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If you are employed and some part from your salary every month Employee Provident Fund (EPF) If I cut, this news is very beneficial for you. Government FY 8.25% interest rate for 2024-25 Permission has been granted. That is, you will still get the same interest as it was received last year.

In this article we will tell you that in your EPF account How much interest will be received, how interest is calculated and how long interest will start appearing in your account.

How is interest calculated?

EPF interest is calculated at the end of the month on the basis of balance, but Interest accumulates at the end of the financial year at a time of the whole year.Its calculated EPF Scheme, 1952 Para 60 According to

Let’s understand from an example:

Suppose:

• Your EPF Balance (1 April 2024): ₹ 5 lakh

• Yours Monthly salary: ₹ 50,000

• Employee Contribution (12%): ₹ 6,000

• Employer contribution (12%): ₹ 6,000

But out of 12% of the employer’s amount:

• 8.33% EPS (Pension) Goes into = ₹ 1,250

• The remaining ₹ 4,750 is deposited in the EPF account

So the total contribution to EPF every month will be: ₹ 6,000 (your) + ₹ 4,750 (employer) = ₹ 10,750

In this way, ₹ 10,750 × 12 = ₹ 1,29,000 will be added to your account in a year.

Now this amount and existing balance will cost 8.25% annually, ie you will get close ₹ 42,667 interest Will get (approximate).

When does EPF interest in the interest account?

Calculate interest Monthly balance It is based on, but Interest entry occurs at the end of the yearThat is, after March 2025, EPFO ​​will start the process of adding interest.

• Usually by August-September 2025 The entry of interest is made in EPF accounts.

• Sometimes it can also be delayed due to technical reasons.

How to check EPF balance?

If you want to know whether interest is connected or not, then you can see EPF balance in these methods:

1. From EPFO’s website:

• Website:

• Go to Member Passbook section and login with UAN and password

2. From SMS:

• Type your registered mobile number:
  EPFOHO UAN HIN

• Send more to 7738299899

3. From Missed Call:

• Missed call on 011-22901406

• EPF balance will be found on registered mobile

4. Umang App:

Who are the beneficiaries?

Close across the country More than 6 crore employees EPF accounts are holders. All these people will benefit from the approval of interest rate of 8.25%.

In mind things:

• H Only on the amount that remains in the account throughout the month,

• If you have withdrawn or transferred money in the middle, then the interest of that month will not be available.

• If EPF contributed in a month, interest does not add interest that month.