The Employees’ Provident Fund (EPF) interest rate for 2025 is here! Check the updated rate, balance, and how it affects your retirement savings. Easy steps to check EPF balance online.
EPFO Announces EPF Interest Rate for 2025: The Employees’ Provident Fund Organisation (EPFO) has officially declared the EPF interest rate for the financial year 2024–25 as 8.35%, providing a modest hike compared to last year’s 8.25%. This new rate is applicable to all EPF account holders salaried employees in the private and public sectors and will be reflected in their EPF passbook balance post credit approval by the Finance Ministry.
What Is EPF and Why the Interest Rate Matters
EPF is a retirement savings scheme mandated by the Government of India for salaried employees. Contributions are made by both the employee and employer, and the fund earns annual interest set by the EPFO.
The interest rate determines how much additional money your EPF balance earns each year. For someone with ₹10 lakh in their PF account, an 8.35% rate means an interest gain of ₹83,500 this year.
EPF Interest Rate 2025 vs Previous Years
| Financial Year | Interest Rate |
|---|---|
| 2021–22 | 8.10% |
| 2022–23 | 8.15% |
| 2023–24 | 8.25% |
| 2024–25 | 8.35% |
This marks a steady rise, which is good news for over 6 crore EPF subscribers.
How to Check EPF Balance Online (2025)
1. Via EPFO Member Portal
- Visit: https://unifiedportal-mem.epfindia.gov.in
- Login using UAN + Password + Captcha
- Go to ‘View’ > ‘Passbook’
- Download statement and view interest credit details
2. Via UMANG Mobile App
- Open UMANG app → Search “EPFO”
- Select “View Passbook”
- Login with UAN and OTP
- Your current balance and interest will be shown instantly
3. Via SMS
Send the following SMS from your registered mobile number:EPFOHO UAN ENG → to 7738299899
(Replace “ENG” with HIN, TAM, etc., for other languages)
4. Via Missed Call
Give a missed call to 9966044425 from your registered number.
You’ll receive a message with your balance.
When Will the EPF Interest Be Credited in 2025?
The EPFO usually credits the annual interest by July–August, after formal approval from the Finance Ministry. The updated balance will reflect in your passbook automatically.
Who Is Eligible to Earn This Interest?
- Employees contributing under EPF Act, 1952
- You must have active contributions in your PF account
- Even inoperative accounts (no deposit but not withdrawn) continue to earn interest
EPF Remains a Reliable Investment for Retirement
With the EPF interest rate for 2025 rising to 8.35%, salaried professionals can enjoy secure, tax-free returns on their long-term savings. Whether you’re planning early retirement or building a pension corpus, checking your EPF balance regularly ensures transparency and better financial planning.
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