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

EPFO is crediting FY26 provident fund interest, and members can check the updated amounts online by July 15. Last month, the government approved the 8.25% interest payment on provident funds.

Labour Minister Mansukh Mandaviya said on Wednesday, “Annual interest for FY26 at the rate of 8.25% 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.

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:

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, you can check your balance there.

PF Balance Check through UMANG App

You can also check your EPF balance on the UMANG app, but first you need 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, including all deposits and withdrawals, will be displayed

PF Balance Check through Missed Call Number

You can also check your EPF balance by giving a missed call from your registered mobile. To use this service, your UAN must be activated and linked to your Aadhaar, PAN, or bank account.

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)

PF Balance Check through SMS Number

SMS is one of the easiest ways to check the PF balance.

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.

PF Balance Check through DigiLocker

Members can also check their 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 the OTP sent to your registered mobile number

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