EPF Interest Credit 2026: How to Check Your Updated PF Balance Using UMANG, SMS and EPFO Portal
EPF Interest Credit 2026: The Employees' Provident Fund Organisation (EPFO) has started crediting 8.25% annual interest for the financial year 2025–26. Members can verify whether the interest has been added to their accounts through the EPFO Member Portal, the UMANG app, SMS service, or the missed call facility. Here's a step-by-step guide to checking your updated EPF balance.
EPFO Begins Crediting 8.25% Interest for FY 2025–26
The Employees' Provident Fund Organisation has initiated the annual interest credit process for EPF subscribers. For the financial year 2025–26, the approved interest rate is 8.25%, and the organisation expects the credit process to be completed in phases.
The faster processing timeline has been made possible through EPFO's upgraded Centralised IT-Enabled Services (CITES 2.01) platform, which integrates member records into a unified digital system and improves processing efficiency.
Since EPFO manages millions of subscriber accounts, the interest credit may not appear in every member's passbook simultaneously. If your account has not yet been updated, it may take a few additional days for the entry to reflect.
Method 1: Check EPF Interest Through the EPFO Member Portal
The official EPFO Member Portal remains one of the easiest ways to verify whether your annual interest has been credited.
Steps:
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Visit the EPFO Member Passbook portal.
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Log in using your Universal Account Number (UAN) and password.
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Select your EPF account.
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Open the passbook to view your latest balance and transaction history.
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Check for the interest credit entry under the financial year 2025–26.
This method provides the most detailed transaction history available to members.
Method 2: View Your EPF Passbook on the UMANG App
The UMANG (Unified Mobile Application for New-age Governance) app also allows EPF members to access their account details from a smartphone.
Steps:
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Open the UMANG app.
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Select EPFO from the available government services.
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Tap Employee-Centric Services.
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Choose View Passbook.
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Log in with your UAN credentials.
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View your updated EPF balance and interest details.
The UMANG app combines multiple government services within a single platform, making it convenient for users who prefer mobile access.
Method 3: Check EPF Balance Through SMS
Subscribers with a registered mobile number linked to their UAN can also receive balance information through SMS.
SMS Format:
EPFOHO UAN ENG
Send the message to:
7738299899
The language code can be changed according to the preferred regional language if supported by EPFO.
The service returns the latest available balance details linked to the registered UAN.
Method 4: Use the Missed Call Facility
EPFO also offers a missed call service for eligible members.
Subscribers whose:
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UAN is activated
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Mobile number is linked
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Aadhaar, PAN, and bank details are updated
can receive account information simply by giving a missed call to the official EPFO missed call number.
No internet connection is required for this service.
How EPF Interest Is Calculated
The approved 8.25% annual interest rate is calculated on the monthly running balance maintained in the EPF account.
Under the upgraded CITES 2.01 platform, interest calculation and validation are largely automated before the amount is credited to members' accounts.
Because the credit process is carried out in batches across millions of accounts, some members may see the updated balance slightly later than others.
New Digital Improvements Introduced by EPFO
Along with faster interest credit, the upgraded IT platform introduces several improvements for subscribers.
Simplified Withdrawal Rules
Advance withdrawals have been reorganized into broader categories such as:
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Medical emergencies
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Education and marriage
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Housing
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Special circumstances
Eligible members can withdraw up to 75% of the available balance under applicable conditions.
Faster Auto-Settlement
Advance claims of up to ₹5 lakh may now qualify for automated settlement, provided the member's account is fully KYC-compliant.
Automatic PF Transfers
Members with Aadhaar-linked UANs can now benefit from automatic transfer of their EPF accounts when changing employers, reducing paperwork and processing time.
What to Do If Interest Is Not Credited
If your EPF passbook still does not reflect the annual interest after the completion of the credit cycle, you can submit a grievance through the EPFO Grievance Management System (EPFiGMS) for assistance.
Before raising a complaint, ensure that:
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Your UAN is active.
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Aadhaar is linked.
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KYC details are complete.
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Your passbook has been refreshed after logging in.
Final Takeaway
The annual EPF interest credit process has become faster and more streamlined with EPFO's upgraded digital infrastructure. Members now have multiple convenient ways to check their updated balance, including the EPFO Member Portal, UMANG app, SMS service, and missed call facility. Keeping your UAN active and KYC details updated will help ensure seamless access to all EPFO services.
Disclaimer: EPF interest credit is processed in phases across millions of subscriber accounts. The appearance of interest in individual passbooks may vary depending on system updates. Members should refer to official EPFO communication and digital platforms for the latest account information.