EPFO

The EPFO Portal was launched by the Government of India and is the online interface of the Employees' Provident Fund Organisation (EPFO). EPFO is a statutory body under the Ministry of Labour & Employment, Government of India. The portal allows both employees (members) and employers to access and manage services related to the Employees' Provident Fund (EPF), Employees' Pension Scheme (EPS), and Employees' Deposit Linked Insurance Scheme (EDLI).

Feature	Description
Full Name	Employees' Provident Fund Organisation
Governing Body	Statutory body under the Ministry of Labour & Employment, Government of India
Establishment Year	1952
Primary Mandate	Administer and manage the Provident Fund scheme, the Pension Scheme, and the Insurance Scheme for the organized sector workforce in India.
Key Schemes	1. Employee Provident Fund (EPF) 2. Employee Pension Scheme (EPS) 3. Employee Deposit Linked Insurance (EDLI) Scheme
Employee Contribution (EPF)	12% of basic salary + Dearness Allowance (DA)
Employer Contribution	12% of basic salary + DA, split as: - 8.33% goes to EPS (subject to wage ceiling) - 3.67% goes to EPF
Central Govt. Contribution (EPS)	A small share contributed to the EPS.
EDLI Contribution	Employer contributes 0.5% of employee's basic salary + DA (subject to a maximum of ₹75/month). Employee does not contribute.
Interest Rate (EPF)	Declared annually by EPFO and credited to the member's account (compounded annually). The rate varies each year.
Pension Benefit (EPS)	Monthly pension after retirement (minimum 10 years of service, 58 years age), based on average salary and years of contribution.
Insurance Benefit (EDLI)	Lump-sum to nominee/legal heir on death of an active EPFO member (max ₹7 lakh).
Universal Account Number (UAN)	A unique 12-digit number acting as a single identifier for all PF accounts. Enables portability and online access.
KYC (Know Your Customer)	Verification via Aadhaar, PAN, bank details, mobile number, and email. Essential for claims and online transactions.
EPF Passbook	Online statement showing contributions, pension share, and interest. Accessible via portal and UMANG app.
Claim Settlement	Allows partial and full withdrawals online. Claim status tracking available.
Account Transfer	Online facility to transfer PF balance between employers through the member portal.
Tax Benefits	EPF contributions eligible for tax deduction under Section 80C. Interest usually tax-free.
Online Portal	Unified Member Portal – for UAN activation, claims, KYC, etc.
Grievance Redressal	EPFiGMS – register and track complaints.
Mobile App	UMANG App – provides access to balance check, passbook, claim, and grievance services.
Customer Care	Toll-free number: 1800 118 005 (24x7)
Balance Check Methods	Online portal, UMANG app, SMS (7738299899), Missed call (9966044425)

The Three Pillars of EPFO

Your contribution to EPFO actually goes into three distinct schemes:

1. Employee Provident Fund (EPF): Your Retirement Nest Egg

• Contribution: Both employee and employer contribute 12% of basic salary + DA.
• Allocation: Employer’s 12% split: 8.33% to EPS, 3.67% to EPF. Entire 12% from employee goes to EPF.
• Interest: Annual interest declared by EPFO, compounded yearly.
• Withdrawal: Partial withdrawals allowed under specific conditions. Full withdrawal on retirement or extended unemployment.

2. Employee Pension Scheme (EPS): Your Post-Retirement Income Security

• Contribution: 8.33% of employer's share + a small share from central govt.
• Benefit: Monthly pension after 10 years of service and age 58, calculated on average last 60 months' salary and years of contribution.
• Note: Pension contribution calculated only on salary up to ₹15,000/month.

3. Employee Deposit Linked Insurance (EDLI) Scheme: Financial Protection for Your Family

• Contribution: 0.5% of salary (max ₹75/month) by employer only.
• Benefit: In case of death during service, nominee/heir gets lump-sum insurance (up to ₹7 lakh).

Key Benefits of Being an EPFO Member

• Retirement Security: EPF ensures a retirement corpus.
• Pension Income: Regular income via EPS after retirement.
• Financial Protection for Family: EDLI gives insurance cover.
• Tax Benefits: EPF contributions deductible under Sec 80C; interest usually tax-free.
• Loan Facility: Loans against EPF for specific needs.
• Portability: Easily transfer EPF account when switching jobs.
• Online Access and Convenience: View balance, statements, transfer or withdraw funds online.

How to Login to the EPFO Member Portal

1. Visit the EPFO Member e-Sewa Portal: Go to the official website: https://unifiedportal-mem.epfindia.gov.in/
2. Enter your UAN: On the login page, enter your Universal Account Number (UAN).
3. Enter your Password: Type in the password linked to your UAN.
4. Enter the Captcha: Fill in the captcha code shown for verification.
5. Click on 'Sign In': After entering all details, click the Sign In button to access your account.

Universal Account Number (UAN) Login

Follow these simple steps to access your EPFO member account:

1. Visit the EPFO Member e-Sewa Portal: Go to the official website: https://unifiedportal-mem.epfindia.gov.in/

2. Enter your UAN: Locate the field for Universal Account Number (UAN) and enter your number.
3. Enter your Password: Type in your EPFO login password.
4. Enter the Captcha: Input the captcha code shown on the screen.
5. Click on 'Sign In': Press the Sign In button to log in and access your EPF account.

EPF Passbook

Your EPF passbook is an online statement showing your and your employer's monthly contributions and interest earned.

Access via EPFO Member e-Sewa Portal:

1. Visit: EPFO Passbook Portal
2. Login using your UAN, password, and captcha code.
3. View or download your passbook for contribution and interest details.

Access via UMANG App:

• Download and register on the UMANG app.
• Navigate to EPFO services & 'View Passbook'.

Other Ways to Check EPF Balance:

• Missed Call: Dial 9966044425 from your UAN-registered mobile.
• SMS: Send EPFOHO UAN ENG to 7738299899 (replace 'ENG' with your language code).

EPF Claim Status

You can track the status of your withdrawal or transfer claims through multiple channels.

Online Methods:

• UAN Member Portal:
  
  1. Visit: EPFO Member Portal
  2. Log in with UAN and password.
  3. Navigate to ‘Online Services’ &‘Track Claim Status’.
• EPFO Website:
  1. Visit: EPFO Main Website
  2. Click 'Services' & 'For Employees' & 'Know Your Claim Status' (redirects to passbook login).
• UMANG App:
  1. Open UMANG app.
  2. Go to EPFO services & 'Track Claim'.
  3. Enter UAN to view claim status.

Offline Methods:

• Missed Call: Dial 9966044425 from your registered mobile.
• SMS: Send EPFOHO UAN ENG to 7738299899.
• Call: EPFO Toll-Free Number: 1800 118 005.

Possible Claim Statuses:

• Payment under process / Pending: Claim is under review.
• Settled: Payment has been or will soon be processed.
• Rejected: Discrepancy found (e.g., detail mismatch, signature issue).
• Not Available: No claim has been filed or processed yet.

Know Your Customer (KYC) in EPFO

KYC in EPFO ensures your EPF account is correctly linked with your identity and bank account, making withdrawals and transfers smoother.

Key KYC Details in EPFO:

• Aadhaar: Essential for identity verification and account linkage.
• PAN: Required for tax compliance and transactions involving TDS.
• Bank Account: Necessary to receive EPF withdrawals and payments (includes account number and IFSC code).
• Mobile Number: Used for OTP authentication and communication.
• Email ID: Helps in receiving official EPFO updates and alerts.

How to Check or Update Your KYC in EPFO:

1. Visit: Go to the EPFO Member e-Sewa Portal: https://unifiedportal-mem.epfindia.gov.in/
2. Login: Enter your UAN and password to log in.
3. Navigate to 'Manage': Click on the Manage menu in the top navigation.

4. Select 'KYC': This will show you the current KYC details linked to your account.

5. Update if Needed: Add or update details. You may be required to upload scanned copies for verification.

Note: Once submitted, your updated KYC details will be verified by your employer and approved by the EPFO.

Register a Grievance on EPFIGMS

Follow these steps to submit your grievance online via the EPFO's i-Grievance Management System:

1. Visit the EPFIGMS Portal:
   Go to https://epfigms.gov.in/
2. Click on "Register Grievance":
   Find and click on the "Register Grievance" tab on the homepage.
3. Select Your Status:
   Choose from:
   • PF Member
   • EPS Pensioner
   • Employer
   • Others

4. Enter PF Account Details (for PF Members):
   Choose whether you have a Claim ID. If not, enter your UAN and captcha, then click "Get Details".
5. Verify Your Details and Get OTP:
   Your UAN info will be displayed. Click "Get OTP" to receive it on your registered mobile. Enter the OTP to proceed.
6. Provide Grievance Details:
   • PF Members: Select your PF account number, choose the grievance category, and describe your issue.
   • Pensioners: Provide PPO number and grievance description.
   • Employers: Enter establishment details and grievance.
   • Others: Fill in required personal and grievance details.
7. Upload Supporting Documents (Optional):
   Click "Choose File" and "Attach" to upload supporting documents, if any.
8. Read and Accept the Declaration:
   Check the box to accept the declaration terms.
9. Submit Your Grievance:
   Click on "Submit" after verifying your details.
10. Note Your Grievance Registration Number:
    You will receive a unique grievance registration number via SMS and email. Save it for future reference and status tracking.

Withdrawal Forms

S.No	Form Name	Purpose	Download Link
1	Form 19	Final PF Settlement (Full Withdrawal)	Download Form 19
2	Form 10C	Pension Withdrawal Benefit / Scheme Certificate	Download Form 10C
3	Form 10D	Monthly Pension Form	Download Form 10D
4	Form 31	Partial Withdrawal (Advance)	Download Form 31

How to Check EPFO Balance

You can check your EPF balance through multiple methods. Choose the one most convenient for you:

1. EPFO Member e-Sewa Portal

• Visit: EPFO Member Portal
• Login with your UAN and password.
• Go to the 'View Passbook' section under the 'Online Services' tab.
• Select your Member ID to view your passbook with balance details.

2. UMANG App

• Download the UMANG app from the Google Play Store or Apple App Store.
• Register and log in using your mobile number.
• Search for 'EPFO' under 'Services'.
• Navigate to 'Employee Centric Services' & 'View Passbook'.
• Enter your UAN and OTP sent to your registered mobile number to view your balance.

3. SMS

• Make sure your UAN is activated and your mobile number is registered with EPFO.
• Send an SMS in this format: to 7738299899
• Replace & LAN& with your preferred language code (e.g., ENG for English, HIN for Hindi).
• You’ll receive an SMS with your PF balance and last contribution details.

4. Missed Call

• Ensure your UAN is activated and KYC (Aadhaar, PAN, bank details) is updated.
• Give a missed call to 9966044425 from your registered mobile number.
• You will receive an SMS with your EPF balance details.

Important Points:

• Your UAN must be activated for online and app-based methods.
• Mobile number must be registered with EPFO for SMS and missed call services.
• The passbook available on the portal and UMANG app includes transaction history and interest details.

EPFO Contact Details

Contact Type	Details
Toll-Free Helpline	14470 (7 am - 9 pm)
Missed Call (Balance)	9966044425 (from registered mobile number)
SMS (Balance)	SMS "EPFOHO UAN" to 7738299899
Grievance Redressal	https://epfigms.gov.in
Head Office Address	Employees' Provident Fund Organization, (Ministry of Labour & Employment) Plate A Ground Floor, Office Block-II, East Kidwai Nagar, New Delhi - 110023
Fax (Head Office)	011-20815658
Telephone (Head Office)	011-20815653
CPFC Email	cpfc@epfindia.gov.in

FAQ's

What is EPFO?

It's the Employees' Provident Fund Organisation, responsible for managing provident fund, pension, and insurance schemes for the organized sector workforce in India.

Who is eligible for EPF?

Generally, employees working in establishments with 20 or more employees are eligible, subject to certain salary conditions.

How much do I contribute to EPF?

You contribute 12% of your basic pay and dearness allowance, and your employer makes an equal contribution.

How can I check my EPF balance?

You can check online through the EPFO portal, UMANG app, SMS, or missed call.

When can I withdraw my EPF?

Withdrawal is generally allowed upon retirement, but partial withdrawals are permitted under specific circumstances like medical emergencies, education, or marriage.

How do I update my KYC details in EPFO?

You can update your KYC (Know Your Customer) details online through the EPFO portal using your Aadhaar, PAN, and bank account.

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