EPF balance is the amount that is there in your EPF Account. EPF balance consists of amount deducted every month from your salary plus the amount that is contributed to your EPF account by your employer. Knowing your EPF balance can be a good indicator of your retirement savings.
Employee’s Provident Fund, in the year 2013, launched an online enquiry platform for fund balance. The idea behind the move was to give employees quick access to information related to their PF account balance. EPF is an important part of the remuneration structure of any salaried employee. Checking on EPF can give you valuable insights into the status of your PF account especially for instances when you wish to partially withdraw your PF amount or in case you wish to avail a loan against your EPF.
Before this services was made available to the users, finding out EPF balance was not an easy task and required forms to be filled and offices to be visited for knowing this simple information. With the launch of the online EPF balance check facility, individuals can now know their PF balance in the matter of few minutes.
How to Check EPF Balance Online
Here are a few steps that list down clearly the process to check your EPF balance online.
Step 1: The first step towards checking your EPF balance is to keep your EPF account number handy. This is the most important information with respect to any communication regarding your EPF account.
Step 2: Open the link, http://www.epfindia.com/site_en/KYEPFB.php and click on the “Know your balance” text at the bottom of the webpage.
Step 3: Select the state of the PF office in which your EPF account is maintained
Step 4: As soon as your select your EPF state, a list of city offices pertaining to that state will be listed down. Choose your city specific EPF office from the list. For example, if your PF state office is Karnataka and the local office is in Bangalore, then select Bangalore as the city.
Step 5: Now fill in your EPF account number, your name as mentioned in EPF records and your mobile number. Generally, the EPF number would be in the following format - TN/MAS/0054222/000/0000111. In case, the three digits in the middle are not there for your EPF account number, then leave the box blank and proceed. The first two alphabets in the EPF account number is the code for region and next three alphabets is the code for PF office. Accordingly, you can choose your regional PF office.
Step 6: Click submit and the EPF balance will be sent to you via SMS on the mobile number that you have shared in the form above.
How to Check EPF Balance Via UAN
UAN is the Universal Account Number which is unique for all individuals enrolled under the EPF scheme. This number does not change when you change your employer or your PF account number. UAN is a unique number assigned to each employee. UAN can be generated by logging in to the EPF website. Once you have registered your UAN, you will receive details like EPF balance and other such information on your mobile phone via sms.
Earlier this year, The Ministry of Labor and Employment had asked all organizations and employers to register their employees for the UAN and to ensure that EPF related formalities are up to date for all employees.
Here are a few steps that lead to EPF balance checking via UAN.
Step 1: Open the web page http://uanmembers.epfoservices.in/
Step 2: Enter your Universal Account Number of UAN.
Step 3: Enter your mobile number at which you will receive SMS.
Step 4: Select your EPF state, and choose your city specific EPF office from the list. For example, if your PF state office is Karnataka and the local office is in Bangalore, then select Bangalore as the city.
Step 5: Fill in the captcha code that is prompted by the system. Finally you will receive the pin and the EPF balance details on the mobile number that you have furnished.
How to Check EPF Balance Via SMS or Missed Call
There are several ways which can be employees to check your EPF balance. One such way which comes in handy at times when you do not have an active online connection is via SMS or missed calls. For this you will need to have an activated UAN number. In case you have a valid UAN, your mobile number too will be registered with the EPF department. Giving a simple missed call to 011-22901406 will ensure that you receive an SMS that lists down your PF number, age and name as per the EPF records. However, you will require your UAN along with Aadhar Number or PAN Number in order to know your EPF balance.
KYC details along with UAN is mandatory for knowing your EPF balance. Once your UAN is integrated with your KYC, every time you give a missed call to the Employee’s Provident Fund department, you will receive SMS with your EPF details including the EPF balance.
How to Check EPF Balance Via Mobile App
EPFO recently launched a mobile app for PF balance tracking so as to capitalize on the mobile application trend in the Indian market. The mobile app serves the purpose of balance check as well as passbook statement. The mobile app, however, is not available on Google Play Store and as such needs to be downloaded manually from the EPFO official website. The mobile app currently in the market is only available for the android version. EPFO will soon be launching mobile app versions for both blackberry and ios devices.
On the EPFO app link, click and check save target as. Once the app is installed on your mobile phone, you can open and feed in your name and account number to track the PF status. The execution file for the app can also be downloaded to the computer and then moved to the mobile phone. The main file is named m-epf.apk and will show on the desktop or mobile screen wherever you download it to.
Here are the steps for using the EPF mobile app:
Step 1: Open the mobile app on your phone and click member
Step 2: Under the Member option, click balance/passbook and then input your twelve digit UAN number. Also feed in your registered mobile number. The system will now verify the mobile number - UAn combination and will throw an error if it does not match.
Step 3: In case the mobile number-UAN combination is correct, you will be shown a screen which displays your updated EPF balance information along with personal details like your name, date of birth, Aadhar number, PAN for tax deduction, last month EPF contribution etc.
Step 4: In case you wish to see your EPF statement for the last 7 months, you can press the “view passbook” option and get a detailed statement for the last 7 months.
EPF Mobile App for EPF Balance tracking is a good and handy way to check your EPF balance and that too on the go.
Mr. Bhatt was working in a software company when he got a job change and shifted to Bangalore. Before deciding to withdraw his PF amount or carrying it forward to the new company, he wanted to know the exact EPF amount that he has in his EPF account.
He had heard from his colleagues that obtaining the EPF balance is an easy process via the Universal Account Number or UAN. However, he had doubts since he had never generated the UAN. But, then he was told that without UAN also, he could get EPF balance information via the SMS facility.
Checking your EPF balance via the EPF website and receiving the answer on your mobile phone is a convenient way to know about the actual amount in your EPF account. This way you can keep a tab on the running balance in your PF account.
How to Access and Download your EPF Passbook?
EPF passbook is similar to our bank account passbook. The passbook lists down all transactions with respect to your EPF account including both deposits and/or any partial withdrawals.
Using the UAN portal
UAN can be used to download the passbook online from the EPFO website and then track the status of your EPF transactions. The EPF passbook has particulars regarding monthly PF contribution, monthly PF contribution from your employer, and contribution towards the pension scheme as well as the latest EPF balance. EPF passbook is like a full statement of all your transactions with the EPFO.
The only prerequisite for obtaining this passbook is to generate your UAN number which can then be used to login and download it.
Using the Member portal
Employees Provident Fund Organization or EPFO has a member portal where you can register online and then view your EPF passbook. The facility can be availed only by individuals whose employer has uploaded the Electronic Challan cum Return for the salary month of May 2012 and beyond.
The best part about using the member portal for PF passbook is that there is absolutely no need to remember any user id or password. Only registered mobile number and any of the identity proof number such as PAN, Aadhar, voter id etc. are required to register and then make further logins. Multiple id numbers can be fed and stored along with the registered phone number. Any of these id numbers can then be used in combination with the phone number for retrieval of EPF statement via the EPF passbook.
Using the above listed two portals for downloading and viewing EPF passbook is a great way to know your EPF balance also.
Important Points to Keep in Mind While Checking EPF Balance
With the introduction of technology in various government projects, the maintenance and tracking of EPF balance too has become a piece of cake. However, there are certain points that need to be kept in mind for successful login and viewing of EPF balance. Let us look into a few of these points.
- For registration at member portal for passbook download, only one mobile number can be used for one registration
- Any registered mobile number can view only one EPF account details and for more accounts either more phone numbers should be registered or PF transfer through form 13 needs to be applied for.
- One member of the portal can view a maximum of up to 10 EPF account balances
- Multiple id numbers can be added one after the other during registration so as to make use of any identity proof number during the time of registration
EPF Balance Transfer
Is your provident fund lying idle in multiple accounts as you switched jobs a couple of times? While changing jobs, one of the easily forgotten tasks is getting EPF balance transferred on time. Job change is always associated with bulk volumes of paper works and procedures that employees tend to leave this finest investment avenue of theirs behind. Quite apparently, there’s a swirl of confusions when it comes to matters related to EPF. Provident funds provide greater benefits than fixed deposits and other government bonds, so it’s preferable to transfer the amount during change in employment. However, employees also have the option to close their active EPF account and open a new one. Undoubtedly, EPF is the best long term savings option that provides assured income and saves your tax.
The Know-Hows of EPF Balance Transfer
- Employees can transfer their accumulated balance anytime from one account to another, but it cannot be transferred to a third person account.
- Along with provident fund, the pension amount under Employee Pension Scheme (EPS) also gets deposited in the employee’s new account. But, government mandates a minimum work period of 6 months to be eligible for these benefits.
- For fund transfer to take effect, both the EPF accounts should have all essential information such as employee name, father’s name, date of birth, etc. Any mismatch or unavailability of details can result in delay or rejection of the transfer request.
- Employees cannot transfer a portion of EPF balance to their new account keeping the rest in their old one. The entire sum has to be deposited to the new account.
- EPFO has also launched an online submission system to facilitate the transfer of provident funds. For withdrawal of EPF amount, members can apply through their current or previous employer.
Eligibility for Enrollment in EPF Scheme
Ideally, all employees above a monthly income of Rs.15,000 are eligible for EPF contributions, but some companies offer EPF even to those employees who are below the aforementioned salary range. Employees also have an option to not enroll for EPF depending on their pay and conditions. But it is to be noted that once enrolled you cannot opt out of the scheme. The interest rate for EPF is decided every year by the government and for the year 2015-16, it is set at 8.8%.
What Happens to EPS during EPF Balance Transfer?
The percentage contribution of an employee towards EPF is 12% or 10% of his basic salary and it directly doesn’t participate in Employee Pension Scheme (EPS). While out the 12% contribution from employer’s side, 8.33% of the amount is apportioned towards EPF with an upper limit of Rs.1250 per month. In case an employee wishes to make higher contributions towards EPF, a joint PF declaration form signed by employee and the establishment must be submitted to the Regional Provident Fund office. When a person switches job, the old EPF amount gets transferred to his/her new account, while the EPS contributions continue to stay with the Employee Provident Fund Organization (EPFO). Depending on the length of employment and employee’s age, the accumulated EPS amount can be withdrawn or carried forward. Employees cannot apply for withdrawal of EPS sum while continuing in service. However, he/she can apply for withdrawal by filing Form 10 C, only after quitting the present job and before joining any new organization.
EPF Contributions at the Rate of 10%
PF contributions at 10% rate is applicable for people working in the following establishments:
- A company with less than 20 employees on its payroll
- Any organization that suffers losses equal to its entire net worth
- Establishments coming under Jute, Beedi, Brick, Coir, and Guar Gum industries
- Any other establishment decided by the Board of industrial and Financial Reconstruction
Online Transfer of EPF Balance
With Center making Universal Account Number (UAN) mandatory for all employees, the transfer and withdrawal of EPF amounts have become effortless and stable. The online service aims to provide more transparency by instituting a central authority to track all regional proceedings. Once the employee makes an online application for balance transfer, a copy of the same will be sent to current and previous employers. It is to be noted that the employer will have to attest the validity of employee application for balance transfer. With new amendments, EPF members can expect the transfer to be effected in 2 weeks’ time.
EPF Balance for Inoperative Accounts
According to a notification issued by Government in November 2016, even the dormant accounts will continue to accrue interests and it will not be classified as inoperative anymore. EPFO had stopped paying interest to dormant accounts since 2011. But once the new amendment comes into effect, all inoperative accounts will receive interests at the rate of 8.8% per annum. Earlier, accounts turned inoperative chiefly due to two reasons—the cumbersome processes involved in EPF transfer and employees preferring to open new accounts while switching jobs. Communication gap between current and previous employers of an individual also contributes largely to the same. In cases where employees are unable to track the details of their old inoperative accounts, they can approach the EPFO help-desk and get the balance in those accounts transferred to the current one.
New EPF Withdrawal Forms for Easy Claims
EPFO has released new forms that facilitate the withdrawal of provident fund amount without employer attestation. These forms are known as Form 19 UAN, Form 10C UAN, and Form 31 UAN respectively. This particular move by government has trimmed down the complex procedures involved while making claims and EPF transfers. Using the new EPF forms, employees can apply for final claim settlement, full withdrawal, partial withdrawal, and loans. Form 19 UAN is applicable in cases where an employee resigns from service or employer terminates the employment agreement. Form 10C UAN is used for making claims related to EPS and Form 31 is associated with partial withdrawals or advances. The preconditions for EPF withdrawal without employer signature are as follows:
- Form 11 of the employee should already be available in EPFO records
- He/she must have a valid UAN
- The bank details and Aadhaar number should be available in KYC data
If an employee doesn’t meet the above mentioned criteria, he/she will have to make claims using the regular EPF forms—Form 19, Form 10C and Form 31.
Provident Fund Rules for Railway Employees
Each railway employee contributes 8.5% of his salary towards State Railway Provident Fund Account and this is inclusive of General Provident Fund (GPF) deductions. Voluntary PF contributions can be made subject to the condition that maximum fund recovered should not exceed balance amount. Employees are eligible to withdraw the accumulated PF amount on various occasions and the withdrawal can either be partial or full. The EPF balance of railway employees is maintained by the railway accounts department. For more details, visit the Railway Employees Information System (REIS) portal.
Name Mismatch In EPF Account
One of the most worrying problems for employees while checking EPF status is to find a name spelled incorrectly. This however does not require much effort on the part of EPF member, and he/she can get it rectified with a few quick steps. Employees should submit an EPF name correction form along with employer’s statement and other supporting documents such as PAN card, Aadhaar card, voter id, or bank account passbook. The name change application should be addressed to the EPFO commissioner specifying the errors found in the existing employee credentials. EPFO has also introduced an option for reporting problems online, which is in its testing stage. Once the error reporting section of the website is finalized, EPF members can login with their UAN and submit an online application for name correction.
EPF Customer Care
EPFO has launched various mobile and web based services to solve account related queries and to help customers know their EPF status with ease. You may register your grievances by dialing the EPFO India helpline number 1800118005. The PF regulator is also strengthening its social media presence to handle grievances and requests from members. Currently, both Facebook and Twitter handle of EPFO is receiving suggestions, feedback, complaints, all of which are attended within 24 hours by the officials of regional centers. As of May 2016, the Facebook page and Twitter account of EPFO have around 3500 and 700 followers respectively. The social networking platform comes as an additional support to the online public grievance addressing system of regional EPF centers. You can get information about regional offices by visiting the EPFO website.
Tax Deductions for EPF Accounts With and Without PAN
Government has introduced a new section in the Finance Act 2015, whereby PF withdrawals will be subjected to tax deductions. It has also increased the threshold of PF withdrawals from Rs.30,000 to Rs.50,000. As per the new rule, all withdrawals over Rs.50,000 will be taxable at source if the employee has served for less than 5 years. Even individuals below the taxable income range will have to ante up 34% towards ‘PF withdrawal tax’. However, if the EPF account of the employee is linked with PAN, then the rate of deductions will be 10% per annum, and for those without PAN it will be straight 34.6%. If an EPF member has filed a declaration using Form 15G or H at the time of joining, tax deductions will not be applicable for withdrawals below Rs.2,50,000. It is also to be noted that PF amounts withdrawn owing to bad health, business failure, or any such emergencies are exempted from the above rule. Therefore, it is ideal that you save your taxes by securing your EPF balance with PAN number.
EPFO Digital Signatures for Employers
Center has urged all organizations covered under the EPF scheme to apply for digital signatures. In a statement issued by EPFO, it was notified that all establishments should submit the required documents after signing them digitally. This will serve as a medium for easy verification of UAN data. Employers can upload their digital signatures through the Online Transfer Claim Portal (OTCP) of EPFO. Organizations exempted from the EPF scheme are required to file e-returns on a periodic basis.
How to Download EPF Balance Slips
At the end of each salary period, annual statements of PF accounts will be made available in the EPFO website, which can be downloaded by employers through the E-Sewa portal. Discussed below is a step by step process to download EPF balance statement.
- In your web browser type the url http://epfindia.gov.in/
- In the EPFO home page, click on the link “For Employers”
- Further under the services listed in the page, select “ECR/Challan Submission”
- It will navigate to the “Employer E-Sewa” page
- Click on the “Employer E-Sewa” link given in the page and sign in using your credentials
- In the downloads tab, select download PF slips and choose your desired located to save the pdf.
EPF Tax Exemption
According to Budget 2016-17 announcement, PF withdrawal will continue to be exempted from tax and only the interest accruing on 60% of employee contributions after 1 April, 2016 will be taxable. The remaining 40% of PF corpus will be excluded from tax under recognized PF and NPS. However, the aforementioned rule is not applicable to employees whose monthly income is below Rs.15,000.
Government Initiative to Enhance EPF Membership
EPFO is expected to launch a massive drive throughout the country in 2017 with aim to increase member enrollments. The regulator had already conducted awareness campaigns underscoring Aadhaar issuance and bank account opening. According to a survey, only 50% of the EPF contributors have a valid bank account. In light of the same, EPFO has directed regional offices to ensure that all employee provident fund accounts are linked with Aadhaar number and bank account. Also, a centralized system for maintenance of all EPF related information is underway.
EPF Claim Settlement
Government has issued guidelines on PF settlements under which all death claims will be settled within 7 days from the date of application and retirement claims before the date of retirement. EPFO has also directed all field offices and officials to examine the requests and guide the claimants regarding essential documents to support the claim.
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- EPF e-Passbook
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- File an RTI for EPF Withdraw or Transfer
News about How to Check Your EPF Balance Online
EPS scheme all set to be revamped
The Government of India is all set to revamp the EPS scheme and rid it of all kinks. According to the Labour Minister, Bandaru Dattatreya, said that he also informed the House that in association with Employees' State Insurance Corporation (ESIC), the government is going to formulate a medical benefit scheme for all the pensioners who are members of the Employee's' Provident Fund (EPF). I have directed that a complete valuation of EPS 1995 be done. I will see to it that a high-powered monitoring committee is formed and I will take cooperation from members to have a complete review of the scheme. According to a source, the minister has also pitched for implementation of welfare scheme for pensioners by including housing scheme by utilising the unclaimed provident fund amounting to about Rs 27,000 crore. Commenting on this, he said that Members asked about the health, housing and other benefits. As far as our PF subscribers are concerned, our prime minister has launched a programme called housing-for-all. He has appealed that housing-for-all should be there by 2022.
9th August 2017
PF settlement to take place on day of retirement
A relief for those enrolled with the EPFO, now PF settlements to be processed on the day of one’s retirement. Now subscribers will receive their gratuity within 30 days from retirement. According to Labour Minister Bandaru Dattatreya, he said that directions have been issued by EPFO to all its field offices to make the payment of provident fund and pension to members of Employees Provident Funds (EPF) Scheme, 1952 and Employees Pension Scheme (EPS), 1995 on the date of retirement itself. He added by saying that as per Payment of Gratuity Act, 1972, the employer shall arrange to pay the amount of gratuity within 30 days from the date it becomes payable to the person to whom the gratuity is payable.
21st July 2017
EPF Updates, Now Just With A Missed Call
The EPF organization has now made it easier subscribers to get updates regarding their PF balance. As per the new facility that has been introduced, PF holders will be able to find out their PF balance by simply giving a missed call on 01122901406 from their registered mobile numbers. After the missed call, the account holder will instantly receive an SMS alert from AM-EPFOHO which will display PF balance related information like name of account holder, their last contribution, Aadhar and PAN Card Number. To find out PF balance with the help of the missed call service, there are some requirements which must be fulfilled, such as the PF account holder must have an activated UAN, they must provide the correct mobile number on the UAN portal, they must give the missed call from the same mobile number which is registered on the UAN portal and the customer’s UAN must be linked to their PAN Card/Aadhaar Card or bank account.
10th July 2017
EPFO gains 1 crore members since Jan 1
According to the Union Minister, Bandaru Dattatreya, 1 crore members from across the country have enrolled in the EPFO since 1 January 2017. He said, in the entire sixty years after Independence, the number of PF subscribers was 4.3 crore and that of ESIC (Employees State Insurance Corporation) subscribers was 1.9 crore. We have undertaken a nationwide campaign for enrolment of new subscribers. We also offered incentives for the duration of the campaign. He proudly concluded saying that we have got new 1.01 crore registrations in PF alone and under ESIC we have added 1.20 lakh new subscribers to the existing two crore.
14th July 2017
PAN, UAN, and Aadhaar details should match for online PF withdrawal
Despite the availability of the online PF withdrawal facility, many subscribers are forced to visit the Provident Fund office for the same. The main reason for this is the inability to upload KYC on the EPFO website. If the KYC is not updated in the system, subscribers will be unable to perform online withdrawal of PF.
While submitting KYC, subscribers are required to provide their bank account details, Aadhaar number, PAN, driving license, passport, Voter’s ID card, etc. The details on the PAN, UAN, and Aadhaar should be in sync. In case the names or any other information is different across these proofs, the system will not accept the request.
These anomalies can be corrected in the UAN database by submitting a joint declaration form at the EPFO website. Following this, the subscriber can initiate an online PF withdrawal request.
13th July 2017
PF rate of return for FY2017-18 may go down by 25 bps
EPFO had reduced PF rate of return from 8.8% in FY2015-16 to 8.65% in FY2016-17. The rate of return for Provident Fund is decided based on the proposed rate by the Central Board of Trustees. The proposed rate is calculated based on the income projection for this fiscal year. There has been a decline in yield in government securities. This year, 85% of the PF will be invested in debt market unlike the previous year’s 90% investment. Remaining 15% will be invested in equities. Based on the CBT’s proposed rate, the labour ministry will decide on the PF rate of return for FY2017-18 which is expected to see more than 25 bps cut.
11th July 2017
PF rate of return for FY2017-18 to be announced next month
Bandaru Dattatreya, the Labour Minister told reporters that after a discussion with the Central Board of Trustees, the ministry will take a call on the Provident Fund (PF) rate of return for FY'18. The EPFO had decreased the PF rate of return from 8.8% in FY2015-16 to 8.65% in FY2016-17. Bulk of the PF is invested in government securities and bonds. Bandaru Dattatreya said that the rate of return on equity investments was 13.3% this year. The CBT will suggest a rate of return depending on the income projection for this fiscal. Based on the proposed rate, the ministry will take the call on PF rate of return for FY2017-18 and announce the decision in next month’s meeting.
11th July 2017
New pension updates that everyone should be aware of
Employees' Provident Fund Organisation (EPFO), the retirement fund organisation, has been introducing many new programmes to make provident fund claims processes quicker and easier. EPFO has introduced online filing of claims, electronic fund transfer, and lots more in order to simplify the partial withdrawal process.
Some of the new developments related to pension withdrawals include: EPFO will transfer the money to subscribers via digital or electronic fund transfer methods. EPFO will also enable subscribers who have activated their UAN and linked it to their KYC (Aadhaar) with the organisation to apply for PF settlement Online. Moreover, EPFO will be invest Rs.20,000 crore in exchange traded funds during this fiscal year in order to increase the investment limit in ETFs.
29th June 2017
EPFO to invest in corporate bonds
India’s largest superannuation scheme is all set to invest in corporate bonds below the A++ standard for the first time.
The EPFO will look to invest a small chunk of their corpus in corporate companies below the A++ rating, in a bid to gain some return on investments. A representative of the EPFO was quoted as saying that, This is the first time that EPFO will invest in lower AA+ rated private companies, rated twice," said a market source, who is not authorised to talk to the media.
29th June 2017
Online PF Withdrawal do not get authorised due mismatch with names
A lot of people have been visiting the Provident Fund office even though there is an online facility that’s available for the same. There are a couple of documents which have to be uploaded onto the EPFO website by the individual who’s seeking a withdrawal. Documents like their bank account number, Aadhaar card number, PAN, driving licence, passport, etc. But there are a lot of people who are not able to get their documents verified because the PAN and Aadhaar card details do not match. SSA of EDP, EPFO, Rajesh Pillai, started that the details on an individual’s PAN, UAN, and Aadhaar should be a perfect match. An individual will have to get the details corrected on these documents by going to the EPFO website and filling up a joint declaration form which has to be duly filled and submitted to the PF office. These details will be updated and corrected on the UAN database after which, the individual can upload and submit the KYC documents required for PF withdrawal.
29th June 2017