EPFO Begins Crediting 8.25% Interest for FY2024–25: Have You Received Yours Yet?
Salaried professionals across India have a reason to check their EPF accounts—The Employees’ Provident Fund Organisation (EPFO) has started crediting the declared 8.25% interest for the financial year 2024–25. Curious to know if your interest has been added? Here’s a detailed guide to help you find out.
🔍 How to Verify If Your EPF Interest Has Been Credited
Interest is being credited in phases, and some members can already see the update in their EPF passbooks. Here’s how you can check:
✅ Steps to Check via EPFO Portal
- Go to https://passbook.epfindia.gov.in
- Log in using your UAN and password
- Select your Member ID
- Look under FY2024–25 for any entry labeled “Interest”
📲 Other Ways to Check
- UMANG App: Use the EPFO services in the app to access your passbook.
- Missed Call: Dial 011-22901406 from your registered mobile number.
- SMS: Send
EPFOHO UAN ENGto 7738299899.
🕒 Why You Might Not See the Interest Yet
If your passbook hasn’t been updated yet, don’t worry. EPFO credits interest in a batch-wise, system-driven manner. Here’s what you should know:
| Detail | Timeline/Info |
|---|---|
| Interest Rate for FY25 | 8.25% |
| Approval Date | May 2025 |
| Credit Process Begins | Late June 2025 |
| Expected Visibility for All | By end of July or early August |
| Is There Any Loss Due to Delay? | No, earnings remain unaffected |
Your interest is accrued monthly but reflected annually. Delay in visibility doesn’t mean a delay in earnings.
❗Still Not Credited? Here’s What to Do
If your passbook doesn’t reflect the new interest by early August:
- ✅ Submit a grievance via the EPFiGMS portal
- ✅ Visit your nearest EPFO regional office
- ✅ Recheck after 7–10 working days
There’s no need to worry—the process takes time, but the interest will be credited in full.
📊 EPFO in Numbers
- Manages over ₹22 lakh crore in assets
- Services more than 27 crore EPF account holders
- Among the highest fixed-income returns available in India today
🧾 Final Note
With the EPFO’s declared 8.25% interest rate, EPF remains a solid and tax-efficient long-term savings option for employees. If your passbook doesn’t reflect it yet, give it a few more days—it’s on the way.
📌 Disclaimer
This article is for informational purposes only and does not substitute professional financial, legal, or tax advice. Please consult official sources or financial advisors for guidance tailored to your individual circumstances. Neither the author nor the publisher is responsible for any decisions made based on this content.
