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Saving money is always a good habit. To promote the attitude of saving for a happy retired life, investments in a Provident Fund (PF) is one of the most common avenues. It is an investment fund wherein the employee and employer/government contribute toward an employee’s retirement corpus.
All provident fund 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. It is an identification number for the members entitled to the provident fund. Irrespective of changing jobs, the UAN remains the same.
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.
The interest rate applicable to the EPF contributions is 8.10% for FY 2022-23. The TDS rate has been reduced from 30% to 20% on taxable withdrawal of EPF for individuals who do not have PAN.
Employees can now activate their own 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 would help 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, you will get your UAN number and password on your registered number, and the details can be checked by logging into the EPFO portal.
The following steps are to be followed:
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:
Members must have activated their UAN number/registered on the unified member portal to view the passbook online. After six hours of UAN activation, members can view their passbooks online. However, the passbook facility will not be available for exempted establishments members, settled members and inoperative members.
Step-by-step process to access your UAN passbook login online:
Step 1: Visit the EPF portal and click on ‘Services’ on the dashboard and click on ‘For Employees’
Step 2: Click on ‘Member Passbook’
Step 3: Enter your UAN number, password, the sum of the mathematical problem and click on the ‘Login’ button.
Step 4: Select the ‘Member ID’ and click on the ‘View Password [Old: Full]’ option.
Step 5: Your PF details will be displayed on the screen.
Step 6: You can print this passbook by clicking on the ‘Download Passbook’ option.
EPFO services are also available on apps downloaded from the UMANG app available on the Google Playstore or app store. UMANG refers to the Unified Mobile App for New Governance. Below are the steps to download the UAN passbook through UMANG App:
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 KYC document details; the last contribution made and the balance in the account.
EPFO Balance check through Missed Call
To check the 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 011-22901406 from your registered number, and an SMS containing details of the EPFO will soon be dispatched.
If you forget your EPFO login password, you can reset it by following the instructions below:
The Universal Account Number is a 12-digit number.
The Employees’ Provident Fund Organisation (EPFO) allocates the UAN for all subscribers.
To access your passbook online and on the UMANG app, you must have your UAN and password. Without the UAN, it is not possible to view your passbook electronically.
The downloaded EPF passbook is available in PDF format, and it does not require a password to open the document.
The EPF passbook entries undergo verification by the EPFO field offices before being updated in the passbook.
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.
The EPFO allows only the members to view the e-passbooks online and download it. However, the members should have registered/activated their UAN to view the EPF passbook.
No, it is not possible to access EPF/UAN passbook without knowing the UAN. UAN is required to login into the EPF account and download the EPF passbook online.
It is not compulsory to withdraw the entire accumulated amount from the EPF account. However, the account will not accrue any more interest after three months of not receiving any contributions.
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