN and verify using OTP sent to your registered mobile number

Step 6: Once verified, your EPF account gets linked and documents are fetched automatically