A Provident Fund (PF) is an investment fund wherein the employee and employer/government contribute toward an employee’s retirement corpus. All PF investments are made in the account maintained by the EPFO (Employees’ Provident Fund Organisation).
The EPFO allocates a Universal Account Number (UAN) for such accounts. The Universal Account Number is a unique 12-digit number allotted by the EPFO to all its members. Irrespective of changing jobs, the UAN remains the same. The UAN is essential to view and download the EPF passbook.
Every month, 12% of the basic salary plus Dearness Allowance (DA) of employees is contributed towards the PF account of the employee. The employer makes a matching 12% contribution towards the PF of employees. Additionally, the EPFO also provides interest every year upon the EPF amount to the members.
EPF members can view their EPF UAN passbook online to view the status of the PF contributions, the total contribution amount, the date of the contribution and the interest credited by the EPFO every year. A PF account holder or member can view the PF passbook through various ways.
All EPF members who have activated their UAN number/registered on the UAN Member e-Sewa or EPFO portal can view and download the passbook. However, they can view the passbook only after six hours of UAN activation. The passbook facility will not be available for the following member:
Employees can now activate their UAN number online and use that 12-digit number to view their PF account’s entire amount. Before you start the process of activating a UAN online, you’ll need your Aadhaar number. It's better if you also keep your smartphone nearby because an OTP will be sent to it.
To activate UAN online, follow these steps:
After the process is completed, your UAN number will be activated. However, please note that you can view your passbook only after six hours of your UAN activation.
The following steps are to be followed:
Step 1: Visit the EPFO portal and click on the link ‘Know your UAN'.
Step 2: Enter your mobile number, captcha code and click on the ‘Request OTP’ button.
Step 3: Enter the OTP received on the mobile number, captcha code and click on the ‘Validate OTP’ button.
Step 4: Enter your name, date of birth, Aadhaar/PAN/Member ID, captcha code and click on the ‘Show my UAN’ button.
Your UAN number will be displayed on the screen.
Once you have logged in, you will view your profile and service history. Given below is the stepwise process to login to the EPFO member portal or UAN member e-Sewa portal after UAN activation:
Step 1: Visit the EPF portal and click on ‘e-Passbook’ option available on the homepage.
Step 2: Enter your UAN number, password, captcha and click on the ‘Sign In’ button.
Step 3: Click on the ‘Passbook’ option.
Step 4: Select the ‘Member ID’ and your PF details will be displayed on the screen.
Step 5: You can print this passbook by clicking on the ‘Download as PDF’ option.
EPFO services are also available on the UMANG app available on the Google Playstore or Apple app store. UMANG refers to the Unified Mobile App for New Governance. Below are the steps to download the UAN passbook through UMANG App:
Step 1: Download the UMANG app from Google Play Store or App Store.
Step 2: Log in to the UMANG app by clicking on the profile picture. Select ‘Services’ and click on the ‘Social Security’ option.
Step 3: Click on ‘EPFO’ option from the list of services.
Step 4: Under ‘Employee Centric Service’, click on ‘ View Passbook’.
Step 5: Enter your UAN number and click on ‘Get OTP’.
Step 6: Enter the OTP received on your mobile and click on the ‘Submit’ button.
Step 7: Click on the Company for which you want to view and download the EPF passbook.
Step 8: The passbook will be displayed on the screen.
Step 9: Click on the ‘Download’ button to download the EPF passbook.
The UAN passbook contains the following details:
Users can check the UAN account balances through SMS or missed call other than through the EPFO portal and UMANG app.
EPFO Balance Check through SMS
EPF account balance can be checked by sending an SMS to 7738299899 from the registered mobile number. The format for sending the message is ‘EPFOHO UAN ENG’, where ENG is the three characters of the language you prefer. The language facility is available in ten vernacular languages, i.e. (English, Hindi, Telugu, Punjabi, Gujarati, Marathi, Malayalam, Tamil, Kannada, and Bengali).
There is a probability that you may not receive a message if your Aadhaar, PAN and bank account were provided by the employer and were not digitally approved. In such an instance, you must contact your employer immediately. When the message has been successfully accepted, an SMS is received from EPFO, which states the last contribution made and the balance in the account.
EPFO Balance Check through Missed Call
To check the EPF account balance by giving a missed call, the account holder must ensure that the KYC details have been linked and integrated with the UAN. When the KYC has been successfully linked, you may give a missed call to 9966044425 from your registered number, and an SMS containing details of the EPFO will soon be dispatched.
The EPFO updates the EPF passbook as soon as a contribution is made to the employee’s account. However, the updated date is not mentioned in the passbook. It only contains the year and month in which the contribution is made.
The employer contributes 8.33% of the employee’s basic salary and dearness allowance in the EPS account of the employee every month. The pension contribution can be seen in the last column of the EPF passbook.
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