EPFO Login - Employee & Employer Login

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.

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: Visit the UAN Member e-Sewa portal and log in using your UAN and password.

• Step 2: Next, you need to ensure your KYC details (Aadhaar, PAN, bank details) are verified under the "Manage" tab.

• Step 3: Navigate to "Online Services" and select "Claim (Form 31, 19, 10C, 10D)."

Choose the appropriate reason for your withdrawal from the available options.

• Step 4: Provide your bank account details and select the relevant form based on your withdrawal type.

• Step 5: An OTP will be sent to your registered mobile number for verification.
• Step 6: Review all the information and submit the form.

Withdrawal Forms

Each type of withdrawal requires a specific form:

• Form 19: For complete withdrawal upon retirement or leaving service.
• Form 31: For partial withdrawal or advances.
• Form 10C: For withdrawal benefits/scheme certificate from EPS (Employees' Pension Scheme) for members who have not completed 10 years of service.
• Form 10D: For claiming monthly pension benefits after retirement with at least 10 years of service.
• Form 20: For the nominee or legal heir to claim benefits in the event of the member's death.
• Form 5(IF): For claiming insurance benefits under EDLI in case of death during service.

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.

• 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.

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.

How to Get Your UAN?

If you are a first-time employee, your employer will generate your UAN and inform you. You can also find your UAN on your salary slip.

If you are already an EPF member but do not know your UAN, you can obtain it online:

• Step 1: Go to the official EPFO UAN portal.
• Step 2: Scroll below the homepage and click on the "Know your UAN" link.

• Step 4: On the new window, enter your registered mobile number and the captcha code.
• Step 5: Click on "Request OTP."

• Step 6: Enter the OTP received on your mobile and your other details and validate the OTP.
• Step 7: A new window opens, which will ask your name, DOB, Aadhaar number, and lastly you will need to enter the captcha.
• Step 8: After clicking on Show my UAN, your UAN will be displayed on the screen.

UAN Activation Process

• Step 1: Visit the EPF Member Portal: Go to the official EPFO member portal.
• Step 2: Click on 'Activate UAN': Locate and click on the "Activate UAN" link under the "Important Links" section.

• Step 3: Enter Required Details: Fill in your UAN, registered mobile number, Aadhaar number, name, date of birth, and the captcha code.
• Step 4: Get Authorization PIN: Click on "Get Authorization PIN." You will receive an OTP on your registered mobile number.
• Step 5: Lastly, click on "I Agree" and enter the OTP. Finally, click on "Validate OTP and Activate UAN" to complete the activation process.

UAN Login Process

• Step 1: Visit the EPF Member Portal: Access the official EPFO website.
• Step 2: Locate the Login Section: Find the login section in the top-right corner of the homepage.

• Step 3: Enter Credentials: Enter your UAN, password, and the captcha code.
• Step 4: Sign In: Click on "Sign In" to access your UAN portal.

Reset Your UAN Password

If you have forgotten your UAN password, the EPFO portal allows you to reset it easily through a secure process:

• Step 1: Visit the UAN Portal: Go to the EPFO member portal:
• Step 2: Click on "Forgot Password": Locate and click on the "Forgot Password" link, found below the login button.

• Step 3: Enter UAN and Captcha: Enter your 12-digit UAN and the captcha code displayed on the screen. Then click on "Submit."
• Step 3: Enter your name, gender, and date of birth per your EPFO records. Click on "Verify."
• Step 4: Verify Aadhaar: Enter your Aadhaar number and captcha code, then click "Verify."

• Step 5: Enter the mobile number linked to your Aadhaar and click on "Get OTP." An OTP will be sent to your mobile number.
• Step 6: Enter the OTP received on your mobile and click on "Verify."
• Step 7: Set New Password: You will be redirected to a page where you can create a new password. Enter your new password twice to confirm it.
• Step 8: Click on "Submit" to complete the password reset process.

UAN Portal Overview

Once logged in, the UAN portal offers a wide range of services:

• View:
  • EPF Overview: Get detailed information about your EPF accounts.
  • Profile (Personal Information): View and update your details.
  • Service History: Track your employment history and linked PF account numbers.
  • UAN Card: View and download your UAN card.
• Manage:
  • Contact Details: Change your registered mobile number and email ID.
  • KYC: Update your KYC details (bank, PAN, Aadhaar, passport).
  • E-Nomination: Add or modify nominees for your PF account.
• Online Services:
  • Claim (Form 31, 19, 10C & 10D): Apply for partial or full withdrawal of your PF.
  • One Member - One EPF Account: Transfer your PF balance from an old account to the current one.
  • Track Claim Status: Check the status of your submitted claims.
  • Download Annexure K: Required for PF transfer from an exempted to an unexempted establishment.

Helpline

For queries related to the UAN Member Portal, you may contact: