EPF passbook check: The Employees’ Provident Fund Organisation (EPFO) has started crediting interest to Provident Fund (PF) accounts for the financial year 2024-25. Although no formal notification or SMS has been issued by the EPFO yet, many account holders have noticed an increase in their PF balance.
The government recently approved an interest rate of 8.25% for EPF. This is in line with the recommendation made by the EPFO board in February 2025. After getting government approval, now EPFO is depositing annual interest in the PF accounts of more than 7 crore account holders across the country.
How to check interest credit in EPF passbook?
EPF account holders can check whether interest has been credited to their account or not. For this, they have to log in to the EPFO passbook portal. The complete process is given below:
- Step 1: Visit the EPFO passbook portal https://passbook.epfindia.gov.in.
- Step 2: Log in by entering your Universal Account Number (UAN), password and captcha.
- Step 3: Enter the OTP received on the registered mobile number. This number should be linked to your PF account
- Needed
- Step 4: After login, the list of Member IDs linked to current and old employers will appear.
- Step 5: Click on the ‘Passbook’ tab and view the passbook by selecting the respective Member ID.
The passbook shows the employee and employer contributions as well as interest entries for each financial year in separate columns. A graphical view is also available on the portal, which makes the data easier to understand.
If a Member ID shows zero balance, it may indicate that the ID has been merged or the amount has already been withdrawn from it. Account holders can merge old IDs into the existing account through a transfer request from the EPFO portal.
What to do if interest is not showing?
It may take some time for the interest to be updated on the EPFO portal. If the interest is not reflected in the passbook, wait for a few days. If the interest is still not credited, the account holder can lodge a complaint at the regional office of EPFO or on the online grievance portal.
EPFO members should also keep these things in mind
- Logging in to the portal can take time; slow servers are a common complaint.
- PDF download option of the passbook is also available on the EPFO website.
- If there is no difference in the balance even after interest credit, check the merging status and transaction history.
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