How salaried employees can check EPF interest credit, monthly balance and employer contribution in 2026

The Employees' Provident Fund Organisation (EPFO) credits interest to Employees' Provident Fund (EPF) accounts once a year. The interest for a financial year is generally credited in the next financial year once the government gives its approval to the interest rate recommended by the Central Board of Trustees (CBT) of EPFO. For FY 2025-26, the EPF interest rate has been fixed at 8.25% per annum and has received the government's approval.

Reports suggest that the EPF interest amount is likely to be credited this month. Here is how you can check and verify whether the interest has been credited to your EPF account.

1. Log in to your PF account through the Unified Member Portal.
2. After entering your credentials, access your EPF passbook.

If the interest for FY 2025-26 has been credited, the last entry will reflect as 'Interest updated up to 31/03/2026'. This confirms that the interest for the respective financial year has been successfully credited to your account.

As per the norms, employers are required to deposit the EPF contribution within 15 days of the end of the month for which the salary has been paid. After the employer uploads the challan and makes the payment, it typically takes about a week for the employer's contribution to be reflected in your EPF passbook.

Further, once the contribution is deposited, the EPFO sends a confirmation message to the registered mobile number regarding the successful credit of the employer's contribution.

Additionally, to view a complete month-by-month breakdown of your EPF balance and verify whether your employer has been making regular contributions, you can access your EPF passbook digitally through the EPFO passbook portal or the UMANG app.

Visit the EPFO passbook portal and enter your UAN, password and the captcha code for verification. Select Member ID: Choose the relevant Member ID from the dropdown menu to view the passbook. Check contributions: The passbook displays employee and employer contributions separately, along with a separate column showing the EPS contribution. Check month-wise contributions: To verify regular deposits, ensure that contributions from both the employer and employee have been credited month after month.

What recourse do you have if an employer does not make monthly contributions towards a member's EPF account?

If an employer fails to deposit the EPF contribution into your account despite deducting the employee contribution from your salary, you can report the non-payment through the EPFiGMS portal i.e. the grievance portal dedicated for resolving EPF-related issues.