The Employees’ Provident Fund Organisation (EPFO) has started crediting 8.25% interest for the financial year 2025 to members’ EPF accounts. Although no official confirmation has been received via SMS or email yet, many people have received details that the interest amount has been updated in their passbooks.
EPF interest rate for FY 2025 approved
The 8.25 per cent rate was proposed by the Central Board of Trustees in February 2025 and later approved by the Finance Ministry. This interest rate is applicable to about 8 crore EPF account holders across the country and offers a stable return on long-term retirement savings, especially compared to traditional savings instruments like fixed deposits.
When is interest credited?
EPFO calculates interest monthly, but it is usually credited in a lump sum after the end of the financial year. Historically, most members see interest credited in their accounts between June and August. The interest credited is compounded annually and is applicable only to the EPF portion of the employee’s contribution and employer’s share, not to the pension portion.
EPFO Website:
- Visit epfindia.gov.in
- Go to Employees section > Click on Member Passbook
- Login using UAN, Password and Captcha
- View your latest passbook entry
UMANG App:
- Open the app and click on EPFO > Employee Centric Services > View Passbook
- Enter UAN and OTP to view details
SMS
Send EPFOHO UAN to 7738299899 from your registered mobile number
Missed Call
Give a missed call to 011-22901406 from your registered number
If your interest money is still not visible, members are advised to wait for a few days. Delays in system updates are common. For persistent issues, an online complaint can be filed through the EPFO portal or at the nearest EPFO office.
What are the important things to remember?
- Interest is credited to the balance monthly but is compounded annually.
- The employer’s pension contribution (8.33 per cent) does not earn interest.
- In the old tax regime, interest was tax-free if the total annual contribution was less than Rs. 2.5 lakh.
- If withdrawn during the year, it earns interest only up to the date of withdrawal.
Why is it important to check EPFO interest?
EPF is one of the safest and tax-efficient retirement savings instruments for salaried individuals. With a guaranteed annual return of 8.25 per cent for FY25, timely deposit of interest provides both assurance and motivation for continuous disciplined savings.