How to Check PF Balance Using Missed Call Service Amid 8.25% Interest Rate Updates

The Employees' Provident Fund (EPF) scheme applies to private sector employees in India, with both employers and employees contributing 12% of the employee's salary. Of the employer's contribution, 8% goes to the Employees' Pension Scheme (EPS) while 3% is credited to the EPF account. The central government has set the interest rate on PF deposits at 8.25% for the 2025-26 financial year, credited annually at the end of each financial year. However, many employees have not yet received this interest credit and are seeking ways to verify their account status.

Employees now have four convenient methods to check their PF balance and verify interest deposits. The most accessible option is the missed call service, which requires employees to give a missed call from their registered mobile number to 9966044425. Within 2-3 rings, the call disconnects automatically, and an SMS containing the PF balance details and last contribution information is sent immediately to the registered number. This method requires no internet connection or login credentials.

Alternative methods include the official EPFO website (epfo.gov.in), where members can log in using their UAN and password to access the passbook section and view detailed balance information and interest credits. The UMANG mobile application, available on Google Play Store, offers a user-friendly interface where employees can search for EPFO services and track claims using their UAN number. SMS service is also available by sending "EPFOHO [UAN]" to 7738299899 from the registered mobile number, with language options available by adding language codes such as TEL or ENG.

Regarding delayed interest payments, the EPFO has clarified that while interest is mandated to be credited at the end of each financial year, the exact date may vary. There is no loss of benefits regardless of when the interest is ultimately deposited into the account. The EPFO regularly reassures PF subscribers that the complete amount will be credited whenever the interest transfer occurs, so employees need not be concerned about delays.