EPFO Login

The Employees’ Provident Fund Organization (EPFO), founded in 1951, is a key part of India’s social security system. It manages the Employees’ Provident Fund (EPF) and provides life insurance, retirement savings, and pension benefits through the Employees’ Deposit Linked Insurance (EDLI) and Employees’ Pension Scheme (EPS). This program supports millions of salaried workers in India.

This page will provide detailed information about the EPF scheme and EPF online services, including EPF member login, UAN login, checking claim status, and the withdrawal process.

EPFO Login

EPFO Login
  • Step 3: Once logged in, you can access various services like viewing your passbook, updating KYC details, filing claims, and tracking claim status.

By selecting the appropriate option based on your status, you can log in and access specific services provided by the EPFO. The login links available on the EPFO portal are provided in the table below.

For Employers :→Log In
For Employees :→Log In
For International Workers :→Log In
For Pensioners :→Log In

EPF Passbook & Claim Status

  • Step 1: Log in to your EPF Account: Access the EPFO member portal and log in using your UAN and password.
  • Step 2: View Passbook: Click on “View Passbook” to see your detailed EPF statement, including contributions, interest earned, and the total balance.
EPF Passbook
  • Step 3: Track Claim Status: Click on “Track Claim Status” to view the current status of any claims you have submitted for withdrawal or transfer of funds.

Member KYC

  • Step 1: Log in to your EPF Account: Access the EPFO member portal and log in using your UAN and password.
  • Step 2: Navigate to KYC: Go to the “Manage” tab and select “KYC.”
Member KYC
  • Step 3: Choose Document: Select the document you want to update (e.g., Aadhaar, PAN, bank details).
  • Step 4: Enter Details: Fill in the required details of the document and click “Save.”
  • Step 5: Lastly, your employer will need to approve the KYC update for it to become effective.

EPF Online Claim (Withdrawal)

  • Step 1: Log in to your EPF Account: Access the EPFO member portal and log in using your UAN and password.
  • Step 2: Initiate Claim: Go to the “Online Services” tab and select “Claim (Form-31, 19, 10C & 10D).”
  • Step 3: Verify Bank Account: Ensure your bank details linked to your UAN are correct.
  • Step 4: Select Withdrawal Reason: Choose the appropriate reason for your withdrawal from the available options.
  • Step 5: Provide Details: Fill in the required details, including your address and the amount you wish to withdraw.
  • Step 6: Upload Documents (If Applicable): If your claim requires supporting documents (e.g., for advances), upload them as per the instructions.
  • Step 7: OTP Verification: An OTP will be sent to your registered mobile number for verification. Enter the OTP to submit your claim.

Grievance Registration (EPFiGMS)

Grievance Registration (EPFiGMS)
  • Step 4: Enter your UAN, PPO, or establishment numbers (if applicable).
  • Step 5: Provide personal details, grievance details, and supporting documents.
  • Step 6: Submit your grievance.
  • Step 7: You will receive a registration number to track the status of your grievance.

Understanding EPFO

The EPF is a mandatory scheme for organizations with 20 or more employees. It operates as a retirement savings plan where both employees and employers contribute a portion of the employee’s salary each month. This accumulated amount, along with the interest earned, forms a substantial corpus that employees can utilize upon retirement. Below are the details regarding the EPFO:

  • Eligibility: All employees in organizations with 20 or more employees are automatically enrolled in the EPF. Smaller organizations can also voluntarily opt into the scheme, extending its benefits to a wider workforce.
  • Contributions:
    • Employee’s Contribution: Employees contribute 12% of their basic salary and dearness allowance (if applicable). This contribution is automatically deducted from their monthly salary.
    • Employer’s Contribution: Employers match the employee’s contribution, also contributing 12% of the basic salary and dearness allowance. This contribution is further divided into:
      • 8.33% is directed towards the Employees’ Pension Scheme (EPS) to secure pension benefits for the employee after retirement.
      • 3.67% is credited to the employee’s EPF account.
      • 1% is used for administrative and insurance charges, ensuring the smooth functioning of the scheme and providing life insurance coverage under the EDLI scheme.
  • Attractive Interest Rate: The EPF offers a competitive interest rate, typically ranging between 8.15% and 8.25% per annum. This interest is compounded annually, leading to significant growth of the accumulated funds over time.
  • Tax Benefits:
    • Deductions under Section 80C: Contributions made to the EPF are eligible for tax deductions under Section 80C of the Income Tax Act, up to a specified limit. This allows employees to reduce their taxable income and save on taxes.
    • Tax-Free Withdrawals (Conditions Apply): In most cases, the interest earned and withdrawals from the EPF are tax-exempt, provided certain conditions are met. One key condition is completing five years of continuous service. This tax-free benefit makes the EPF a highly attractive savings option.

Benefits and Features

The EPF offers a range of benefits designed to secure your financial future:

  • Retirement Benefits: Upon retirement, employees receive a substantial lump sum amount. This includes their contributions, the employer’s contributions, and the accumulated interest earned over the years. This lump sum can be used to meet various post-retirement expenses and goals.
  • Pension (EPS): The Employees’ Pension Scheme (EPS) is linked to the EPF and provides a regular monthly pension to employees after retirement. This ensures a steady income stream and financial stability during the retirement years.
  • Life Insurance (EDLI): The Employees’ Deposit Linked Insurance Scheme (EDLI) is another significant benefit linked to the EPF. It provides life insurance coverage of up to ₹7 lakhs to employees. In case of the unfortunate demise of the employee, the nominated beneficiary receives this sum assured, providing financial security to the family.
  • Emergency Withdrawals: The EPF scheme understands that emergencies can arise, and thus allows partial withdrawals under specific circumstances. These include medical emergencies, home purchases, higher education, marriage, and unemployment (after a specific waiting period). While withdrawals before retirement are generally discouraged, the EPF provides this flexibility to address urgent financial needs.
  • Universal Account Number (UAN): Each EPF member is assigned a unique 12-digit Universal Account Number (UAN). This UAN remains the same throughout the employee’s working life, regardless of job changes. It acts as a portable account, making it easy for employees to transfer their PF balance from one employer to another.

The Employees’ Provident Fund Organisation (EPFO)

The Employees’ Provident Fund Organisation (EPFO) is the government body responsible for administering the EPF and its associated schemes. Established in 1951, the EPFO has emerged as a leading social security organization globally, serving millions of employees and pensioners.

Key features of EPFO

  • Digital Services: The EPFO has embraced digital transformation, offering a wide range of online services through its member portal and the UMANG app.
  • Establishment e-Report Card: This feature provides transparency by displaying an establishment’s compliance status with EPF regulations and its contributions to the EPF scheme.
  • Pensioners’ Portal: A dedicated portal for pensioners offering resources and calculators to help them understand their benefits.
  • International Workers Portal: This portal caters to the specific needs of international workers who are covered under the EPF scheme. It provides information on compliance requirements and assists in various processes.

What is UAN?

The Universal Account Number (UAN) is a unique 12-digit number given to every employee involved in the Employees’ Provident Fund (EPF) scheme, overseen by the Employees’ Provident Fund Organisation (EPFO) in India.

The main function of the UAN is to consolidate multiple EPF accounts that an employee might have with various employers into one unified account. The UAN stays the same throughout an employee’s career, no matter how many jobs or companies they switch.

Latest Updates: New EPS Rules (June 2024)

The Indian government has recently amended the Employees’ Pension Scheme (EPS) rules, bringing significant benefits to employees:

  • Withdrawal Benefits for Short Service: Employees with less than six months of service are now eligible for withdrawal benefits, benefiting over 7 lakh EPS members.
  • Pro-Rata Calculation of Benefits: The calculation of withdrawal benefits has been revised to consider the fractional period of service, ensuring a more equitable distribution of benefits for all members. This change is estimated to impact over 23 lakh employees positively.