New Delhi, July 13 -- Millions of Employees' Provident Fund (EPF) subscribers are expected to see the 8.25% interest for FY2025-26 reflected in their passbooks this month. But one question continues to confuse many salaried employees: if the annual EPF interest rate is 8.25%, does the balance earn a fixed monthly return?

The answer is no.

Although EPFO calculates interest every month, it does not credit it monthly. Instead, interest is computed on the monthly running balance in a subscriber's EPF account throughout the financial year and is credited only once the annual interest rate is officially notified and the accounts are updated.

This is why your EPF passbook may not show any interest for several months, even though your retireme...