EPF Interest Calculator
Project what your PF balance earns using the monthly running balance method. Adjust any value — nothing is fixed.
Total contributions
₹2,16,000
Interest earned
₹1,21,297
Projected balance
₹4,87,297
| Year | Opening | Contributions | Interest | Closing |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹43,200 | ₹14,009 | ₹2,07,209 |
| Year 2 | ₹2,07,209 | ₹43,200 | ₹18,728 | ₹2,69,137 |
| Year 3 | ₹2,69,137 | ₹43,200 | ₹23,837 | ₹3,36,174 |
| Year 4 | ₹3,36,174 | ₹43,200 | ₹29,368 | ₹4,08,742 |
| Year 5 | ₹4,08,742 | ₹43,200 | ₹35,355 | ₹4,87,297 |
How this is calculated
Interest for each month is calculated on the balance before that month’s contribution. Contributions are assumed credited at month end and earn interest from the following month. The annual total is rounded to the nearest rupee and credited at year end. This assumes uninterrupted monthly contributions.
This is an illustrative projection, not a promise of the rate EPFO will declare or of what your passbook will show. The rate can change each financial year, and actual credit dates and account entries affect the result.
Reviewed 16 October 2026. Your EPF passbook is an account record, not a complete payroll audit. Check each member ID, wage month and transaction against your payslips and employment history. A missing entry by itself does not prove that the employer failed to pay; the posting, transfer or member record may need checking.
Where to Check the Passbook
- Open the official EPFO Passbook service or the passbook service available through UMANG.
- Sign in through the official service and choose the member ID you want to review.
- Review the wage months and the employee share, employer EPF share, pension contribution, transfers and interest entries shown for that member ID.
- Save the statement for your own records and compare it with payslips, joining and exit dates, and any transfer acknowledgement.
Understand the Account Lines
The employee contribution, employer EPF contribution and employer pension contribution are separate. The employee and employer EPF shares form the EPF account balance; the pension share is credited under the pension scheme and is not part of that EPF balance. EDLI is an insurance scheme, not an interest-bearing balance in the member's EPF passbook.
Do not infer every passbook amount by multiplying basic pay by one fixed percentage. The applicable wage definition, statutory ceiling, membership history, scheme rules and any higher-wage arrangement can affect the contribution. Compare like with like: the wage period and contribution period may not appear as the same date.
If a Wage Month or Transfer Is Missing
- Check whether the employer has multiple member IDs and whether you selected the current one.
- Compare the wage month with the date the payment or transfer was recorded; an online entry can appear after the payroll period.
- Ask the employer to verify the ECR and remittance record for the specific wage month, or to check whether a member detail or exit-date correction is needed.
- For an old employer or transfer, keep the transfer claim acknowledgement and identify both member IDs before raising a request.
EPFO notes that a passbook may not be available for a member of an exempted establishment whose provident fund is maintained by its own trust. In that case, request the trust's account statement and check the current trust process. See EPFO's Employees' Information Booklet.
If the records still do not match, raise the issue through the official EPFiGMS grievance portal with the relevant wage months and acknowledgement. Do not post your UAN, password, Aadhaar, bank details or OTP publicly.
Check the Interest Rate for the Right Year
Interest is credited under the scheme and rate applicable to each financial year. As of 16 October 2026, the CBT had recommended 8.25% for FY 2025–26, but the Government notification was not located in the official sources checked; no FY 2026–27 rate was found. See the dated sources and historical table in our EPF interest-rate history. Do not treat an estimate as the passbook's official credited amount.
Frequently Asked Questions
Does a missing passbook line prove that my employer did not pay?
No. Check the wage month, member ID, remittance record, posting date and transfer history before drawing that conclusion.
Why can I not see a passbook?
EPFO says members of exempted establishments may need to obtain their account statement from the establishment's provident-fund trust.
Is EPS part of my EPF passbook balance?
The employer's pension contribution is accounted for under the pension scheme; it is not part of the member's EPF balance.
Where should I raise an unresolved mismatch?
Use the official EPFiGMS portal after identifying the member ID, wage period and employer record relevant to the issue.
For questions about EPF records, UANs and employer-side reconciliation, read our EPF guide or contact GHR Consultancy.