In a significant update for Employees’ Provident Fund Organisation (EPFO) subscribers, the government has retained the interest rate at 8.25% for the financial year 2024-25. This decision was made in the recent EPFO Central Board of Trustees meeting, ensuring that more than 7 crore employees will benefit from the unchanged interest rate.
While the exact date for interest crediting has not been officially announced, media reports suggest that the funds may be deposited by the second week of April 2025. April marks the beginning of the new financial year, during which several policy changes take effect.
With employees eagerly awaiting their Provident Fund (PF) interest payout, EPFO has provided multiple ways to check your balance instantly. Here’s how you can check your EPF balance from the comfort of your home.
How to Check Your EPF Balance?
EPFO provides several convenient methods to check your Provident Fund (PF) balance and interest credit status:
1️⃣ Check EPF Balance via SMS
📩 Send an SMS to 7738299899 from your registered mobile number.
📌 Format: EPFOHO UAN ENG
- Replace ENG with your preferred language code (e.g., HIN for Hindi, MAR for Marathi).
- Ensure that your UAN (Universal Account Number) is linked to your bank account, Aadhaar, and PAN.
2️⃣ Check EPF Balance via Missed Call
📞 Dial 011-22901406 from your registered mobile number and disconnect after one ring.
📌 You will receive an automated SMS with your EPF balance details.
📌 Ensure your UAN is activated before using this service.
3️⃣ Check EPF Balance via EPFO M-Sewa App
📲 Download the EPFO M-Sewa App from the Google Play Store.
🔹 Login using your UAN & password
🔹 Navigate to ‘Passbook’ section
🔹 View your account balance & interest details
4️⃣ Check EPF Balance via EPFO Portal
🌐 Visit the official EPFO website: www.epfindia.gov.in
🔹 Click on ‘Our Services’
🔹 Select ‘For Employees’
🔹 Click on ‘Member Passbook’
🔹 Login with UAN & password
🔹 Check your account balance & interest details
5️⃣ Check EPF Balance via UMANG App
📲 Download the UMANG App from the Google Play Store.
🔹 Register with your mobile number
🔹 Select ‘EPFO’
🔹 Click on ‘View Passbook’
🔹 Enter your UAN & OTP received on mobile
🔹 View your updated PF balance
When Will EPF Interest Be Credited?
🔹 Interest for FY 2024-25 has been fixed at 8.25%.
🔹 More than 7 crore employees will receive the interest credit.
🔹 Expected disbursal date: By the second week of April 2025 (as per media reports).
🔹 Official confirmation awaited from the EPFO & government.
Why Has the EPF Interest Rate Remained Unchanged?
The 8.25% interest rate is in line with the previous financial year (2023-24) and ensures stability for EPF contributors. Keeping the interest rate unchanged reflects strong EPFO reserves and the government’s commitment to safeguarding employees’ retirement savings.
Key Benefits of EPF for Employees:
✅ Guaranteed Returns: Stable interest rates ensure secure retirement savings.
✅ Tax Benefits: Contributions & interest earned are tax-free under Section 80C.
✅ Long-Term Growth: Compounded annual interest enhances savings over time.
✅ Loan Facility: Employees can withdraw partial amounts for emergencies, home loans, or medical needs.
Bhupendra Singh Chundawat is a seasoned technology journalist with over 22 years of experience in the media industry. He specializes in covering the global technology landscape, with a deep focus on manufacturing trends and the geopolitical impact on tech companies. Currently serving as the Editor at Udaipur Kiran, his insights are shaped by decades of hands-on reporting and editorial leadership in the fast-evolving world of technology.
