As we enter FY 2024–25, salaried employees are eager to know if EPF interest for the financial year has been credited and how to check their Employees’ Provident Fund (EPF) balance.
The EPFO (Employees' Provident Fund Organisation) has made it easy for users to view their PF account details using digital and offline methods.
Here’s your quick guide to check both EPF balance and interest credited for FY25.
📲 1. Check EPF Balance via SMS
➤ SMS Format:
Send EPFOHO UAN ENG to 7738299899
You must link your UAN with Aadhaar, PAN, and bank account
Available in 10+ languages (ENG for English, HIN for Hindi, etc.)
📞 2. Missed Call Service
➤ Dial: 9966044425
The call disconnects automatically
You receive an SMS with your latest EPF balance
🔒 Conditions:
Your mobile number must be registered with your UAN (Universal Account Number).
🌐 3. Via EPFO Member Portal
➤ Website: https://www.epfindia.gov.in
Steps:
Click on ‘Services’ > For Employees > Member Passbook
Log in with your UAN & Password
Select your PF account to view balance & interest
💡 Tip: You can download your EPF passbook with detailed monthly contributions and interest.
📱 4. Use the UMANG App
UMANG (Unified Mobile App for New Governance) allows users to:
Check EPF balance
Raise grievances
Track claims
➤ Steps:
Download the UMANG App (Android/iOS)
Register with your mobile linked to UAN
Go to EPFO services → View Passbook
💼 5. Check If Interest Is Credited in FY25
EPF interest for FY25 is usually credited after Q1 ends, often between July and September
The interest will reflect in the passbook under “Interest Credited”
For FY24, the declared interest rate was 8.25%
✅ Keep checking your passbook in July–August to see if the interest for FY25 has been updated.
📤 What If EPF Interest Isn’t Showing Yet?
Don’t panic. EPF interest is credited annually but calculated monthly. Delays are common due to back-end processing. If it's not reflected by October, raise a query via the EPFO Grievance Portal or UMANG.
🧠 Bonus: Why It’s Important to Track Your EPF
Ensures your employer is depositing timely
Helps with retirement planning
Required while applying for partial withdrawals or loans
🙋♂️ FAQs
Q1: What is the EPF interest rate for FY25?
The EPF interest rate for FY25 is yet to be officially announced, but likely to be around 8.25%, similar to FY24.
Q2: Can I check my EPF balance without UAN?
No, UAN is mandatory for accessing digital and SMS services related to EPF.
Q3: How often is EPF interest credited?
EPF interest is credited once a year, usually between July–September, and appears in the passbook retroactively.
Q4: What if my EPF balance is not updated?
Contact your employer or raise a grievance on the EPFO portal or UMANG app.
Published on : 10th July
Published by : SMITA
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