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  • EPFO - Employee Provident Fund Organization

    What is Employee Provident Fund Organization (EPFO)?

    EPFO or the Employees' Provident Fund Organization, is a statutory body created by the Indian Government. The EPFO is one among India’s largest social security organizations since it covers a vast number of beneficiaries and undertakes a high financial transaction volume. This falls under the under the administrative power of the Ministry of Labor and Employment. The EPFO came into existence through the Employees’ Provident Fund Ordinance passed in 1951 which was the predecessor to the Employees’ Provident Fund Act, 1952. The Employees’ Provident Fund Act, 1952 is currently known as Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. This is applicable all over India, except in the state of Jammu & Kashmir.

    The schemes under this Act is implemented by a governing body - the Central Board of Trustees. The CBT makes all relevant decisions related to the implementation and execution of the schemes under this programme which are the Employees’ Pension Scheme (EPS), Employees’ Provident Fund Scheme (EPF) and Employees’ Deposit Linked Insurance Scheme (EDLI). These schemes are mandatory contributions that have to be made by its members and are administered by the Central Board of Trustees (CBT).

    Brief History of the Origin of EPFO

    Under the "Directive Principles of State Policy", the Constitution of India makes the provision that each State should make an arrangement for its residents in relation to the right to education, to work and for assistance in the event of old age, unemployment, illness and disablement. Based on this provision the Parliament enacted the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952.

    Structure of the Employee Provident Fund Organization (EPFO)

    The organization's administrative work is categorized into several zones that are headed by an Additional Central Provident Fund Commissioner in each one of the States in India. Each state has at least one Regional Office which is taken care of by the Regional Provident Fund Commissioners (RPFC) (Grade I). The power hierarchy is further subdivided into Sub-Regions that are taken care of by Regional Provident Fund Commissioners (Grade II). The Assistant Provident Fund Commissioners assist them. There are district offices located in most regions, with an Enforcement Officer who inspects and oversees the local establishments and resolves grievances.

    Services provided by the Employee Provident Fund Organization (EPFO)

    Employers

    Under Schedule One of the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952, a list of factories has been provided which explains in detail the types of establishments that have to follow the rules and regulations as stipulated in the Act. Establishments which have not less than 20 employees have to take part in this contribution scheme. Most of the activities to be carried out by these establishments can be done online, as facilitated by the EPFO. The online services offered by the EPFO to Employers who are part of the schemes, are as follows:

    Register the Establishment Online

    Employers can now register their organizations online, through the OLRE (Online Registration of Establishments) portal. EPFO has introduced this online portal for the purpose of allotting PF Code numbers. Any queries related to registering online and getting PF codes can be cleared by reaching out to the helpdesk at the toll free number - 1800 118 005. This service will be available on working days, between 9.45 A.M - 5.15 P.M. At the time of application, the employers have to upload a digitally signed document. The signature should be in the employer’s name and this will be automatically added in the online application under the heading “Employer’s Details”. The employer’s PAN details will also be verified in this process. Establishments or employers who are eligible to register online for receiving the PF codes are categorized as follows -

    1. Establishments listed under the list of factories provided as per the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952

    2. Establishments that do not come under the specifications laid down by the Act, but in which the Employer as well as a majority of the employees voluntarily wish to participate

    3. Establishments that already have a PF code but wish to be allotted another PF code for its subsidiary unit or branch, for the benefit of convenient administration. For this purpose they need not register again but can use the ECR log in and fill Form 5 A and submit it online.

    UAN Member Details

    Employers can find out the details regarding a particular UAN member online, by going to EPFO’s EPF portal. In order to get the relevant details online, the employer will have to provide basic information such as - select the particular EPFO office, give the establishment code, provide the establishment’s extension no. and the mobile number registered in the ECR portal. Click on generate OTP and authenticate your identity then you will be redirected to a page which provides all relevant information pertaining to the UAN entered.

    Aadhar Erroneous Data Download Online

    In order to download the Erroneous Data (Aadhar), employers can visit EPFO’s EPF portal and provide some basic information such as - select the particular EPFO office, give the establishment code, provide the establishment’s extension no. and the mobile number registered in the ECR portal. An OTP will be generated and sent to the registered mobile number. This has to be validated in order to proceed to the next step and gather information pertaining to Erroneous Data (Aadhar) and download the same, online.

    Online Payment for EPF Subscription

    Employers can pay for their EPF subscription online through the Net Banking Facility provided by their bank. EPFO has a tie up with State Bank of India and therefore, corporate customers of the Bank who has enabled Net Banking facility can use the link provided in Online SBI to quickly and easily pay for their EPF subscription. Other Bank net banking facility can also be used to pay for the same if the employer does not have SBI Net Banking or Net Banking from an associate Bank such as State Bank of Hyderabad, State Bank of Travancore, State Bank of Mysore, etc.

    Challan/ ECR Submission Online

    Employers can register in the e-Sewa portal and get a unique user id and password. By logging in to the e-Sewa portal, employers can upload the Electronic challan and the return data that has been uploaded will be reflected in the copy with digital signature, which comes in the PDF format that the employer can take a print out of. Upon approval of the employer the Challan will be generated online and the payment towards the same can be made through SBI Net Banking. If the employer does not have SBI Net Banking, they have to get a copy of the Challan and pay the amount at any affiliate branch of the Bank. The benefits of this option are-

    1. A paper return document need not be created and submitted to the EPFO.

    2. Form 3A, Form 5, Form 6A, Form 10, Form 12A, etc. need not be submitted.

    3. SMS is sent to the employer with confirmation of successful payment of dues.

    4. The employer’s contribution will be credited to the employees’ PF account on a monthly basis.

    5. Annual slips for each financial year can be viewed online.

    EPFO Grievance Management System

    EPFO has also provided an online portal called EPFO Grievance management system for employers to seek a solution to their grievances. They can register a grievance online by filing a grievance registration form. In this form you have to provide information such as: Status (whether you are an employer, PF member, EPF pensioner or other category), PF number, related EPFO office, name of the establishment, address of the establishment, personal details such as complainant’s name, address of the complainant, phone number and email ID. Once these are filled, under the relevant column marked for grievance description write the details pertaining to the same after specifying the grievance category. Under this section the categories to choose from are - Final settlement or PF withdrawal, transfer of PF accumulations (F-13), scheme certificate (10 C), pension settlement (10 D), Issue of PF Balance or PF slip, Payment of Insurance Benefit, Cheque misplaced or returned, or other categories. Once you have registered a complaint and have not received a response, you can send a reminder to the organization through the same online portal by choosing the “send a reminder” option and filling in your grievance registration number, password and captcha and then clicking on the “Submit” tab. You can also view the status of your registered complaint online using this portal and entering the details described above.

    Online Transfer Claim Portal

    This is offered by EPFO in order to enable employers to submit the transfer claims online and thereby make the transfer procedure more transparent and convenient for employees. Through this portal, an employee can submit his/her transfer claims to his/her previous employer or current employer. All establishments/ employers can perform functions such as view these transfer claims, verify it or correct the same, approve and submit the same online. An authorized person’s digital signature is mandatory while submitting claims online.

    EPFO TRRN Query Online for Employers

    Employers subscribed to this scheme can also check the status of their EPFO TRRN Query online by entering the TRRN No. in the portal and clicking on “show status” option.

    UAN HelpDesk for Employers

    There is a separate UAN Helpdesk available for Employers. Employers can register for the service in the online HelpDesk portal set up by EPFO by providing information such as establishment ID, PF office location, extension code is any and the mobile number registered in the ECR portal.

    Employees

    EPFO offers three main schemes to employees who work in establishments and industries listed in the Act. These Social Security Schemes offer special benefits to women employees and those employees who have been forced to be unemployed due to physical incapacitation. The online services offered by the EPFO to Employees who are part of the schemes, are as follows:

    UAN member e-Sewa for employees

    Employees can use the member portal by registering for the e-Sewa service using the UAN (Universal Account number). By doing so, employees can avail various facilities such as updating KYC information online, downloading the UAN Card, receiving the account passbook, etc. Through the e-Sewa portal employees can get their UAN as well as member ID from the employer. He/she can also view the EPF account passbook that has been linked to the UAN.

    UAN status online

    If an employee wishes to know his/her UAN status online then he/she can visit the EPFO portal and choose the service that enables you to check the UAN status. Enter details such as the concerned state, EPFO office, PF account number (consisting on the region code, office code, est. code, extension and account number). Then, click on “check status” option. You will be redirected to a page which projects your results.

    EPFi Grievance Management System

    EPFO has also provided an online portal called EPFi Grievance management system for employees to seek a solution to their grievances. They can register a grievance online by filing a grievance registration form. In this form you have to provide information such as: Status (whether you are an employer, PF member, EPF pensioner or other category), PF number, related EPFO office, name of the establishment, address of the establishment, personal details such as complainant’s name, address of the complainant, phone number and email ID. Once these are filled, under the relevant column marked for grievance description write the details pertaining to the same after specifying the grievance category. Under this section the categories to choose from are - Final settlement or PF withdrawal, transfer of PF accumulations (F-13), scheme certificate (10 C), pension settlement (10 D), Issue of PF Balance or PF slip, Payment of Insurance Benefit, Cheque misplaced or returned, or other categories. Once you have registered a complaint and have not received a response, you can send a reminder to the organization through the same online portal by choosing the “send a reminder” option and filling in your grievance registration number, password and captcha and then clicking on the “Submit” tab. You can also view the status of your registered complaint online using this portal and entering the details described above.

    Online Transfer Claim Portal

    This is offered by EPFO in order to enable employees to submit the transfer claims online and thereby make the transfer procedure more transparent and convenient. Through this portal, an employee can submit his/her transfer claims to his/her previous employer or current employer. By filing the claim requests, the establishments/ employers can perform functions such as view these transfer claims, verify it or correct the same, approve and submit the same online. An authorized person’s digital signature is mandatory while submitting claims online. Employees can also check their eligibility for applying for a transfer claim online. All they have to do is provide the details of their previous account which has to be transferred to the current account, such as the PF account number, EPFO office, state, etc. and the details of the current PF account such as state, account number, EPFO office, etc. Then, click on the “check eligibility” option to view whether you are eligible for the same or not.

    COC Application Form

    Employees can also fill the COC application form online and save the data on the EPFO portal. The details that have to be entered are employer details, employee details and details of the place in which the employee works in such as the name of the establishment, address, etc.

    Portal for Pensioners

    Ex-employees or pensioners can also access the Pensioner’s MIS portal in order to enquire about pension payment. The details that are to be provided on this portal are- office where pension is issued, Est code, pensioner’s date of birth, etc. Click on the submit button to make an enquiry and receive relevant information.

    Helpdesk for inoperative account

    EPFO offers a helpdesk to its members to assist them in matters related to an inoperative account. Interest will not be accumulated in the account is it becomes inoperative. The helpdesk will assist members in tracing their accounts and combining it with their present account or will help to withdraw the same. If you are a first time user, click on the link given in the portal and you will be redirected to a page where you can submit the details related to your particular problem. You have to write the problem description in the corresponding box and click on submit. Then on the next page, you have to fill in your employment details such as establishment code, PF account number, name of the establishment, address of the establishment, state, district, city, pin code, name of the owner, date of joining, date of leaving, PF office name, and so on. The helpdesk will get back to your with relevant information and solution to your problem at the earliest.

    UAN Helpdesk

    Employees can also use the UAN Helpdesk service offered by the EPFO online. You have to register for using this service and in order to register choose “register as a member, then choose your problem type, i.e., whether your issue is related to the passbook, claim status, pending KYC with employer, UAN activation and so on. Once you choose the problem, you have to enter your mobile number and UAN and click on submit. However, if you do not know your UAN and your issue is related to the same, you can choose the problem type as “What is my UAN?”, enter your current mobile number, member ID, region, PF Office details, name, father’s name. Date of birth, problem, etc. Then click on generate OTP, which will be sent to your mobile number provided. Use this OTP to verify your identity and contact details and proceed. The helpdesk will assist you on your query.

    International Workers

    For the benefit of employers and employees from India who are working/ functioning abroad, the government of India has entered into an Agreement with other countries through the EPFO.

    This gives weightage to pension eligibility, social security contributions to be made, etc. The EPFO issues a “Certificate of Coverage” to those employees who are working overseas in countries that have an Agreement with the Indian Government, under this facility. The countries which have an Agreement with the Indian government are - Germany, Belgium, Switzerland, France, Grand Duchy of Luxembourg, Denmark, Netherlands, Republic of Korea, Finland, Hungary, Sweden, Norway, Czech Republic, Canada and Austria. International workers can also use the EPFO portal for online application of COC (Certificate of Coverage). The details that have to be entered are employer details, employee details and details of the place in which the employee works in such as the name of the establishment, address, etc.

    Indian Citizens

    Indian Citizens, in general, can also use the EPFO online portal in order to register for UAN allotment. In order to register for the same, citizens must provide their email id, mobile number, KYC details such as name as per Aadhaar card, the Aadhar number, or if you do not have an Aadhar card, you can give your name as given in your PAN card, PAN number, etc. In can you do not have a PAN Card or an Aadhar card, you can provide the details as given in your passport, such as name, passport number, or, name as given in your voter’s ID and the Voter’s ID card number. You will also have to provide other personal details such as your date of birth, gender, and address for communication, father’s name, mother’s name, name of spouse, education qualification, industry, etc. Next, you have to fill in relevant details pertaining to your bank account such as bank account number, IFSC code, etc. Then, upload documents such as your photograph and signature. Enter the captcha and click on “Generate Authorization Pin”. Once you receive the Pin on the mobile number you have provided, enter this in the column provided and proceed to the next step.

    Schemes implemented by Employee Provident Fund Organization (EPFO)

    The EPFO oversees three main social security schemes which are the Employees’ Pension Scheme (EPS), Employees’ Provident Fund Scheme (EPF) and Employees’ Deposit Linked Insurance Scheme (EDLI) and the implementation and execution of the schemes as per the provisions of the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. These Schemes are explained below:

    Employee’ Provident Fund Scheme (EPF)

    The EPF scheme in India applies to factories and establishments listed under the factories list under Schedule I in the Employee’ Provident Fund Scheme, 1952. It is mandatory that all employees who work in establishments listed under this Act should be a participant of the PF scheme and should make necessary contributions to the same on a monthly basis. The employer and the employee makes a contribution to the PF at the rate prescribed by the Act. All activities made in relation to the PF contribution, transfer, withdrawal, etc. are handled by the Regional Provident Fund Commissioner. Employers cannot make any amendments to the scheme without the approval of the Regional Provident Fund Commissioner. Employers have to make sure that their employees are able to check their PF account balance as and when required and provide PF contribution related information.

    EPF contribution to be made

    The contributions that the employer has to make towards an employee's PF is 10% of his/her wage which includes basic wage, food concessions, dearness allowance, etc. and retaining allowance, if any. In some cases, the contribution may be 12%, as stipulated for certain establishments by the Central Government. The contribution made to the PF account by the employee will be equal to the contribution made by the employer towards the EPF scheme. The monthly wage earned (sum of basic wage, food concessions, dearness allowance, etc. and retaining allowance, if any) will be used to calculate the percentage of contribution to be made on a monthly basis. The contribution from both the employer and the employee is paid out together, by the employer.

    Default in payment of EPF

    In the event of defaulted payment of the PF contribution, then a penalty is payable by the employer. The penalty is applicable as follows:

    Period of Default on PF contribution

    Penalty Charged per annum (in percentage)

    Period less than 2 months

    17% of the PF contribution

    2 months to less than 4 months

    22% of the PF contribution

    4 months to less than 6 months

    27% of the PF contribution

    6 months and above

    37% of the PF contribution

    EPF mode of payment

    Employers can make contributions to an employee’s PF account by way of Cheque, bank draft, etc. If the payment is being made via Cheque, then it has to be drawn from a local bank only.

    Employees’ Pension Scheme (EPS)

    The Employees’ Pension Scheme came into existence in 1995 through the provisions made by the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. Employees have to make contributions towards the employee’s pension fund which can amount to 8.33% of the employee’s total wages. This has to be remitted to the employee’s Pension Fund account within 15 days close to the end of a month. The Central Government will also make a similar contribution to the employee’s pension fund, which can amount to 1.16% of the employee’s total wages. All doubts and queries related to this scheme will be addressed by the Regional Provident Fund Commissioner. The Employees’ Pension Scheme also provides some benefits to the employee’s family upon his/her death. The conditions under which this is applicable are when the employee dies while in service or after leaving the job but before attaining the age of 58 years or after he/she has begun making payment towards the monthly pension. A monthly widow pension is also offered to the widow of an employee until she remarries or dies. In addition to this, the employee’s children are also eligible for a monthly children pension. This is payable until the child reaches the age of 25 years.

    EPS mode of payment

    The employee’s pension fund can be remitted by way of Cheque, bank draft, etc. If there is any additional cost incurred for the transfer of money to the pension fund, then the employer is to bear the same.

    Default in payment of EPS

    In the event of defaulted payment towards the Employee’s Pension Fund, then a penalty is payable by the employer. The penalty is applicable as follows:

    Period of Default on contribution to the Employees’ Pension Fund

    Penalty Charged per annum (in percentage)

    Period less than 2 months

    5 %

    2 months to less than 4 months

    10 %

    4 months to less than 6 months

    15 %

    6 months and above

    25 %

    Employees’ Deposit Linked Insurance Scheme (EDLI)

    The Employees’ Deposit Linked Insurance Scheme came into existence in 1976 through the provisions made by the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952. All establishments that are covered by this Act have to take part in the Employees’ Deposit Linked Insurance Scheme (EDLI). An assurance benefit is offered to employees who are members of the EPF scheme, i.e., an insurance benefit is linked to the contributions made to the pension fund and the average amount accumulated in the same and upon death of the employee his/her family receives the same. The contributions made to this scheme for each employee is payable by both the employer as well as the Central Government. The monthly wage earned (sum of basic wage, food concessions, dearness allowance, etc. and retaining allowance, if any) will be used to calculate the percentage of contribution to be made on a monthly basis. The contribution of the Central Government to the insurance fund will be made after the close of each financial year.

    Mode of payment towards Employees’ Insurance Fund

    The employee’s insurance fund can be remitted by way of Cheque, bank draft, etc. Administrative charges and any additional cost incurred for the transfer of money to the insurance fund have to be borne by the employer.

    Benefits of the Schemes Implemented by the Employee Provident Fund Organization (EPFO)

    The following are the benefits of the Employees’ Pension Scheme (EPS), Employees’ Provident Fund Scheme (EPF) and Employees’ Deposit Linked Insurance Scheme (EDLI) undertaken by the EPFO:

    Benefits of the Employee’ Provident Fund Scheme (EPF), 1952

    • The employee can receive a regular pension after retirement. The accumulated amount contributed to the Pension Fund each month over the years plus the interest accrued on the same is paid out to the employee upon his/her resignation, retirement or death.

    • Employees can withdraw money from their pension fund early under special circumstances. Partial withdrawal of the PF amount is permitted for special cases such as higher education, house construction, illness, marriage, etc.

    Benefits of the Employees’ Pension Scheme (EPS), 1995

    • Under this scheme monthly benefits are offered to employees upon retirement, superannuation, etc.

    • Widows and children are entitled to monthly benefits (upon death of the employee)

    • The pension amount paid out after retirement is calculated based on the average salary earned in the 12 months close to the employee’s date of retirement and the total years of eligible service offered by him/her.

    • Under this scheme, participants of the Family Pension Scheme (1971) will also get benefits for services rendered.

    Benefits of the Employees’ Deposit Linked Insurance Scheme (EDLI), 1976

    • The family of an employee who has enrolled for this scheme, will be entitled to various benefits upon the death of the employee. The employee has to be a member of the Employees’ Deposit Linked Insurance Scheme at the time of his/her death.

    • The benefit paid out to the employee’s family will either be 20X the average wage earned by the employee or the total funds accumulated in his/her PF account, whichever is the lowest.

    • The insurance benefit can be as much as Rs. 3 lakhs.

    Nomination Facility

    Nomination facility is available in all the 3 schemes offered under this Act.

    Nomination Facility for Employee’ Provident Fund Scheme (EPF)

    • Form 2 (R) can be used to file nominations to the Employee’ Provident Fund Scheme. The nominees elected by the employee under the EPF scheme is also applicable for the EDLI scheme.

    • Section 2 (f) of the Employees’ Pension Scheme (EPS), 1995, defines the eligible family members who can be nominated. Only one of the listed family members can be chosen as a nominee.

    • If an employee does not have a family, he/she may nominate any other individual. However, this nomination will become null and void if the employee acquires a family.

    Nomination Facility for Employees’ Pension Scheme (EPS)

    • Form 2 (R) can be used to file nominations to the Employee’ Pension Scheme.

    • Employees have to list the names of his/her spouse and children in the prescribed proforma.

    • If an employee does not have a family, he/she may nominate any other individual. However, this nomination will become null and void if the employee acquires a family.

    Nomination Facility for Employees’ Deposit Linked Insurance Scheme (EDLI)

    • Form 2 (R) can be used to file nominations to the Employee’ Provident Fund Scheme. The nominees elected by the employee under the EPF scheme is also applicable for the EDLI scheme.

    Claims Process for the Schemes offered by Employee Provident Fund Organization (EPFO)

    Claims process of the Employee’ Provident Fund Scheme (EPF)

    In order to initiate the claims process for a particular purpose under the Employee’ Provident Fund Scheme, the following Forms have to be duly filled and submitted:

    • Form 19 for final PF settlement of an employee

    • Form 13 for the transfer of the old PF account to the new one.

    • Form 31 for PF withdrawal permitted in certain cases

    • Form 14 for financing the employee’s LIC Policy

    • Form 20 for the final settlement of the PF account balance in favor of the chosen nominee or the beneficiary of a deceased employee who is a member of this scheme.

    Claims process of the Employees’ Pension Scheme (EPS)

    In order to initiate the claims process for a particular purpose under the Employee’ Pension Scheme, the following Forms have to be duly filled and submitted:

    • Form 10 D for receiving monthly pension

    • Form 10 C for receiving the withdrawal benefit and the Pension Scheme Certificate.

    Claims process of the Employees’ Deposit Linked Insurance Scheme (EDLI)

    In order to initiate the claims process for a particular purpose under the Employees’ Deposit Linked Insurance Scheme, the following Forms have to be duly filled and submitted:

    • Form 5IF is to be submitted by the nominee or the beneficiary of the employee for claiming the insurance benefit in the event of death of the member while in service.

    UAN services offered by Employee Provident Fund Organization (EPFO)

    UAN aka Universal Account Number that is allotted by the Employee Provident Fund Organization (EPFO). Under a single UAN, the multiple member identification number of member IDS of a single member are linked together. Each employer of the establishment where the employee joins have to add the unique member identification number or member ID allotted to the employee under the UAN assigned to the particular member. The UAN services offered by the EPFO on the UAN member portal website are:

    • Passbook download

    • UAN Card download

    • KYC Details (entry and update)

    • List of all the member identification numbers or member ID

    • Checking online transfer claim eligibility

    • Editing personal details

    UAN member portal login

    Employees can visit the UAN member portal website to activate their UAN. This can be done by clicking on the “Activate your UAN” link available in the UAN member portal. The details that have to be provided by the member are- Mobile number, Member ID and UAN. After activating the UAN, a member can set the password to log in to the UAN member portal at a later stage. IT should be minimum 8 characters long and maximum 25 characters long, with at least one special character.

    Passbook Download

    In order to download the passbook through the UAN member portal online, you have to activate your UAN and set a login password. After logging in to the member portal, you have to the “Download” menu and click on the option “Download Passbook”. The passbook can be downloaded in PDF format as well.

    KYC Documents required for UAN

    The following documents can be submitted for UAN KYC process -

    • National Population Register

    • Permanent Account Number (PAN)

    • Aadhaar Card

    • Bank Account Number

    • Driving License

    • Passport

    • Ration Card

    • Election Card

    • ESIC Card

    Bank account number along with the IFSC code has to be mandatorily provided by the member.

    A scanned copy of these documents can be uploaded to the portal. However make sure that it is either in .png, .jpg, pdf or .gif format and the file size does not exceed 300 KB. Multiple KYC documents can be uploaded in this manner. When the KYC document has been approved by an employer this status will be shown against the uploaded document.

    UAN Helpdesk

    Employees and Employers can also use the UAN Helpdesk service offered by the EPFO online. Employees have to register for using this service and in order to register choose “register as a member”, then choose his/her problem type, i.e., whether your issue is related to the passbook, claim status, pending KYC with employer, UAN activation and so on. Once you choose the problem, you have to enter your mobile number and UAN and click on submit. However, if you do not know your UAN and your issue is related to the same, you can choose the problem type as “What is my UAN?”, enter your current mobile number, member ID, region, PF Office details, name, father’s name. Date of birth, problem, etc. Then click on generate OTP, which will be sent to your mobile number provided. Use this OTP to verify your identity and contact details and proceed. The helpdesk will assist you on your query. There is a separate UAN Helpdesk available for Employers. Employers can register for the service in the online HelpDesk portal set up by EPFO by providing information such as establishment ID, PF office location, extension code is any and the mobile number registered in the ECR portal.

    EPF Login Process

    Employees who are a part of the EPF scheme can register online through the member portal enabled by EPFO and check details such as their EPF passbook, documents pertaining to their Member IDs at different establishments, etc. Employees can use the portal only if the employer has uploaded the Electronic Challan Cum Return for the wages earned. In order to login to your EPF account you do not need a user ID or password. Employees can use their mobile number and KYC details such as PAN no., Bank Account, Passport, Voter's ID, Driving License, National Population Register, Aadhaar, etc. to register and use the same details to log in again.

    How to Check your EPF Balance Online

    You can check your EPF balance on the online portal available for EPF members, by using your PF account number. Through this portal you cannot just check the balance in your EPF account, but also Cheque the status of transfer of accounts, account updation, settlement, approved transactions, and so on. In order to check your EPF Balance online follow the simple steps given below:

    • On the online portal, click on the Member Balance Information.

    • Then select the state in which your PF office is located and choose the EPFO office

    • Once you have selected the EPFO office, the Office code and Region code will be auto populated in the corresponding fields.

    • Next, enter the code of the establishment (maximum length should be only 7 digits)

    • Enter the extension code of the establishment

    • Enter the PF account number

    • Provide personal details such as your name and phone number.

    • Click on “submit” and upon successful completion of this process all details related to your EPF balance will be sent as SMS to the mobile number given by you.

    How to Check your EPF/ Pension Claim Status Online

    Members of the Employees’ Pension Scheme (EPS), Employees’ Provident Fund Scheme (EPF) and Employees’ Deposit Linked Insurance Scheme (EDLI) can check their claim status online on the online portal made available by the EPFO. The member can access this by using his/her PF account number. In order to check your Claim Status online follow the simple steps given below:

    • On the online portal, click on the Claim Status Information.

    • Then select the state in which your PF office is located and choose the EPFO office

    • Once you have selected the EPFO office, the Office code and Region code will be auto populated in the corresponding fields.

    • Next, enter the code of the establishment (maximum length should be only 7 digits)

    • Enter the extension code of the establishment

    • Enter the PF account number

    • Click on “submit” and upon successful completion of this process you will receive all the details related to your claim status online.

    Wage Ceiling

    The EPFO sets the wage ceiling limit in order to stipulate which all workers are entitled to the benefits under the EPF scheme as per the maximum salary earned. Initially the wage ceiling was Rs. 6500. Currently, the wage ceiling is Rs. 15,000 (including basic salary, dearness allowance and retention allowance) and employees who earn lesser than or equal to this amount in wages are entitled to coverage under this scheme. Those employees whose wages (consisting of the sum of basic salary, dearness allowance and retention allowance) exceeds this amount, can opt out from coverage under the EPF scheme. The deduction made towards PF contribution from an employee will be 12% of the basic salary + dearness allowance.

    Online Transfer Claim

    Those who have registered on the Member Portal online can file for a transfer claim. Online Transfer Claim portal is offered by EPFO in order to help members to submit their transfer claims online and thereby make the transfer procedure more transparent and convenient. Through this portal, an employee can submit his/her transfer claims to his/her previous employer or current employer. By filing the claim requests, the establishments/ employers can perform functions such as view these transfer claims, verify it or correct the same, approve and submit the same online. An authorized person’s digital signature is mandatory while submitting claims online. Once the transfer claim is submitted online the employee should take a copy of the claim and submit the same to his/her employer with his/her signature. In order to see the progress of this process the employee can visit the portal and under the “Claims” section click on “View the status of Transfer Claims”.

    The conditions required to be able to file a transfer claim online are as follows:

    • PF Account number of both the previous establishment and the present establishment, along with the respective Member Identification Numbers, should be available on the database maintained by EPFO.

    • The Digital Signature Certificates from the authorized signatories should be uploaded by the employer and submitted to the EPFO through the Online Transfer Claim Portal (OTCP).

    Check eligibility for Online Transfer Claim:

    Employees can also check their eligibility for applying for a transfer claim online. All they have to do is provide the details of their previous account which has to be transferred to the current account, such as the PF account number, EPFO office, state, etc. and the details of the current PF account such as state, account number, EPFO office, etc. Then, click on the “check eligibility” option to view whether you are eligible for the same or not.

    New Initiatives undertaken by Employee Provident Fund Organization (EPFO)

    • Online allotment of PF number to organizations

    • Universal Account number (UAN) for members

    • Electronic Challan cum Return (ECR) Portal facilities

    • New Initiatives in Pension Process

    Key Points to Remember

    • Office Code has three characters only. E.g.: HYD for Hyderabad

    • Establishment code has only 7 digits. E.g. 7890123

    • Extension has 3 characters only. E.g. CD2

    • PF Account number has 7 digits only. E.g. 7890123

    • A mobile number can be used only once for registration. Multiple registration with the same number is not possible.

    Frequently Asked Questions

    1. Is the Provident Fund Scheme, Pension Scheme and an Insurance Scheme introduced by Employee Provident Fund Organization (EPFO) mandatory?

      Yes, the Provident Fund Scheme, Pension Scheme and an Insurance Scheme introduced by Employee Provident Fund Organization (EPFO) is mandatory, especially for employees who fall under the wage ceiling set by the organization.

    2. Does this cover international workers as well?

      Yes. The schemes cover Indian workers as well as International workers in countries where a bilateral agreement has been signed with the Indian Government. There are 14 Social Security Agreements made with India by countries such as Germany, Belgium, Switzerland, France, Grand Duchy of Luxembourg, Denmark, Netherlands, Republic of Korea, Finland, Hungary, Sweden, Norway, Czech Republic, Canada and Austria. International workers can also use the EPFO portal for online application of COC (Certificate of Coverage).

    3. What is the prevailing interest rate on Provident Fund accumulations?

      The current rate of interest applicable on Provident Fund accumulations is 8.75%.

    4. What is UAN? How is it connected to the EPF programme?

      UAN or Universal Account Number is a 12-digit number that will be allotted to each member who contributes to the EPF Scheme and this will be generated by EPFO for each PF member. For example, the UAN number will be 123456789121. This UAN will cover the Member IDs that are allotted to an individual when they are employed by various establishments. Thus the Universal Account Number links multiple Member Identification Numbers that are assigned to a single member. With this facility, a member can view the details related to all their Member Identification Numbers once they have their UAN number and have registered for this. The UAN will remain the same throughout the course of an employee’s career.

    5. How can I know what my UAN is?

      In order to know your UAN, you can contact your employer. All employers are to have details pertaining to an employee’s UAN.

    6. What is the minimum number of employees required in an establishment for it to come under the purview of this Act?

      The minimum number of employees required in an establishment for it to come under the purview of this Act, is not less than 19 employees.

    7. What are the e-governance initiatives undertaken by EPFO?

      The e-governance initiatives undertaken by EPFO are Online Transfer Claim Portal (OTCP), Online Registration of Establishment (OLRE), and Online Monthly Return for Exemption Establishment, etc.

    8. What is “Superannuation” pension?

      An employee is entitled to superannuation pension if he/she has provided a service for a period of 10 years or above and has retired at the age of 58 years.

    9. When is an employee entitled to an early pension as per the Employees’ Pension Scheme?

      As per the Employees’ Pension Scheme, an employee entitled to an early pension when he/she has provided a service for a period of 10 years or above and then ceases to be in employment or retires before attaining the age of 58 years.

    10. What is the procedure of withdrawing PF account money and Pension Fund money through the UAN portal once the employee has left a job and joined a new organization?

      When the employee leaves a job and joins a new organization, he/she should get the funds transferred to the new account under the present employer. The UAN facility permits portability of funds from one account to another since it links an employee’s Member IDs. This will be done only after the KYC information has been verified by both the establishments.

    11. What is the UAN Helpdesk Contact Details?

      You can contact the UAN Helpdesk regarding any queries related to the UAN member portal at the following number: 1800 118 00 or through email at [email protected]

    12. How much of an employee’s wage is considered for making a PF contribution?

      The remuneration paid to an employee is cash is considered while calculating the monthly PF contribution. This will exclude wage categories such as Overtime allowance, House Rent Allowance (HRA), Commission or any such incentives, bonus, presents given to the employee by the employer, etc.

    13. Is there a tax benefit on the schemes offered by Employee Provident Fund Organization (EPFO)?

      Tax is not applicable on the EPF earned by an employee. The contribution made by the employer is not taxed and a contribution of the employee for an amount of up to Rs. 1 Lakh is deducted from taxable income under Section 80(C) of the Income Tax Act. The interest (as per the rate set by the EPFO) accrued on the same is also not taxable. This is applicable only in terms of the Government’s EPF scheme.

    14. What is the mode through which Employers should pay the PF due?

      Employers must pay the PF due through Electronic Challan cum Return (ECR).

    15. How are Electronic Challan cum Return (ECR) documents generated?

      The E-return tool is used by EPFO to generate the Electronic Challan cum Return (ECR) documents.

    16. What is the E-Return Tool? How to use the E-Return Tool?

      The Employees Provident Fund Organization (EPFO) offers the E-Return Tool to employers for ease of payment of PF on behalf of their employees. This tool can be downloaded and all monthly payments can be paid electronically using. In the main menu you can select "Generate returns for submission to EPFO" to generate the Electronic Challan cum Return (ECR) and upload it online in the employer’s e-Sewa.

    17. What is a digital signature certificate (DSC)? How is it relevant in procedures undertaken by EPFO?

      Digital signature certificate (DSC) is an electronic form of hardcopies of certificates such as passport, driving license, etc. These act as identity proof for individuals who are applying for certain services online or for signing documents digitally. With the enactment of the Information Technology Act, 2000, Digital Signature Certificates have become legally valid in India. EPFO stipulates that its users must use Digital Signature Certificates in order to attest their online claims and also to verify their identity and other details submitted online. When this is digitally attested and submitted there is no need to submit any physical documentation to the EPFO office.

    18. Why should an employer register his/her establishment on the EPFO employer portal?

      An employer has to register his/her establishment on the EPFO employer portal because all PF contributions and other related activities can only be performed online through this portal. The Electronic Challan cum Return has to be uploaded in this portal in the prescribed proforma and the receipt will be populated accordingly. Many other services can also be availed through the EPFO employer portal by registering for the same.

    19. How to purchase a Digital Signature Certificate?

      In order to purchase a Digital Signature Certificate that is legally valid, you can approach the Govt. of India, Certifying Authorities (CA) (such as NIC, e-Mudhra, TCS, n-code, MTNL, etc.) and Controller of Certifying Authorities (CCA) that issue these certificates.

    20. Who is the Certifying Authority?

      Certifying Authority is a recognized agency that issues, renews and revokes Digital Signature Certificate. The Information Technology Act 2000 authorizes Certifying Authorities to issue Digital Signature Certificate. Some of the Certifying Authorities (CA) in India are NIC, e-Mudhra, TCS, n-code, MTNL, etc.

    News About EPFO

    • EPFO to hike mandatory cover soon

      The threshold for mandatory cover of EPF will be raised in the coming future. The Employees’ Provident Fund Organisation had raised the employee coverage from Rs.6,500 a month to Rs.15,000 in 2014. So all employees earning Rs.15,000 and above had to compulsorily be enrolled in the EPF scheme. This was done to bring the EPF scheme on par with the ESIC scheme. Now the EPFO is set to further raise the minimum income limit to Rs.21,000 per month. At present, more than 4 crore employed individuals fall under this scheme. Resistance from employers and their representatives is expected, especially from the small scale industries. Currently, the EPF scheme along with pension and insurance benefits is provided to the organised sector of workers. But the Union Labour Ministry has made a proposal to extend this scheme to the entire working population of the country. The target timeline set for the implementation of this is 2030. If this is carried out, more than 50 crore people will benefit from the scheme in the future.

      23rd September 2016

    • Grievance Day Meeting of EPFO on September 13

      The Employees Provident Fund Organisation (EPFO) will hold the grievance day meeting on 13th September at the Sub-Regional Office in Nagercoil. The meeting of EPFO subscribers will be held between 10 a.m. and 1 p.m. and the meeting of employers will be held between 3 p.m. and 4 p.m. Grievances can either be submitted in person to the Sub-Regional Office or be forwarded to the EPFO Commissioner on or before 5th September.

      The grievance meeting in Tirunelveli and Tuticorin districts will be held at the Sub-Regional Office in Perumalpuram in Tirunelveli. The meeting for subscribers will be between 10.30 a.m. and 1 p.m.; for employers, between 3 p.m. and 4 p.m.; and for exempted establishments, between 4 p.m. and 5 p.m.

      30th August 2016

    • EPFO to expand to cover all workers in country

      The EPFO has outlined an ambitious plan to include all workers in the country under its ambit by the year 2030, making it a universal scheme. A new vision document released by it states that its main objective is to provide a universal social cover to workers, with pension, provident fund and life insurance acting as modes to provide this cover. In addition to this, the organisation also aims to incorporate technology in its activities, improving overall service. Termed Vision 2030, a meeting was recently held to outline the way ahead, including any changes which might be required on the organisational level. It currently caters to around 3.5 crore subscribers and aims to bring about drastic changes to cater to any issues faced by them.

      1st August 2016

    • EPFO Plans to Hike ETF Investments Proportion

      The Employees Provident Fund Organization (EPFO) which is India’s retirement fund body is all set to take a decision come July 7 with regards to the increase in stock market investments via ETF or Exchange Traded Funds which have begun to yield returns. The announcement was made by Bandaru Dattatreya, who is the Labour Minister.

      A meeting of the Employees' Provident Fund Organisation, to be headed by Mr. Dattatreya, is all set to take place on July 7. During the course of the meeting, the Central Board of Trustees (CBT) will be presented with a detailed analysis of the EPFOs investments in Exchange Traded Funds (ETFs). Mr. Dattatreya said that on July 7, a report will be presented to the EPFO Central Board of Trustees on ETF investments. during the meeting, the board will decide amount of percentage increase, which will, in turn, lead to the increase in the investment amount.

      Mr. Dattatreya also touched upon, at length, on the need to introduce provisions to include safety auditors who would ensure occupational safety and health in the Factories Act. He said that the proposal for the same will soon go for vetting by the Ministry of Law, following which it would be presented in the Cabinet.

      21st July 2016

    • 17 crore accounts updated by EPFO

      May was a hectic month for officers of the EPFO, with the organisation resolving over 21,944 grievances in the month, with just over 3,500 grievances pending. In addition to grievance redressal, the commission also updated accounts of more than 17 crore subscribers. These subscribers received an interest of 8.8% in their accounts, which was credited for the period 2015-2016.

      Additionally, the organisation also launched a new internet based tool to monitor its performance. Termed e-samiksha, it will monitor the action taken by the commission in its meetings, in real time, with the action to be updated accordingly. Another tech savvy tool implemented by the organisation was “One employee – One EPF Account”, a special drive which aims to merge information pertaining to individuals with multiple fund accounts.

      8th July 2016

    • EPFO to hold interactive session in Kerala

      The Employees Provident Fund Organisation (EPFO) will hold an interactive session with members in Kerala, aiming to improve its relationship with its customer base. Titled Nidhi Apke Nikat or PF near you, the session will be held on July 11th at the regional office of EPF in Pattom. This session is open to residents of Pathanamthitta and Thiruvananthapuram districts and will look into any issues they have. While subscribers can interact with the commissioner in the morning session, trade unions and employees will be eligible to meet the commissioner in the afternoon session. Any members who have complaints or suggestions associated with the EPFO can submit the same to the Regional Provident Fund Office, in writing.

      4th July 2016

    • For Financial Year 2016, EPFO has credited 8.8% interest in 17 crore member accounts

      EPFO(Employees Provident Fund Organisation) announced last week that they have updated over 17 crore member accounts for the financial year 2015-2016. 8.8 per cent interest rate has been credited. Central provident Fund Commissioner (CPFC) V P Joy noted this while reviewing the progress for may. In may EPFO redressed 21,944 grievances which left 3,560 pending. From the 3,560 pending grievances, 78% are pending disposal for not more than 7 days. Under the Employees' Deposit Linked Insurance Scheme, in May, the insurance benefits was increased to Rs 6 lakh (which is the maximum) from existing Rs 3.60 lakh.

      23rd June 2016

    • EPFO investments may soon be increased in ETFs according to Bandaru Dattatreya

      Since the good results seen from EPFO's investments in Exchange Traded Funds (ETFs) (during the months of March and April of 2016), it has been decided by the Union Labour Minister Bandaru Dattatreya that these investments be increased. Also, the quantum for the coming year will soon be decided.

      Rs 6,577 crore was invested on March 31st, 2016. This gave a return of 0.37% increase which is Rs 6,601 crore. Rs 6,674 crore was invested on 30th April, 2016. This gave a return of Rs 6,786 crore. Again it has risen by 1.68% plus.

      14th June 2016

    • EPFO investments in equity will increase soon

      Bandaru Dattatreya, Union Minister for Labour and Employment, has signaled that Employee Provident Fund Organisation (EPFO) will have a push in the percentage of equity investments. This change will be put into effect after he returns from Geneva’s International Labour Conference (ILC). Last year investments of pension funds were at 5% and found to be very successful. Through exchange traded funds, the aim is to increase them further. This was said on Monday at a press conference. Once he returns from the ILC, a ministerial meeting will be held and this will be convened.

      13th June 2016

    • EPFO directs PSEs to furnish contract details for pension scheme.

      All Public Sector Enterprises (PSEs) have been given notice by the EPFO to furnish details of their contract workers, in a move directed at bringing all contract workers under a pension scheme.

      An online portal has been established to ease the process for principal employers, who are to upload all contract details and facilitate the enrolment of all contract workers.

      Linking Aadhaar numbers to EPF accounts is a step taken in the hope of establishing one EPF account per employee, as there has been a lot of confusion in the past relating to employees who shift their employer, or have multiple EPF account numbers. The UAN was also a move in this direction, and has been largely successful in helping Indian citizens link their various PF accounts into one account.

      9th June 2016

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