EPF Interest Update 2025: Millions of employees working in the unorganized sector in India are provided a secure future through the Employees Provident Fund. The Employees Provident Fund Scheme oversees the operation of savings plans such as the Employees Provident Fund. It provides financial security to all employees after retirement. Through this arest rate and now from July 2025 this new interest rate will be credited. This information is important for those crores of employees who come under EPF and were waiting for this interest increase for a long time.
Let us tell you that in the coming time, all the account holders will be provided benefits under this interest rate only. If you are also an EPF Interest Update 2025 account holder and you have not yet received any update about it, then this article of ours can be very beneficial for you. In today’s article, we will tell you everything about the new changes in EPF Interest Update and also tell you how to see if interest up to 8.5% comes to your account and if it does not come, then what to do for it.
What is the Interest Rate of EPF 8.25%
Let us tell you that EPF Interest Update 2025 is a savings scheme run by the Employees’ Provident Fund which makes the life of the employee secure after retirement. This savings scheme runs with a part of the salary of the employees and the contribution of the employer. Every month a part of the salary of the employees and the same contribution made by the employer is deposited in this account. Then the government provides interest on this principal every year.
Recently, the government has approved an interest rate of 8.25% on this scheme. Now the question arises that when will this interest rate be credited because the interest rate has been forced to be in 2024-25 and since then interest has not been received on the basis of this interest rate. However, from July 2025, interest will be credited to the account of the employees on the basis of this interest rate.
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As we said, EPF Interest Update 2025 is a retirement savings scheme. From this account, 8.33% is transferred to EPS and the remaining amount is transferred to the app. This amount is collected by EPFO on which the government provides interest and now this interest rate has been increased to 8.25%. Due to this interest, interest is provided in the savings account in the long term and the amount keeps increasing. Due to interest being received every year in the savings account, the power of compounding interest is seen and a good amount is collected by retirement.
Benefit of EPF Interest Update 2025?
EPF interest is completely tax free, if an employee wants to withdraw it, then he is given the facility to withdraw this interest by following certain conditions. EPF Interest Update 2025 is a savings scheme controlled by the government. In such a situation, there is no risk in it, rather a lump sum fund is prepared after retirement. In the long term, it is prepared as a thick fund on which the interest received increases it further. If the employee wants to withdraw this money at the time of need, then partial withdrawal is possible. In the coming time, a UPI facility is also going to be started for this withdrawal so that the employee can get his amount using UPI.
How Is EPF Interest Calculated?
EPF interest is not calculated on the whole year’s balance but on the monthly running balance in your PF account. Here’s how it works: The annual interest (like the 8.25% for FY 2024-25) is applied on the monthly closing balances and gets credited after March-end, but due to procedural delays, is usually visible from July onward.
The interest is calculated monthly but credited annually after the interest rate is declared.
How to check EPF details through website
If you want to check the status of interest through the website, then first of all you have to go to this official website epfindia.gov.in.
- By going to this official website, you have to click on the option of Employee Centric Service.
- After clicking here, you have to click on the option of View Passbook.
- By clicking here, you have to complete the login process by entering your Universal Account Number and Password.
- As soon as the login process is completed, the details of the last entry appear in your passbook where you can find out about the interest amount.
How to check from Umang app
- To check interest details from the Umang app, you have to download the Umang app on your mobile.
- Here you have to select EPFO service, after which you have to click on the option of View Passbook and enter your UAN number.
- You have to login from OTT and see the passbook details.
- If you want, you can link your UAN to the mobile number and type EPFO UAN and also send SMS to 38299 899.
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