Every year, millions of Employees’ Provident Fund (EPF) subscribers eagerly wait for the annual interest to be credited to their PF accounts. Once the Employees’ Provident Fund Organisation (EPFO) completes the interest posting process, the updated amount is reflected in your EPFO Passbook, allowing you to see your revised PF balance.
For FY 2025–26, EPFO has started crediting the approved 8.25% annual interest to eligible member accounts. If you’re wondering whether your PF interest has been credited, you can easily verify it online through the EPFO Member Passbook portal, Passbook Lite, UMANG app, SMS, or missed call service.
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What Does “Interest Credited” Mean?
EPF interest is calculated on your monthly running balance throughout the financial year. After the Government approves the annual interest rate, EPFO credits the accumulated interest to members’ accounts.
Once the process is complete, your EPF passbook shows an entry such as:
“Int. Updated up to 31/03/2026”
This indicates that the annual interest for the financial year has been added to your account balance.
Who Can Check Their Updated PF Balance?
You can check your updated EPF balance if you have:
An active UAN (Universal Account Number)
UAN activated on the EPFO portal
Registered mobile number linked with your UAN
EPFO Member Portal login credentials
Method 1: Check Interest Through EPFO Passbook
The EPFO Member Passbook is the easiest way to verify whether your annual interest has been credited.
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Steps
Visit the official EPFO Member Passbook portal.
Log in using your UAN and password.
Complete the CAPTCHA (and OTP verification if prompted).
Select your Member ID.
Open your passbook.
Look for the latest entry showing “Int. Updated up to 31/03/2026”.
If this entry appears, your annual EPF interest has been credited successfully.
Method 2: Check Using Passbook Lite
EPFO has also introduced Passbook Lite, which allows members to quickly view:
Current PF balance
Employee contribution
Employer contribution
Interest updates
Recent transactions
Simply log in with your UAN to access the latest balance information.
Method 3: Check Through the UMANG App
You can also verify your updated PF balance using the Government of India’s UMANG app.
Steps:
Open the UMANG app.
Go to EPFO Services.
Select View Passbook.
Enter your UAN.
Verify the OTP.
View your updated passbook and interest details.
The UMANG app displays the same passbook information available on the EPFO portal.
Method 4: Check PF Balance via SMS
If your UAN is activated and linked with your mobile number, you can also receive your PF details through SMS.
Send the prescribed EPFO SMS format from your registered mobile number to the official EPFO service number. You’ll receive details such as:
Latest PF contribution
Current balance
Available KYC information
Regional language support is also available.
Method 5: Check Through Missed Call
EPFO also provides a missed call facility.
Give a missed call from your registered mobile number to the official EPFO missed call number, and you’ll receive an SMS containing:
Current PF balance
Latest contribution
UAN status
This service is free for registered members.
How to Know If Interest Has Been Credited?
You can confirm that your interest has been credited by checking for:
An increase in your total PF balance.
An interest entry in your passbook.
The text “Int. Updated up to 31/03/2026” in your EPFO passbook.
Some members may initially see the interest marked as “Provisional Interest” while EPFO completes its internal processing. This is a normal part of the update process.
Why Can’t I See My Updated Interest?
There may be several reasons why your passbook hasn’t been updated yet:
Interest is being credited in phases.
Your passbook has not refreshed.
Temporary server or maintenance issues.
Recent employer contributions are still being processed.
Technical upgrades on the EPFO portal.
EPFO has stated that passbook updates may take some time during system upgrades or maintenance.
Conclusion
If you’re waiting to see whether your EPFO interest has been credited, checking your passbook online is the quickest and most reliable option. For FY 2025–26, EPFO has begun updating member accounts with the approved 8.25% annual interest, and eligible members can verify the revised balance through the EPFO Passbook portal, Passbook Lite, UMANG app, SMS, or missed call service. Regularly reviewing your EPF passbook also helps ensure that your employer contributions and annual interest are correctly reflected in your retirement savings.
