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Delay in credit of EPF interest for FY25? A guide to check & fix it

The 8.25% interest payment for FY25 is being made by the EPFO. However, delays may occur. Account holders should verify their KYC details (Aadhaar, PAN, bank account) on the EPFO portal. Check your passbook online via the member portal or UMANG app. If issues continue, use EPFiGMS to file a complaint. or visit your local EPFO office.

Steps to Check Your EPF Interest & Resolve Delays
Steps to Check Your EPF Interest & Resolve Delays
| Updated on: Jul 12, 2025 | 10:48 AM

New Delhi: The Employee Provident Fund Organisation (EPFO) is in the process of disbursing the interest rate amount for the previous fiscal year, FY25, to the eligible EPF account holders. The interest rate set for FY25 was 8.25%. However, there may be some problems that account holders face. EPF account holders may face a slight delay in receiving the total interest amount and are advised in such conditions to check the status online and take the necessary steps.

Every financial year, the Central Board of Trustees (CBT) decides the rate of interest on the deposits of the previous financial year. However, after the decision on the interest rate is taken, it usually takes time to credit the interest because of the administrative paperwork of calculating the interest on each account.

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Unlike bank fixed deposits, EPF interest is accrued every month but is credited to the account only once a year. Delay in updating the passbook does not change the total amount. as long as one is not withdrawing the money.

What measure should be taken if the interest is delayed

If in the case of interest delayed, then the following list of measures is to be taken:

  • Check KYC details: Check on the EPFO ​​portal whether your Aadhaar, PAN, and bank account are correctly linked and verified.
  • Check passbook online: Check the latest details of your passbook from the EPFO ​​member portal or the UMANG app.
  • Lodge a complaint: If there is still an issue, lodge a complaint online through the EPFiGMS (EPF i-Grievance Management System) portal.
  • Visit the EPFO ​​office: If the problem persists, take your UAN number and identity card and go to the nearest EPFO ​​office for help.

The interest will be updated in the accounts of most account holders in a few days, as EPFO ​​has started the process of crediting. If there is still a delay in your account, then keep an eye on the passbook and take any action only if necessary.

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