EPFO 8.25% interest rate for FY2025-26 approved by Finance Ministry and being credited to 7 crore+ EPF accounts in June 2026 — third consecutive year at same rate. How to check EPF balance via UMANG app, missed call, SMS and UAN portal. EPFO 3.0 UPI ATM withdrawal coming soon. EPF vs PPF vs FD comparison and VPF strategy guide.