EPF interest credited in member passbook? Here's how to check with your UAN

It seems the Employees Provident Fund Organisation (EPFO) has started crediting the EPF interest for FY 2024-25 to member passbooks. Although the EPFO has not sent formal emails or messages, several members have seen an increase in their PF account balances.

How to check PF interest credit in EPF passbook?

You can check the interest credited to your EPF account for the last financial year in your EPF passbook. Members can access their passbooks by logging in to the EPFO's Member Passbook portal.

You can follow the steps below to access the EPF passbook and check your latest balance.

On the right, you can see the balance against different member IDs, from your current and previous employers. Some member IDs will show zero balance if they are already merged with your current PF account or if you have already withdrawn the full amount from them.

Balance from different member IDs can be merged through the EPFO portal by initiating a transfer request.

This page provides a breakdown of year-wise employee and employer contributions as well as interest earned in a graphical format. While these details are mentioned in the passbook, which can be downloaded as a PDF file, the graph on the passbook portal makes it easy to understand.

For example, the following is a screenshot of an EPF member's passbook page on the official portal, providing details of employee contribution, employer's contribution, and the interest earned in different colours. When you hover over a color, the exact amount for that item is displayed.

In case the interest is not credited to your PF passbook, you may wait for some time for it to reflect, failing which you may raise a dispute with the retirement fund body.

Please note that logging in to the EPFO passbook may take some time as the portal is often very slow.