Savings

How to Login at EPFO and Check Your PF Balance?

13 Oct 2019 4 min read
Savings: How to Login at EPFO and Check Your PF Balance?

Employees Provident Fund Organization (EPFO) has a digital platform, where you can apply, withdraw, and track your PF status very easily. This platform can be accessed using user id and password, which you can create yourself with few clicks. This blog will help you check the login details for EPFO and know the procedure to verify your claim status and member balance with ease and convenience. 

Here, we will talk about

1. How can you login at EPFO website

2. How can you check the PF balance 

3. How can you inquire PF claim status

4. How you can withdraw your EPF 

And we will also answer several other questions. 


👉 What are the several steps to login to EPFO Member Portal and claim EPF status?

It's easy and simple to login to the EPF account, once the account is activated using the user id and password. The following steps will guide you through it:

  • Begin with the opening of the EPF portal
  • Fill in the details mentioned on the EPFO registration page.
  • During the registration process, make sure that you add the correct details, as later; you will be using the same information to log in.
  • Once you have completed the registration process, you can now login to the portal.
  • While logging in you will prompt to answer whether you want to login using your PAN, so, if you have registered using PAN card, then you need to select PAN number from the ‘Select Any One Document’ and enter your PAN Card number.
  • Make sure you cross-check all the details before getting a PIN
  • Once you are done, you will get an authorization PIN.
  • Enter the authorization PIN, and you will be registered on the portal.

The above steps will help in opening the member portal by entering specific details like address, name, mobile number, document types and once this is done, you can download the EPF Passbook and know the EPFO claim status from the website.

An important point to note while logging on to the EPF member portal is that you must have the 12-digit UAN (Universal Account Number). This unique number is present on your payslip.

Every employee is allotted with only one UAN number in his/her entire lifetime. Once you have got the UAN number, you can activate your account on the EPF member portal and log in using this number.

You must have activated UAN number to log in to the EPF account.

Read More: How to generate UAN


👉 How To Login to the EPF UAN Account

The following steps will help you with the entire process:

  1. Start by opening the EPFO website. You can click on this link for the same: Login EPFO  
  2. Once you have clicked on this link, you will see the login page. Enter the UAN number and password that you received when you were activating the UAN number.
  3. Enter the captcha in the box.
  4. Click the enter button and submit it.
  5. You will be logged in to your EPF account.

Benefits of Universal Account Number (UAN)

  • It helps in tracking the change of job of any employee.
  • Once can link new PF account with the help of UAN and the information will get automatically updated in the EPFO records. 
  • One can easily access the UAN facilities online – transfer or withdraw funds when one changes the job.     
  • Single-point management of different PF accounts.
  • Lesser employer involvement when it comes to withdrawing the PF. 
  • It makes the entire process of PF transfer easy. For example, if someone has switched the job, then all they need to do is to provide the new employer with the UAN number and KYC details and the new PF can be linked to the old one, or money can be transferred from the old PF account to the new one. 
  • Once you have successfully registered at the UAN portal, you can access the PF information using SMS.

 What happens if I forget the password?

You might forget the UAN account password. One can reset the password of the EPF portal by following the steps mentioned below:

  • You can recover the password by clicking on the forget password to which is present below the login option.
  • You will be able to access this information only when your KYC details are integrated with the EPF account.
  • So make sure that you complete the formalities.
  • Submit the basic details and send an OTP to the registered mobile number
  • Enter this OTP to activate your account

               afinoz

👉 How to Check EPFO Member Balance?

As mentioned earlier, employees can now check their EPFO claim status whenever they want without waiting for their employer to furnish the details at the end of the year. The process of checking of EPFO member balance can be done using both online and offline methods.

How to Check the EPFO Member Balance Online?

  1. Checking the EPF balance on the EPF Portal 

If you are a member of the EPFO portal, then you can check your EPF member balance by logging into this account. For this, you need to visit the official website of the EPFO or Employees’ Provident Fund Organization (EPFO). Follow these steps for seamless access:

 Go to EPFO official website: Check Here

 

Check the EPFO Member Balance Online?

 

 Go to OUR SERVICE section, and from the drop-down menu, you need to choose FOR EMPLOYEES. Once you select this option, you will be redirected to

✅ Again click on FOR EMPLOYEES

✅ From the service menu, choose EPF Member Passbook. Once you have selected this option, you will be redirected to the login page for your passbook. If you want to skip all these steps, you can directly click on this link, and you will be on the logging page of your member's passbook.  - Login 

✅ Login using with UAN and password.

✅ Once you have logged in, you will find Member IDs of all the EPF linked an account with your UAN, in simple words its one employee one EPF.

Choose the member ID to check the passbook.

Once you have clicked the member ID of the EPF account for which you want to check the balance, the passbook will be displayed on the screen in front of you.

While checking the EPF balance, you need to remember the following points:

  • You can access this part of the EPFO portal only when you have an activated UAN number and you are registered on the UAN Member Portal.
  • In case you make any modifications on the website, the same will reflect within 6 hours of making the changes.
  • The EPFO member passbook will have the latest entries that have been reconciled by the EPFO field offices.
  • Members who are exempted and members of inappropriate accounts
  •  
  • shall not be able to view their passbook on the EPFO website. If there has been no contribution to your EPF account in the last three years or more, the account will become inoperative.
  1. Umang App 

EPFO has come with an Umang App, which is a single-click way to get access to all the information related to the EPFO account.

Here is how you go about using the Umang App-

  1. Begin with downloading the Umang App from Play Store or App Store. In case, if you directly want to access this app, click on this link: Download Umang App

 UMANG APP – How to use EPFO services on UMANG APP

  1. Once you have downloaded the Umang app, open the app and select EPFO
  2. Now Click on the “Employee Centric Services”
  3. Now click on the VIEW PASSBOOK and check the EPF balance here.
  4. Now you need to enter the UAN Id and then click on the GET OTP. Once you choose this option, you will have OTP sent to your registered mobile number.
  5. Enter the OTP and click on the login.
  6. Choose the member ID of the company for which you want to check the EPF balance
  7. You will have the entire information displayed in front of you

How to download EPF Member Passbook in New EPFO Portal

👉 How to Check the EPFO Member Balance Offline?

If you are not well-versed with the digital medium of EPF balance check and want to go with the offline methods, then you can follow these steps:

 Check the EPF balance using SMS

Make sure that you use the registered mobile number when you send the message for EPF balance check. You need to send the following message to 7738299899.

 The format of the SMS should be-

EPFOHO UAN ENG

Say your UAN is 123456789101 and you would like to receive a message in the English, then your message should be EPFOHO 123456789101ENG. The language code is going to be the first three letter of your preferred language. If it is English, then the language code will be ENG if your preferred style is Hindi, then the language code is HIN

3. EPFO is available in the following languages:

  1. Hindi
  2. Marathi
  3. Gujarati
  4. Punjabi
  5. Malayalam
  6. Kannada
  7. Bengali
  8. Telugu And Tamil
  9. English

b) Checking EPF Member Balance by a miss call. An important point to note here is that you must have active UAN with Bank Account, Aadhaar card, and PAN to access the information on your EPFO account. In case you have not synced your UAN with PAN card, Aadhaar card or PAN, then you need to first complete the formalities with UAN, and only then you would be able to access the information on the EPFO portal.

This is by far the easiest way to check the EPF balance. All you need to do is give a miss call on 011-22901406, and you will have access to all the required information. But before that, you must know about the following:

  1. Activated UAN is a must to get information from your portal by logging into EPF account.
  2. Your mobile number must be registered with UAN
  3. Make sure that you give the missed call using the registered mobile number or else you would not be able to receive the information.
  4. The UAN account must be linked with Aadhaar card, PAN card, and Bank account.

👉 How can you login into the EPFO and transfer the EPF balance to a new account?

EPF has made its functioning fairly simple. You don’t need to have separate EPF account for a separate company. You can link all your EPF account at one place. In case you switch the job and want to withdraw EPF and transfer it to the current EPF account or the person can withdraw the EPF balance. It’s always good to transfer the EPFO balance rather than removing as it may put you under the brunt of the tax, in case your employment period is less than five years.

 Online Procedure for Withdrawal

One needs to activate the UAN and register on the UAN member portal. Here you will have access to withdrawal claim. You can choose between the partial or complete withdrawal of your EPF balance.

An important point to note here is that if your PAN number is linked with UAN, and if you plan to withdraw money before five years of service with the current employer, then you will fall in the tax slab. 10% of TDS will be deducted. If PAN is not linked, then you need to pay a heavy tax. 34.6% of TDS will be deducted from the EPF amount that you are withdrawing.

The crux of the matter is that you must make sure that UAN is seeded with PAN card, Aadhaar card, and bank account. This will simplify the process of application and approval.

 About EPFO Login Member Portal

The primary objective of coming up with a digitized platform is to make the process of EPF checking easy. There is no need for an individual to wait for year-end EPF receipt to get to know the current balance. If you are a member of the EPFO portal, you can log in the portal any time and access the required information. You will also get a message on your phone regarding your passbook.


👉 Different services offered by EPFO:

Employee Provident Fund Scheme, 1952

As per this scheme, any organization is having the work strength of 20 or more employees will fall in this scheme. After retirement, the employee will get the total amount. In this scheme, both the employee and the employer contribute to the scheme. The contribution is 12% of the gross monthly income that the employee gets. 

Employee Pension Scheme, 1995

As per this scheme, the contribution is made by the employer and the government and is based on the salary of the employee. The monetary benefit is delivered in the form of pension as long as the employee is alive and after his/her death, the benefit is rendered to the spouse and two children, condition being that the children should be less than 25 years of age.    

Employee Deposit Linked Insurance Scheme, 1976

This insurance plan is extended to employees covered under the Employees’ Provident Fund (EPF) and the Employees’ Pension Scheme (EPS). As per this scheme, the money will be paid to the family members of the employee or the nominee after the death of the registered employee. 

Services under EPFO Member Portal

When you become a member of the EPFO portal, then you get access to a wide array of services. This portal renders services to employers, employees, pensioners, and international workers as well.

Services for Employers

If you are an employer and a member of the EPFO portal, then you get the following services:

  • One can submit the challan and ECR
  • You can register your organization online
  • Search facility for TRRN query
  • Grievance registration process
  • UAN dashboard
  • The employer can add details about the outsource work and contractors

Services for Employees

There are two social security schemes which EPFO offers its employees. The EPFO offers three social security schemes to employees who work in the registered organizations and establishments. The employee gets the following facilities under this:

  • You get access to EPF member passbook and know the EPF member balance
  • Find out your claim status
  • Online grievance management
  • Portal for pensioners
  • Helpdesk for inoperative pensioners

EPFO’s Pensioners Portal

EPFO has a specific segment for pensioners. In this one gets access to various services like the following:

Jeevan Pramaan Enquiry

Know Your PPO Number

PPO Enquiry or Payment Enquiry

Pension Status

EPFO for International Workers

The best part about EPFO portals that it is beneficial even for the international workers. They can use this portal to check their PF status and manage the PF systematically. This is possible because of an agreement between different nations and the Government of India. This has been done so that the employee of the domestic country is not required to remit their contribution to a particular country. It helps the employees working in a foreign nation to enjoy the benefit of the totalisation period, which eventually helps in fixing the eligibility of pension. 

The EPFO provides the Certificate of Coverage to Indian employees who work in foreign nations. 

The nations which are functioning as SSA or Social Security Assistant:

One Employee - One EPF Account

There is no need to have different EPF account. You can combine all the EPF accounts. One can do this by combining their previous EPF accounts. You can achieve this by moving the funds from the previous EPF accounts to the current EPF account which is connected to the UAN or Universal Account Number. So there is no need to manage different accounts. With just one account, you can manage all your funds.

Being an EPF member enables you to transfer the funds from your previous accounts to your current account by using the one employee-one EPF account drive with your UAN. One can also transfer the fund using the Online Transfer Claim Portal (OTCP).

EPFO UAN Help Desk

EPFO renders round the clock customer support. The portal has a separate segment dedicated to customer service. The member can go to the help-desk portal and provide the details like Aadhaar number, PAN, and other details. You can use this segment to get complete assistance with almost all EPF and UAN related issues.

  EPFO Login for employers

There is a separate segment for employers to log in. It helps them transfer claims and handle all the PF-related issues using this part of the EPFO portal. The process of logging in is the same for the employers as that for the employees. Employers need to have UAN number, user ID, and password that they got at the time of activation of the account.

What are the different features offered by the EPFO portal to the employers?

The employers can make use of this portal for the following:

Making ECR challan payment

EPF claims to handle

Creating EPF account employee

Approving EPF claims by the employees.

Now that you know how to login the account, the next important question that arises is how do I check the EPF balance? Well, digitalization has made it easy for the employees to check their EPF status online without waiting for the entire year for the receipt. Every month, the employer transfers the amount to your EPF account.

You can keep a check on this by accessing your EPF passbook online. This passbook showcases the total amount in the EPF account along with details like a monthly contribution by the employer. Some amount is deposited in the Employees’ Pension Scheme which reflects separately in the EPS column.


👉 What is UAN, and what is its significance?

UAN or Universal Account Number is a 12-digit number provided by the EPFO. With the help of UAN, the user can manage the PF account and other work. With the help of this number, you can manage all the aspects related to Provident Fund. The Ministry of Employment and Labour provides this number.  

How did UAN come into existence?

Unlike today, earlier when a person used to join any company, then he was designated a new PF account number. Thus, it became difficult to keep track of all the activities, to reduce this confusion and complexity, UAN came into the picture. With the help of this number, it becomes easy to assemble all the information related to PF accounts of different companies to be managed at one place. Besides, it also becomes easy to transfer the funds.

As we now know the significance of UAN and how vital it is for an employee, here we will be unfolding details related to registering for UAN. The process of registration is very simple and involves the following steps: 

  • You need to visit the EPF Member Portal
  • On this portal, you are required to activate the UAN by clicking on the Activate UAN option.
  • After that, you will be required to provide information about UAN, mobile number, email ID, PAN card, Aadhaar card, dob. 
  • Now you need to click on the Get Authorization PIN; the PIN will be sent to your registered mobile number. Hence you are required to have the registered mobile number handy with you. 
  • Now enter the PIN and verify the request
  • Herein you need to create User ID and Password

The EPF Member Portal

Once you have created the login ID and password, you need to log in the portal using the same; the portal gives you access to the following facilities: 

  • Download UAN card and passbook
  • View member’s ID 
  • Check the status whether or not the new PF account has been linked
  • Status of transferred claim
  • File claim or complaint
  • Editing email id and phone number
  • Helpdesk information
  • Updating of KYC information.

 👉 How can you get a loan from your EPFO account?

EPF loan is not a loan in the strict sense of the term. It’s actually an advance which can be availed by an employee in some specific situations only. But, the good thing is that you do not need to wait till your retirement to get the money. You can get it even when you are in the job with your present employer. The amount you can get here depends on the purpose you need the money for and also on the time period you are on the job.

As for the documentation criteria, you need to submit the EPF Advance Form (also called the Form 31) to the EPFO through your employer. If you need the EPF advance for your marriage, the marriage invitation card is required to be submitted with the application. You need to write your salary, PF account number and the bank account details in the Form 31. EPFO will pocess your claims and upon approval, the advance will be credited directly to your account.

Afinoz also facilitates fast and easy disbursal of personal loans, directly into your account.

To know more, you can call at the 24*7 helpline of Afinoz.com at 0120-411-0376 or visit the personal loan web page of Afinoz. With the accurate tool of online personal loan EMI calculator at Afinoz, you can decide on the perfect personal loan for you, as per your affordability.

👉 Situations against which you can get a loan against your PF

EPFO has implemented certain rules to discourage premature withdrawal of money accumulated in the provident fund. Listed below are the situations when you can get a loan against your PF account-

  • Education- You can avail a loan against your EPF if you need to pay the education fees for yourself/son/daughter/brother/sister. You can get an amount up to 50% of your (employee) share plus the interest accumulated at the time of submitting your application.

        Please note that you should meet the following conditions-

  1. You must have a minimum membership period of 7 years
  2. You need to submit a certificate mentioning the course to study and the estimated course fees
  3. You can make only up to 3 withdrawals in your lifetime. 
  • Marriage - You can avail a loan against your EPF to meet the marriages expenses for yourself/son/daughter/brother/sister. You can get an amount up to 50 % of your (employee) share plus the interest accumulated at the time of submitting your application.

    Please note that you should meet the following conditions-

  1. You must have a minimum membership period of 7 years
  2. You need to submit a marriage invitation card
  3. You can make only up to 3 withdrawals in your lifetime. 
  • Home loan repayment - You can avail a loan against your EPF to pay off your home loan balance. You can get an amount up to your total principal outstanding plus interest or  your basic salary for 36 months plus the dearness allowance or the total of the employer’s and employee’s contribution to the EPF- whichever is lower.

       Please note that you should meet the following conditions-

  1. You must have a minimum membership period of 10 years
  2. The home loan must be availed from a nationalized bank / registered co-operative society.
  3. You need to submit a certificate from your lender mentioning the breakup of your principal outstanding and interest amount
  4. You can make only 1 withdrawal in your lifetime. 
  • Medical Expense - You can avail a loan against your EPF for medical treatment of  self/son/daughter/spouse/dependent father or mother. You can get an amount up to  your basic salary for 6 months plus the dearness allowance or your (employee) contribution to the EPF plus the interest- whichever is lower.

       Please note that you should meet the following conditions-

  1. You need to submit a certificate from a doctor stating the exact medical condition of the patient
  2. You can make only 1 withdrawal in your lifetime. 
  • In case you are a victim of a natural calamity- In case you have incurred a huge loss due to a natural calamity, you are allowed to withdraw from your provident fund. You can get an amount up to   50 % of your share (employee share).

      Please note that you should meet the following conditions-

  1. You need to submit a certificate of damage from the concerned authority
  2. No minimum service completion criteria needs to be fulfilled
  • Purchasing of a plot of land or a housed property - You can avail a loan against your EPF for  purchasing a house or a plot of land. You can get an amount up to  your basic salary for 36 months plus the dearness allowance or  the total of the employer’s and employee’s contribution to the EPF or the total value of the house/plot under consideration- whichever is lower.

     Please note that you should meet the following conditions-

  1. You must have a minimum membership period of 5 years
  2. You can make only 1 withdrawal in your lifetime. 
  3. The loan against EPF should be your last resort  of availing funds
  • Home renovation - You can avail a loan against your EPF for renovating your home. You can get an amount up to  12 times your basic salary .

     Please note that you should meet the following conditions-

  1. The housed property should be more than 5 years old.
  2. The property should be owned by you alone or jointly with your spouse
  • Company lockout- In case your company is closed for a minimum 15 days or you have not been able to pay wages for 2 months at least or it is locked out- you can avail an EPF loan. The maximum loan amount will be equal to your total unpaid wages, provided you have balance of the employee contribution in your PF account. In case your company is under lockout for over 6 months, you can utilize the fund against employer’s contribution as well.

If you opt for a personal loan, you can use the funds pretty much for any purpose you have. No questions will be asked at all by your lender. You can  avail the best personal loans through the efficient online platform of Afinoz.com.  

Well, it’s really worthwhile to accumulate wealth in your EPF account. You will get the money when you retire and can enjoy your retirement to the fullest. But what if you require money right now to address some exigency or to acquire something really important in life?

 You can take a personal loan, and if you like, you can even take a loan from your EPF account, which we will discuss here.

👉 What are EPF loans?

As you are aware of, both the employer and the employee make their contributions (equal to 12 % of the basic salary of the employee ) to the EPF  account in the name of the employee . EPFO (Employees’ Provident Fund Organisation) pays interest on the amount accumulated. As per the EPFO rules, an employee can make partial withdrawal from his PF account . He can use the money as a personal loan to address emergent situations. But, the employee should duly apply to avail an EPF loan. The EPFO will verify his credentials before granting the loan from his EPF account.

👉 How can you get a loan from your EPFO account?

EPF loan is not a loan in the strict sense of the term. It’s actually an advance which can be availed by an employee in some specific situations only. But, the good thing is that you do not need to wait till your retirement to get the money. You can get it even when you are in the job  with your present employer. The amount you can get here depends on the purpose you need the money for and also on the time period you are on the job.

As for the documentation criteria, you need to submit the EPF Advance Form (also called the Form 31) to the EPFO through your employer. If you need the EPF advance for your marriage, the marriage invitation card is required to be submitted with the application. You need to write your salary, PF account number and the bank account details in the Form 31. Your claims will be processed by the EPFO and upon approval, the advance  will be credited directly to your account.

Afinoz also facilitates fast and easy disbursal of personal loans, directly into your account. To know more, you can call at the 24*7 helpline of Afinoz.com at 0120-411-0376.

EPF Forms

For your convenience, here, we are providing the list of EPF Forms along with the download links -

EPF Form Use of the EPF Form Download
Form 31 EPF Withdrawal
Form 14 Buying LIC Policy
Form 10D For claiming monthly pension
Form 10C For claiming withdrawal benefits/scheme certificate of EPS
Form 11 EPF Account Transfer
Form 19 Final Employees’ Provident Fund Settlement
Form 20 EPF Final settlement in case of death of the employee
Form 2 Declaration and nomination form for EPF & EPS
Form 5 IF Claim as per EDLI scheme
Form 15G To save TDS on the interest income on EPF
Form 5 New employees registering for EPF and EPS
Form 11 Auto transfer of EPF

 

FAQs

1.    Is UAN necessary to check the EPF balance?

Yes, having UAN is a must to check the EPF balance. You will be required to provide the UAN for processing.

2.    Is PF number required to check the EPF balance?

No, you would not need this. All you need is UAN and password to check the balance.

3.    Can I check the balance using PAN?

Well, PAN is not required to check the balance, but you must link the UAN with PAN to avoid tax deduction in case you wish to withdraw PF.

4.    If I don’t have my registered mobile number with me, can I check the EPF balance?

The first criteria to check the EPF balance is that you must have an active EPF membership. Secondly, you must have a registered mobile number with you. This is important because all the information related to your EPF account will be sent to this number.

5.    Can I check my previous account EPF balance?

EPFO has created one employee one EPF system which lets you link the previous EPF account with the current one, and all this information is accessible on your EPF account. Once you login to the portal, you can choose the Member ID of the company for which you want to check the EPF, and you will have the information displayed in front of you.

Alerts -

  • EPFO never asks you to share your personal details like PAN/UAN/AADHAR/BANK DETAILS over the phone.
  • In any circumstances, EPFO never calls any member/subscriber to deposit any amount in the bank.
  • Hope you don’t reply to such fake calls.

For your convenience, we would like to tell you the timings of EPF Office also

  • Days – Monday to Friday
  • PF Office Timings – 9: 15 a.m. to 05: 45 p.m. (Lunch Time between 1 to 2 p.m.)
  • Contact Number (Noida): 0120-2412600
  • Fax: 0120-2412601
  • Noida Address – Bhavishya Nidhi Bhawan, A-2C, Tulsi Marg, Sector 24

Read More: