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  • How to Check Your PF Status Online

    Employees’ Provident Fund Organisation (EPFO)

    The Employees’ Provident Fund Organisation (EPFO) is a statutory body under the Ministry of Labour and Employment, Government of India. The Employees’ Provident Fund Organisation administers three schemes, namely, the Employees' Provident Fund Scheme, 1952, Employees' Deposit Linked Insurance Scheme, 1976 and Employees' Pension Scheme, 1995. The Employees’ Provident Fund Organisation is currently one of the biggest social security organisations in the world by virtue of its volume of transactions.

    Employees' Provident Fund Scheme, 1952

    One of the primary savings schemes for people working in government, public or private sector organisations in India, the employee provident fund provides financial security in your twilight years. Under the scheme, 12% of your basic, dearness allowance in addition to the cash value of your food allowances forms part of contributions to your EPF account. The EPF interest rate of India ranging from 8 to 12 % is decided by the central government and Central Board of trustees.

    Checking your EPF Balance Online

    The facility of checking EPF balance online was launched in August 2011. You can view your updates accounts including any settlement/transfer-in/transfer-out. Upon submission of the required information by you (account holder), EPFO will send the details via an SMS to the registered mobile number. You can also avail of the establishment search facility (data is available for 120 offices).

    You can log onto http://members.epfoservices.in/ to view the EPFO office in your state. You can also search for your establishments under old Office Code, under Office and PIN code. Upon selecting your area, you will directed to a page wherein you have to fill in required details such as Employee PF Account Number, name (as appears in EPF Slip) and your mobile number to receive your account balance information. The total number of requests served on the website as on October 2015 is 9881235. The following steps need to be followed for checking your PF account or provident fund status online

    • Get your PF number 

    PF number is an alpha-numeric number (first two letters represent the regional office). For example, if your PF number is DL/54321/8967, you should choose DL as your regional office code.

    You should check if your PF is in the new or old format in that EPFO revised the establishment code for employers last year. All the same, you may find that your employer is showing the old code on your payslips.

    • Select EPFO Office Code 

    Log onto the EPFO website, select your state and EPFO office code. The following table shows details related to the Kerala in the establishment information search.

    Old Region Code

    Estt Code

    Name

    EPFO Office

    PIN

    KL/0007223/00A

    KR/TVM/0007223/00A

    ST.CHRYSOSTOGIRLS HIGHER SECONDARY SCHOOL

    THIRUVANANTHAPURAM

    695524

    KL/0005776/00A

    KR/TVM/0005776/00A

    HOLY ANGELS SCHOOL

    THIRUVANANTHAPURAM

    695001

    KL/0012290/00A

    KR/TVM/0012290/00A

    MARIAN VILLA CONVENT NURSERY SCHOOL

    THIRUVANANTHAPURAM

    695011

    • Select PF details 

    You need to fill in the following details

    Establishment Code (7 digit)

    Extension Code (if any)

    PF Account Number

    Enter your name as per your salary slip. Fill in the tab for mobile number.

    After entering the aforementioned details, click the ‘agree’ button and submit the information.

    • SMS from EPFO 

    After successful submission of the required details on the website, you will receive an SMS from EPFO in five minutes. Details of your account number and balance amount as on the date mentioned in the SMS which will sent.

    Downloads

    You can also download your epassbook which has details of your transactions (month-wise) in your PF account.

    Inoperative Account

    If your receive a message that your account is operative, you have to send a request to the EPFO inoperative account help desk at http://59.180.231.60:9091/INOPHelpDesk.

    Complaints/Grievances

    If you wish to lodge a complaint online, you may do so by filling up a grievance registration form (online) in addition to providing details of your EPF account. You can also regularly check the current status of your complaints at http://epfigms.gov.in. You can also send reminders of your complaint.

    SMS EPF balance check facility

    EPFO also offers the EPF Mobile App, an SMS-based service. However, this facility is only available for those who have an UAN Account Number and registered mobile numbers. To avail of this facility, you have to only send an SMS from your UAN registered mobile to 7738299899. EPFO provides this option in 10 languages, namely, English, Telugu, Kannada, Hindi, Punjabi, Malayalam, Marathi, Tamil, Gujarati and Bengali. After you send an SMS to the said number, you will receive your account details including information related to the last contribution, KYC and EPF balance. It is important to note that if your PAN, Aadhaar and bank account were approved digitally and provided by your employer, you may not receive the said message. If you do not receive the SMS, you should consult your employer. You can also call the EPFO (toll free) helpline 1800118005 to resolve any queries or receive information on your account.

    EPF balance transfer

    Most people tend to withdraw their PF savings when making job shifts rather than transfer the amount. In most cases, if it is a premature withdrawal (below five years of holding the PF account and continuous employment), then the withdrawal attracts tax. Since the process was tedious, people often chose the withdrawal route. Back then, an employee had to submit Form 16 signed by his/her previous employer to their current employer. In the process of interaction between employers (usually by post), the form could be misplaced causing hassle to the employee. Today, with the introduction of EPFO’s self-service online portal, the process can be finished in a few minutes. Let’s take you through the step by step procedure of getting your PF balance transferred:

    • Log in to the EPFO’s homepage (http://members.epfoservices.in/home.php) using your UAN. If you are not aware of your UAN, ask your employer for it.
    • Once you're on the page using the link above, enter your UAN, you mobile number and details of your current employer (State, establishment and account number).
    • Check your eligibility. If the site says that your account is not eligible, register on the EPFO website.
    • Submit a scanned copy of a valid photo ID - PAN card, Aadhaar card or driving license.
    • The website will then send you a verification PIN to your mobile. Enter the PIN and continue.
    • The site will then redirect you to the EPFO Member Claims Portal. Provide your document ID or mobile number to log in.
    • Once you see all the options, click on the ‘Request for transfer’ tab.
    • Now, fill in the PF transfer form:
      • The first part is to enter your personal information, name and email, your bank’s IFSC code and salary account number
      • Next step is to fill in details of your old PF account
      • Lastly, fill in details of your current PF account.
    • The claim has to be then attested by both employers - which could take some time.
    • Click preview to verify the details you have entered. Then enter the captcha and get Pin. Next, click on the ‘I agree’ box.
    • Once you enter the PIN sent to your mobile number and enter it, your claim for a transfer is initiated.
    • Once you have initiated the transfer claim, you can check the status of the process on the EPFO self-service portal.

    EPF balance for inoperative accounts

    In 2011, the government of India decided against paying interest for inoperative PF accounts. Accounts that failed to have any contributions for over 36 months were deemed inoperative or dormant. This year -2016- the government reversed their decision and agreed to pay interest to even dormant accounts. The decision got people holding inoperative accounts logging into the EPFO site to check their balances. If you do not already know, listed below is the step by step procedure to checking the balance of inoperative accounts:

    • The first step is to get your UAN activated and then log on to epfindia.com
    • Once on the site, click on the ‘Inoperative helpdesk’.
    • Next, skip the introduction and press the ‘first time user’ button.
    • Fill in your employer details such as establishment code, state, address, your PF number, date of joining and leaving, and click on search establishment to locate your employer.
    • Enter your personal details such as name, date of birth, parents names, address, mobile number and preferred language.
    • Next, enter details of your KYC documents - PAN card number, Aadhaar card number, Bank account number and IFSC code.
    • Once you have entered all the details, generate the PIN. The PIN will be sent to your mobile, use it to proceed to check your details of the inoperative account - the outstanding amount and the last contributions and so on.
    • Send the details to your current employer - including the activated UAN - to carry on making contributions, thus making your account an active one.

    EPF Balance form

    With technology taking the front seat, over the past few years most processes have been made hassle-free through digitization. With the introduction of UAN and the EPFO’s self-service portal, balance forms have become obsolete. Balance forms back then were issued once every financial year for employees to check their outstanding savings amounts in their PF accounts. Now, just by logging in to the EPFO’s portal, one can check their balance with just a few clicks.

    EPF balance full statement

    Now checking your balance can be done in seconds and not like before - when it was a once in a year opportunity. To check one’s PF balance full statement, all one has to do is log on to the EPFO’s member portal. You can either check the statement online or download the PF balance passbook if you require a physical copy. Listed below are the steps to take to check one’s PF balance full statement:

    • Visit the EPF balance page - http://www.epfindia.com/site_en/KYEPFB.php
    • Click on PF balance tool button at the bottom of the page.
    • Once the new page for ‘member balance information’ has propped up, select the state your PF office is located in.
    • Enter your EPF account number, mobile number and your name.
    • Click on submit, after you have done so and you will get an SMS stating your balance and the full balance statement will appear on your screen.

    For downloading a passbook, log on to the EPF member portal and follow the steps mentioned above. Once on the member portal, if you are already registered, click on download passbook to get your e-passbook information with the full statement of your PF balance.

    EPF balance for railway employees

    The EPF covers employees falling under the bracket of private sector. For employees belonging to the public or government sectors such as the railways, the government has formalized a State Railway Provident Fund to aid such employees. For employees who have joined the railways post 01.01.2004, provident fund rules are not applicable. Every month, voluntarily, a railway employee contributes 8.5% of Pay + GP to their Railway Provident Fund. The account holder is then given a balance statement by the State Railway Provident Fund Organisation at the beginning of the year containing their outstanding balance, their contributions and withdrawals if any.

    EPF balance last updated

    For those holding an active PF account, as soon as the contribution from you and your employer is made for the month, the account is updated. The procedure to check your updated balance is the same as checking for your balance. Listed are the steps you need to take:

    • Visit the EPF balance page - http://www.epfindia.com/site_en/KYEPFB.php
    • Click on PF balance tool button at the bottom of the page.
    • Once the new page for ‘member balance information’ has propped up, select the state your PF office is located in.
    • Enter your EPF account number, mobile number and your name.
    • Click on submit after you have done so and you will get an SMS stating your balance and the full balance statement will appear on your screen, including your last contribution.

    EPF balance name mismatch

    Occasionally, you may face problems logging into your PF account. It may state that there is an ID/name mismatch. In such cases, check if you have spelt your name correctly as stated in your PF account and retry. Next, check to see if your office or regional code has changed. Lastly, it’s most probable that the EPFO website or server is down. Try again after a while.

    EPF balance refund

    Every contribution, withdrawal, and refund is mentioned in the balance sheet. When checking your balance on the EPFO’s member portal, everything is accounted for on your balance sheet. To check your refund, the same procedure to check your balance is followed. On checking your balance, you will see your refund claim updated on the balance sheet. Steps to check your balance and refund:

    • Visit the EPF balance page - http://www.epfindia.com/site_en/KYEPFB.php
    • Click on PF balance tool button at the bottom of the page.
    • Once the new page for ‘member balance information’ has propped up, select the state your PF office is located in.
    • Enter your EPF account number, mobile number and your name.
    • Click on submit after you have done so and you will get an SMS stating your balance and the full balance statement will appear on your screen, including your last contribution, refund, etc.

    EPF balance slip

    As already mentioned, earlier the PF slip was issued at the beginning of the year stating the employee’s outstanding amount, monthly contributions and withdrawals if any. Now, logging in to the EPFO’s member portal will get you access to your PF slips with just a few clicks. Accessing your PF balance slips is the same procedure as checking your PF balance on EPFO’s member portal. Here are the steps:

    • Visit the EPF balance page - http://www.epfindia.com/site_en/KYEPFB.php
    • Click on PF balance tool button at the bottom of the page.
    • Once the new page for ‘member balance information’ has propped up, select the state your PF office is located in.
    • Enter your EPF account number, mobile number and your name.
    • Click on submit after you have done so and you will get an SMS stating your balance and the full balance statement will appear on your screen, including your last contribution, withdrawal, refund, etc.
    • Once you have checked your balance you have the option of downloading your PF balance slip as well. Click on download ‘PF slip’ on the same page and you can print the information of your PF slip if you need to.

    EPF balance with PAN number

    If you have logged on to the EPFO member portal and do not remember your username and password to further check your balance and so on, you can use any identification proof number. Your PAN number is enough to gain you access into the EPFO member portal. Once you have gained access, follow the steps to check your balance.

    • Click on PF balance tool button at the bottom of the page.
    • Once the new page for ‘member balance information’ has propped up, select the state your PF office is located in.
    • Enter your EPF account number, mobile number and your name.
    • Click on submit after you have done so and you will get an SMS stating your balance and the full balance statement will appear on your screen, including your last contribution, withdrawal, refund, etc.
    • Once you have checked your balance you have the option of downloading your PF balance slip as well. Click on download ‘PF slip’ on the same page and you can print the information of your PF slip if you need to.

    EPF withdrawal without employer’s signature

    Getting your employer’s signature to process a withdrawal from a PF account can sometimes be a daunting task as ex-employers can be quite in-cooperative. Thankfully, now you do not need their attestation to carry on the procedure. Here’s how you can do it:

    • Having an active UAN is a must along with your bank number and Aadhaar card number filled in the UAN database.
    • Your previous employer should have already verified your Aadhaar number.
    • Download the new forms - Form 10C and Form 31- apart from the regular Form 19 from the EPFO’s member portal.
    • Fill in your personal details in this form, your address, UAN, PAN card number, date of joining and reason for leaving, and bank account number.
    • Attach a cancelled cheque along with the form for the bank to verify your bank account number.
    • Submit the forms and cancelled cheque in your regional EPF office.
    • Make sure that your details on the form match those on the UAN database.
    • For those without an Aadhaar card, the forms need to be attested by an authority - Gazette officer, bank manager, designated member of the EPFO - before submission.

    EPF customer care

    For those looking to answer queries with the EPFO, all one needs to is to access the EPFO’s member portal. Once you have done that, click on the customer care service tab on the top of the screen and dial the toll free number of one’s regional customer service.

    EPFO digital signature

    Since most agreements are made online now, digital signatures have become imperative to prove the authenticity of the person or an organisation. The signature contains your identity - name, APNIC account name, country, email Id and your public key. In order to attest claims made on the EPFO, an employer first needs to register their class 2 and class 3 Digital Signature Certificate with the EPFO. To do so, here are the steps:

    • On the EPFO’s homepage, click on the Online transfer portal - registration of digital signatures - on the top bar.
    • On clicking on the digital certificate button, choose ‘Register certificate’.
    • Once you have done that, you will need to fill the form - Name of authorised signatory, designation and phone number. Click next when you have filled the form.
    • You will then have to choose your type of Digital Signature Certificate:
      • Sign with you USB token
      • Sign with .PFX file
    • Submit your choice and the system will run a Smart CardApplet (Java applet). Run the application.
    • Next, a message box containing the type of Digital Signature will appear. Click ‘select this certificate’.
    • Enter the PIN generated in the box and click Ok.
    • The message box will then say “Digital certificate selected successfully”
    • Click on the submit button.
    • It will then say ‘Digital Signature Generated successfully’. Take the Pdf copy and make a print out. It then needs to be submitted to the EPFO office for authentication, following which you can authorize transfer claims.

    EPFO grievance

    To raise a grievance with the EPFO, all one needs to do is to access the EPFO’s member portal, login using their username or identification number and click on the EPFO grievance button. From there they can register a grievance, send a reminder if there is no response and and check the status of your complaint.

    EPF joint declaration form

    A joint declaration form is issued when the wages of an employer exceed the wage ceiling limit of Rs.6,500 per month. The declaration is by both - the employer and the employee. Subscribers can download the form from the EPFO member portal or get their hands on a physical copy from the regional EPFO office.

    EPF login for employer

    For those wanting to sign in as an employer, one needs to login to the EPFO member portal and enter their unique username and password or establishment ID. In order to make transfers transparent, claims can be viewed by both the employers and employees. Employers will have to have a registered digital signature to authorise transfers and claims.

    EPF tax exemption

    EPF falls under a triple E (Exempt, Exempt, Exempt) tax bracket, making it tax-free for employees who have withdrawn their savings after five years of holding the account or continuous employment. For those making premature withdrawals (below 5 years), they will attract tax as under the TDS (Tax deducted at source).  

    News About PF Status Online

    • EPFO encourages PF members to consolidate their accounts.

      The Employees’ Provident Fund Organisation (EPFO) has launched various tools to help PF members to consolidate all their existing accounts into one account. This single account can be conveniently managed online by subscribers. This initiative named “One Employee-One EPF Account” was launched on May 1st, 2016, with a Universal Account Number (UAN) activated with the subscriber’s mobile number and current ID. Members will have to validate their credentials after which the EPFO will allow the member to register all previous PF accounts. Employers can get the Universal Account Number (UAN) from new employees along with bank account details and PAN card details, while doing KYC procedures.

      24th May 2016

    • Central Government Proposes to bring amendments in EPF Act

      Union Labour Minister Mr.Bandu Dattatreya said that the Ministry has been working to ensure “Sabka Saath, Sabka Vikaas”. He also noted that the Centre is increasing the quantum of financial assistance being offered under rehabilitation scheme from Rs. 20, 000 to Rs. 3 lakhs. Also, the EPF interest rate has been set at 8.8 per cent this year and all EPF investors will be given a UAN (Universal Account Number) to get complete details about EPF on their mobile phones. Also, there are about three crore EPF accounts which will all be revived next year.

      5th May 2016

    • Government under fire from trade unions for EPF blunders

      Trade Unions all over the country are going on strike to protest the decision by the Finance Ministry to lower the EPF Interest Rate.

      The EPF is a government scheme that was implemented to enable the working middle class of India to save for their retirement.

      Earlier this year, the government announced its intention to block a portion of withdrawals from the EPF scheme, which the people had rightfully earned and saved for years as per government directives.

      After agitation and protests by trade unions and labourers alike, the government decided to repeal that clause, and has now instead decided to lower the EPF interest rate to 8.7% from 8.8%.

      This move has been called undemocratic, and even a scam by financial and labour experts.

      Moves such as this are calling into question other government savings schemes like PPF, small savings accounts, etc. on which the government has total control over interest rates, etc.

      4th May 2016

    • Withdrawal norms on PF put on hold post protests

      Amidst increasing pressure from various quarters including unions and workers, the government has deferred the move to restrict withdrawal of corpus from PF for another three months. Labour unions in various parts of the country has protested against the move along with online campaigns being launched against this. There was a massive protest that turned violent in Bengaluru by garment factory workers. Bandaru Dattatreya, the labour minister said that a meeting of the central Board of Trustees would be called to discuss this issue further.

      Allowing withdrawal of corpus by EPFO subscribers for reasons such as healthcare, purchase of houses, marriage and education of children is being considered and has been referred to the Law Ministry for further clearance. The ministry had issued a notification in February restricting the complete withdrawal of PF corpus by subscribers after unemployment of more than 60 days. After concerns were raised regarding this, the implementation was deferred. The new proposal allows subscribers who are members of a government organization or an old age pension scheme or contributory provident fund to withdraw the accumulation.

      It has also been stipulated that the unemployment period of more than 60 days is not applicable to women resigning in cases of pregnancy or for the purpose of marriage. The previous ruling allowed subscribers to withdraw 90 percent of their savings when turn 55 years old.

      25th April 2016

    • Central government circular on PF deposits draws flak from senior citizens

      A recent circular from the Centre stating that inactive provident fund deposits would be transferred to a fund for senior citizens has drawn flak from a portion of the community. The new circular aims to utilise funds which have been inactive for over 7 years, using it to benefit the senior citizen community. Members protesting this decision termed it as unethical and illegal.

      7th April 2016

    • PF accounts will now be portable?

      In order to make provident fund accounts from portable, the government has urged factory inspectors to ensure to link Aadhaar or PAN of workers with the Universal Account Numbers (UAN) that is assigned to their provident fund accounts. Doing this activity, workers can transfer their provident fund deposits if and when they switch jobs all over the country. But the catch that lies here is, the UAN with the bank accounts have to mandatorily linked to either the Aadhaar or PAN details. So far there is only 17% of the 6.36 crore UAN accounts, have have been made portable.

      16th March 2016

    • Provident Benefits May Be Available to Contract Employee's as Well

      The Indian government has come up with the decision to have stricter laws for large employers who are relying on contract workers which allows them to pay these workers their statutory dues such as employees’ provident fund contribution. As an initiative for this, the Employees Provident Fund Organisation (EFPO) has requested public sector firms to upload their websites the details of project contracts awarded to various agencies to make sure contract workers get provident fund benefits.

      A similar directive is expected to be sent soon to 4,700 private companies employing over 1,000 workers each.

      15th March 2016

    • Working Class in Relief as Tax on 60% EPF Withdrawal Rolled Back by Modi Government

      The working class of India has some relief after Arun Jaitley, the country’s Union Finance Minister made amendments to the budget proposal and now aims to tax 60% of EPF withdrawal on retirement. Narendra Modi, the nation’s Prime Minister made an intervention in the Lok Sabha recently and Jaitley, amidst protest from trade unions and opposition parties said that the intention behind the proposal was to urge working class individuals in the private sector to join the NPS. However, the tax NPS tax proposal was retained and Jaitley revealed that paragraph 138 as well as paragraph 139 of the budget speech associated with tax on EPF have been withdrawn.

      10th March 2016

    • Government will Announce the categories of employees Who EPF tax exempted

      The government will be announcing the categories of employees who will be exempted from the controversial tax proposal on EPF withdrawals, according to an official’s report from the Finance Ministry today.

      Finance Minister of India, Arun Jaitley has proposed his Budget for 2016-17 with taxing 60% from the Employee Provident Fund (EPF) on the contributions that are to be made after April 1, with the exception that the sum is reinvested in pension products such as an annuity plan.

      The official was heard saying in the statement, "We have put an excluded employees category in the Finance Bill 2016. The government will notify the excluded category of employees to whom this new regime will not apply”.

      The excluded employees would generally be people who are drawing statutory wages of up to Rs 15,000 every month.

      9th March 2016

    • Rollback of EPF tax proposal announced

      Mr. Arun Jaitley, the Finance Minister who proposed taxing EPF withdrawals in his recent budget gave in to pressure from the public to rollback this highly controversial proposal. The initial proposal to tax 60% of the corpus on withdrawal drew flak from salaried members across the country, as the tax would’ve eaten into a chunk of their savings. This decision to roll back the tax came as a big relief, with people lauding it. The Finance Minister, however made no changes to existing tax norms under the NPS.

      8th March 2016

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