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EPF: Has the interest amount not been credited to your EPF account? Find out the reason..
Shikha Saxena | July 29, 2026 3:15 PM CST

The EPFO ​​has started crediting interest to subscribers' accounts. This pertains to the financial year 2025-26. The government had previously approved a proposal to provide 8.25% interest on the funds deposited in EPFO ​​subscribers' EPF accounts. Millions of EPFO ​​subscribers will benefit from this.

**Many subscribers have not yet received a message**

The Employees' Provident Fund Organisation (EPFO) began transferring the interest amount over a week ago. Subscribers are being informed about this via SMS. While many have already received messages regarding the interest transfer, others have not yet received such notifications.

**EPFO is transferring funds to subscribers in batches**

Subscribers who have not received the interest transfer SMS are concerned. However, experts state that there is no need to worry. This is because the EPFO ​​is transferring the interest in phases rather than transferring funds to all subscribers' accounts at once.

**Funds will soon be transferred to the remaining subscribers as well**

Since the funds are being transferred in separate batches, it may take some time for the money to appear in the accounts of many subscribers. Those who have not yet received the interest credit will need to wait; they will receive an SMS notification soon. Many subscribers have reported not receiving an SMS so far.

**Complaints can be lodged via the EPFO ​​portal**

Abhishek Aneja, a Chartered Accountant based in Gurugram, said, "If the interest is not yet visible in a member's EPF account, there is no need to panic. Check your EPF passbook, UAN, KYC details, and the status of contributions made by your employer. If the interest is still not updated after this, a complaint can be lodged through the EPFO's online grievance redressal portal or the regional office."

**Interest for the entire financial year is transferred at once**

The EPFO ​​transfers the interest for the entire financial year on the funds deposited in subscribers' EPF accounts. This year, the EPFO ​​has started transferring interest payments earlier than last year. Subscribers whose accounts have not yet been credited with the interest should wait. If the money is not received even after waiting, a complaint can be lodged via the EPFO ​​website.

Disclaimer: This content has been sourced and edited from Money Control. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.


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