What is EPF?
EPF (Employees’ Provident Fund) is a savings scheme for employees. Every month, a part of your salary is saved in your EPF account, and your employer also adds the same amount.
The government adds interest to this amount every year. But many people don’t know how to check the interest in their EPF account.
So here we’ll explain in very easy English how to check your EPF interest in 5 simple ways.
✅ 5 Easy Ways to Check EPF Interest
1. Using the EPFO Website
Go to the official EPFO website:
🔗 https://www.epfindia.gov.in
➡️ Click on “Member Passbook”
➡️ Login using your UAN and Password
➡️ You will see your full passbook with interest details
✔️ This is the easiest and official way to check EPF interest.
2. Using the UMANG App
UMANG is a government mobile app for many services.
📱 Steps:
- Download the UMANG app
- Go to the EPFO section
- Click on “View Passbook”
- Login with UAN and OTP
- You will see your passbook with interest details
👍 If you use a mobile phone, UMANG is a great way to check EPF interest.
3. By Sending an SMS
You can get your EPF balance and interest by sending a simple SMS.
📝 Type this SMS:
EPFOHO UAN HIN
📤 Send to this number:
7738299899
➡️ You will get an SMS reply with your total EPF balance and interest.
💡 Make sure your mobile number is linked with your UAN.
4. By Giving a Missed Call
You can also know your PF interest by just giving a missed call.
📞 Give a missed call from your registered mobile number to:
011-22901406
📲 You will get an SMS with your PF balance and interest amount.
✔️ This is a very quick and free method!
5. Using EPFO Mobile App (m-EPF)
You can also use the EPFO official app or PF Passbook app.
📱 Steps:
- Download the EPFO app
- Login with your UAN
- Go to the “Passbook” section
- Check all transactions and interest added to your account
When is Interest Added to Your EPF?
Every year, the government declares the EPF interest rate, usually around March or April. But the interest may take a few months to be credited to your account. So check your passbook regularly to see when the interest is added.
💡 Important Tips While Checking EPF Interest
- Your UAN must be activated, and your KYC must be updated
- If you forgot your password, you can reset it on the EPFO website
- Sometimes the website or app may be slow or down on holidays — try again later
Conclusion
Now you know exactly how to check your EPF interest in 5 simple ways:
- EPFO Website
- UMANG App
- SMS
- Missed Call
- EPFO Mobile App
✔️ All methods are free, safe, and easy to use.
✔️ Checking your EPF interest regularly is a smart financial habit.