Millions of PF (Provident Fund) account holders are eagerly waiting for the credit of their annual interest as the central government has already approved the 8.25% interest rate for the financial year 2024–2025. While the Employees’ Provident Fund Organisation (EPFO) has yet to officially announce the date for crediting the interest amount, media reports suggest it may be deposited by the first week of May 2025. Here’s what you need to know about the expected timeline, interest rate, and how you can check your EPF balance.
Approved Interest Rate for FY 2024–2025
The EPFO, during its Central Board of Trustees (CBT) meeting, finalized an 8.25% interest rate for FY 2024–25. This is the same rate declared for the previous fiscal year as well. The decision aims to continue offering financial stability and attractive returns to salaried employees across India.
Expected Date of PF Interest Credit
Although there’s no official date announced, sources suggest that the interest amount will likely be credited by the first week of May 2025. This timeline aligns with previous years when the interest was usually deposited between April and June.
Key Highlights:
-
Interest Rate: 8.25%
-
Expected Credit Date: First week of May 2025
-
Crediting Authority: Employees’ Provident Fund Organisation (EPFO)
-
Who Will Get It? All EPF account holders for the FY 2024–25
MUST READ: FSSAI Internship 2025: Apply Online, Eligibility, ₹10,000 Stipend, Last Date & Details
How to Check If PF Interest is Credited
You can check your EPF balance and interest status using any of the following methods:
1. Missed Call Service
-
Dial 9966044425 from your registered mobile number.
-
After one ring, the call will disconnect automatically.
-
You will receive an SMS containing your EPF balance details, including the credited interest amount.
2. SMS Method
-
Send the following message from your registered mobile number:
EPFOHO UAN ENG -
Send it to 7738299899
-
You will receive a reply SMS with your EPF balance and latest interest credited.
Note: ‘ENG’ is the language code for English. You can also use ‘HIN’ for Hindi or other language codes as per your preference.
3. Check Through UMANG App
-
Download the UMANG App (Unified Mobile Application for New-age Governance).
-
Go to EPFO services section.
-
Log in using your UAN and OTP.
-
Click on ‘View Passbook’ to see your latest balance and credited interest.
4. EPFO Portal
-
Visit: https://www.epfindia.gov.in
-
Log in using your UAN and password.
-
Go to the ‘Member Passbook’ option to check detailed transactions including interest deposits.
Importance of the Annual Interest Credit
The annual PF interest serves as a financial booster for salaried employees. With inflation and rising expenses, this lump sum interest amount provides liquidity and improves savings. EPFO ensures the interest is added to your balance every financial year and compounding makes it more beneficial in the long term.
FAQs
When will EPFO credit the 8.25% interest for FY 2024–25?
As per media reports, the interest is expected to be credited by the first week of May 2025. No official date has been released yet.
What is the confirmed interest rate for 2024–2025?
The EPFO has declared an interest rate of 8.25% for the financial year 2024–25.
Can I check if the interest is credited via SMS?
Yes. Send an SMS: EPFOHO UAN ENG to 7738299899 from your registered mobile number.
Is the missed call facility free?
Yes, giving a missed call to 9966044425 is a free and instant way to receive your PF balance.
What should I do if my PF interest is not credited by May?
Wait until the second week of May and then contact your HR department or the nearest EPFO office for clarification.
Click here to know more.
