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Loading PaisaToolsCheck the interest EPFO credited for a year against what the rule actually produces
Reviewed by the PaisaTools Editorial Team · Last reviewed September 2026
How to use: Pick the financial year, enter your opening balance and monthly EPF credit, then add what your passbook shows to compare.
ExampleYou carried ₹2.5 lakh into the year and ₹5,000 went in each month — what should the interest entry say?
Rate applied: 8.25%, as declared by EPFO for this year.
The EPF balance carried into the year. This earns the full rate.
Your share plus the employer's EPF share, as the passbook shows them. Leave out the pension (EPS) column — that money earns no interest.
Interest EPFO should credit for FY 2025-26
₹22,894
The headline rate is 8.25%, but the year's own contributions only earn for the months they were actually in the account — so the credit lands at 6.88% of your closing balance. That gap is the rule working correctly, not money missing.
Interest is worked out on the balance at the start of each month, which is why April earns nothing on money paid in during April.
Every other PF calculator in India answers one question: what will I have at retirement? That is a projection, and it is not what anyone asks when the annual interest finally lands in their passbook and looks far smaller than expected.
This one runs the year backwards instead. Put in the balance you carried into the year and what was credited each month, and it shows what EPFO's own method produces — month by month, so you can see exactly where the number comes from. If you have the figure from your passbook, it will tell you whether the two agree.
For why the credit arrives months late, and why it is smaller than the headline rate suggests, read what is actually going on when PF interest is not credited. If a claim was turned down rather than an interest entry missing, start with how to find the real reason a PF claim was rejected.
Interest rates as declared by the EPFO Central Board of Trustees for each financial year (8.25% for FY 2023-24 through FY 2025-26; 8.15% for FY 2022-23; 8.10% for FY 2021-22). The method — interest on the monthly running balance at one-twelfth of the annual rate, credited once at year end — is EPFO's own stated basis.
This shows what the rule produces from the figures you enter, which is not the same as auditing your account. A mid-year job change, arrears credited late, loss-of-pay months, or an employer filing behind schedule will all move the real figure legitimately. EPS contributions are excluded on purpose because they earn no interest. If your passbook differs by a large margin, raise it through EPFO's own grievance route rather than treating this as proof of an error.