The Employees’ Provident Fund Organisation’s (EPFO) Central Board of Trustees (CBT) in March 2026 notified that it retained the Employees’ Provident Fund (EPF) interest rate at 8.25% for FY2025-26. However, over two months have passed, and the interest payment has not yet been credited.
Here’s a look at what the notification says, when the money will be credited and how to check the status.
The EPFO CBT notification said, “After due deliberations, CBT recommended 8.25% annual rate of interest to be credited on EPF accumulations in members’ accounts for the financial year 2025-26,” said the press release dated 2 March from the Ministry of Labour and Employment.
When is interest amount likely to be credited?
Once the EPF interest rate is announced, it must be formally approved by the government. After that, EPFO reconciles accounts and updates the records of millions of subscribers before crediting the interest. Since this process takes time, there is no fixed date for the interest credit.
Key things to note
According to the timeline, EPFO investors and subscribers are likely to expect their interest for the previous financial year to be credited between June and September 2026.
- Although there may be a delay, all subscribers and investors will receive full interest payments.
- The EPF interest payment generally takes place after the government gives its go-ahead to the CBT-recommended rates and notifies the same.
- The entry for the interest credited does not appear in all EPF passbooks simultaneously.
How to check if EPF interest is credited into your account?
EPF members can check whether interest for a particular financial year has been credited to their account through several channels, including
- UMANG app
- EPFO portal
- missed-call services and SMS-based facilities
EPF members should typically check for the last entry, which, in the case of interest credit, would reflect like this- “Int. Updated up to 31/03/2026”.
UPI, ATM withdrawal under EPFO 3.0
EPFO subscribers may soon be able to withdraw provident fund money directly into their bank accounts via UPI.
How the EPFO 3.0 will work
On UMANG, check how much EPF money you can transfer directly to your linked bank accounts.
- Generate QR code to securely transfer EPF money directly to their bank accounts.
- Once the money is transferred into bank accounts, you can use the money as you want, like making payments or withdrawing through bank ATMs using debit cards.
- The limit of this auto-settlement mode has already been raised to ₹5 lakh from the existing ₹1 lakh.
- No employer involved. No waiting.
- Tap at a UPI-enabled ATM or use UPI transfer.