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
- Step 1: Visit the EPFO member portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
- Step 2: Enter your UAN (Universal Account Number) and password, and lastly complete the captcha verification.
- 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.
- 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.”
- 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, Form 19, Form 10C & Form 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)
- Step 1: Visit the EPFiGMS portal: https://epfigms.gov.in/
- Step 2: Click on “Register Grievance.”
- Step 3: Select your status (PF member, EPS pensioner, employer, or others).
- 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.
What is 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.
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.
For the financial year 2023-2024, the interest rate for the Employees’ Provident Fund (EPF) is 8.25%, as declared by the Employees’ Provident Fund Organization (EPFO) on February 10, 2024.
- 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.
According to the latest payroll data, EPFO saw a record net addition of 19.50 lakh members in May 2024, the highest since payroll data tracking began in April 2018. This marks a significant milestone for the organization.
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.
Employees with less than six months of service are now eligible for withdrawal benefits, benefiting over 7 lakh EPS members.
- 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.
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.