EPF Login - EPFO Member Login And How To Download EPF Passbook?

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.

Latest Update

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. 

 

How To Activate A UAN Online?

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:

• Go to the UAN Member-e-Sewa page and search for ‘Active UAN’ under the ‘Important Links’ section.
• Click on ‘Member ID’ and click on the Aadhaar option. Enter your Aadhaar number.
• You will be asked to enter important details like your name, date of birth, contact number and the Captcha code. Now, click on the ‘Get Authorisation Pin’ button.
• A new screen will appear on your desktop, where you will be provided with your given details. Make sure that all the information is correct.
• Now, you will have to click on the ‘Agree’ checkbox. Enter the four-digit OTP.
• Once the OTP is verified, the UAN will be activated.

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.

UAN Status Check

The following steps are to be followed:

• Visit the EPFO portal and click on the link ‘Know your UAN Status.’

• Enter your mobile number, captcha code and click on the ‘Request OTP’ button.  

• Enter the OTP received on the mobile number, captcha code and click on the ‘Validate OTP’ button.
• 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.

UAN Passbook Login or Member e-SEWA Portal Login Process

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:

• UAN Member e-Sewa page
• Enter your UAN, password and captcha code
• Click on ‘Sign in’ to log in to the UAN member portal.

UAN Passbook Download Through EPF Website

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.

UAN Passbook Download Through UMANG App

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:

• Download the UMANG app from Google Play Store or App Store.
• Select the “EPFO” option listed under ‘All Services’ tab.

• Under ‘Employee Centric Service’, click on ‘ View Passbook’

• Enter your UAN number and click on ‘Get OTP’.
• Enter the OTP received on your mobile and click on the ‘Submit’ button.
• Click on the EPF Member ID for which you want to view and download the EPF passbook.
• The passbook will be displayed on the screen.
• Click on the ‘Download’ button to download the UAN passbook.

Contents Of UAN Passbook

The UAN passbook contains the following details:

• Establishment ID and the name of the company/employer
• Member ID and the member’s name
• Name of the EPFO office and its type
• Employees and employers share in the EPF contribution
• Monthly depository and withdrawal contribution of the employee and the employer
• Monthly contribution towards the pension account of the employee
• The date and time of the printing of the passbook are mentioned at the end of the statement

Other Ways To Check Your UAN Passbook Account Balance

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.

Frequently Asked Questions

How can I generate a password to check the EPF passbook?

If you forget your EPFO login password, you can reset it by following the instructions below:

• Visit the UAN Member e-Seva page.
• Click on the ‘Forgot Password’ option on the EPFO/UAN member e-Sewa Portal.
• Enter your Universal Account Number (UAN) and captcha code and click on the ‘Submit’ button., and confirm it using the captcha provided.
• Enter
• the name, date of birth, gender and click on the ‘Verify’ button.
• Enter the captcha code and Aadhaar number and click on the ‘Verify’ button.
• Enter the mobile number to which the OTP will be delivered.
• Submit the one-time password (OTP) you received on your registered mobile number. You’ll be taken to a website where you can reset your password.
• Click ‘Confirm’ after entering the new password.

How big is UAN?

The Universal Account Number is a 12-digit number.

Who allots UAN?

The Employees’ Provident Fund Organisation (EPFO) allocates the UAN for all subscribers.

Can the EPF passbook be viewed online without the Universal Account Number (UAN)?

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.

What format does the PF passbook come in? To open the document, is a password required?

The downloaded EPF passbook is available in PDF format, and it does not require a password to open the document.

Does the Employees Provident Fund Organisation (EPFO) validate all entries made on the EPFO passbook?

The EPF passbook entries undergo verification by the EPFO field offices before being updated in the passbook.

Who updates the EPF 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.

What is pension contribution?

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.

Who can download the EPF passbook online?

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.

Can I access EPF Passbook without using UAN?

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. 

Should I mandatorily withdraw from EPF once I retire?

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.

For further reading and understanding, check out these articles

UAN (Universal Account Number)  
How to Link Aadhaar with UAN and PF  
EPF Balance Check 
EPFO (Employee Provident Fund Organization)
How To Withdraw PF Amount Online?