New Delhi, June 15 -- Millions of Employees' Provident Fund (EPF) subscribers are closely tracking their account balances after the Employees' Provident Fund Organisation (EPFO) retained the interest rate at 8.25% for FY2025-26. As June progresses, many members are checking their passbooks to see whether the annual interest has been credited.

The question arises every year. While the interest rate is announced well before the end of the crediting process, the actual interest often takes weeks or even months to appear in member accounts. The gap frequently leaves subscribers wondering whether the credit has been delayed and when it is likely to reflect in their balances.

The Central Board of Trustees (CBT) of the EPFO, chaired by Union L...