EPFO

Employee Provident Fund Organisation

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The abbreviation of EPFO is Employees Provident Fund Organization and was established by the Government of India in the year 1952 to maintain the Provident fund of the employees working in both the public and private sectors. EPFO is operational in providing the Employees Provident Fund scheme, Employees Insurance Scheme, and the Employees Pension Scheme for the employees who are working in organized sectors.

EPFO Schemes:

  • Employees Provident Fund scheme
  • Employees Insurance Scheme
  • Employees Pension Scheme

Employees Provident Fund scheme:

The Employees Provident Fund scheme was started in the year 1952, to maintain the Employees Provident Fund across the country. Irrespective of States and Union Territories, in almost all the Public and private sectors, EPF is compulsory for the employees with a monthly salary of Rs 15000/-.

Employees Insurance Scheme:

The insurance scheme was started in the year 1976. The Employees Insurance Scheme was introduced to offer insurance for the employees with EPF accounts.

Employees Pension Scheme:

The Employees Family Pension Scheme was started in the year 1971 and Later the family pension scheme was replaced by the Employees Pension Scheme in the year 1995.

EPFO Head Quarters:

The EPFO headquarters is in New Delhi, and the head of the EPFO organization is Central Provident Commissioner. Apart from the head office, there are 21 Zonal Offices across the country and there are a number of Regional Offices, Divisional Offices, and sub-divisional offices in each and every State and Union Territory of India.

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EPFO Portal Login                           EPFO Online Transfer

UAN Balance Check by SMS         UAN Registration        Apply PRAN Card Online

EPF Online Services:

The Government of India through the Ministry of Labour and Employment launched an official portal for EPFO to offer the online services to the employers and the employees who are having EPF accounts across the country. For the first time it was in the year 2013, the Ministry of Labour and Employment through EPFO portal enabled online services such as:

  • EPF Member Portal
  • EPF Balance through UAN
  • EPF Balance through Mobile
  • EPF Claim Status
  • Download EPF Passbook

Employee Provident Fund:

In the year 1952, the Government of India established Employees Provident Fund, according to the act, the organizations with a minimum of 20 employees and less than will come under the EPF scheme. According to this act both the employees and the employer must contribute to the employee epf account on a monthly basis until the retirement of the employee. The amount contributed by the employee and the employer can be claimed by the employee with interest during his/ her retirement for full withdrawal and for partial withdrawal of PF depending on the EPF account holders requirement.

EPFO Member:

An Employee with an EPF account is called an EPFO member, EPFO member can avail all the benefits, services provided by the EPFO. To avail of all the online services and the benefits provided by the Government, EPFO member must have a UAN number.

EPFO Member Passbook:

EPF account holder with UAN number are eligible to have an EPFO member passbook, member passbook is an online and offline service that can be availed by the EPF account holders across the country. PF account holders with UAN can check the EPF member passbook online by using the UAN number. To avail the EPFO member passbook services one must be registered under the UAN member portal i.e. Unified Member Portal. After getting registered under the UAN portal, one can axis their EPFO member passbook after 6 hours.

EPFO Balance:

EPFO balance is the total amount which is present in the EPF account holder, earlier to check the EPFO balance, pf account holder used to visit the nearest regional EPFO office in person, and used to be in the queue. But now, the Government of India started issuing UAN number, which is a unique number issued to the pf account holder, by using that UAN number, EPF account holder can register under the UAN member portal and can avail all the online services such as EPFO member passbook, EPFO balance, EPFO claim, EPFO claim status, etc.

EPFO Claim:

As I said earlier, the provident fund can be claimed by the employee both partially and fully, i.e. the employee will have the full rights on when to claim the provident fund. But there are some acts and rules to claim the EPF so, depending on the contribution period, the employee can decide when to apply for the partial claim and complete claim. EPFO claim is nothing but PF claim, that can be applied by the pf account holder. If the EPF account holder has UAN number then it can be done via online by visiting the UAN member portal.

EPFO Claim Status:

The Employees Provident fund organization, through the UAN member portal, enables the EPFO members to check the EPFO claim status online. i.e. pf account holders with UAN number and those who are registered under the UAN member portal by using their user id and password can track the claim status online. If you are not registered yet, you can register to the member portal by using your UAN number. The EPFO members registered under the UAN member portal can avail member e-sewa portal, EPF, Grievance Management system, and EPFO.

EPFO UAN:

The abbreviation of UAN is Universal Account number and it is a 12 digit number issued by an employer to the employee and then approved by the EPFO. UAN is a unique number that links the multiple EPF accounts of an employee. UAN is one place where the employee can bring all his/her bank accounts under one roof. Apart from that, EPFO UAN enables the EPF account holder to axis the official web portal to avail all the online services such as checking the EPF balance through an updated e-Passbook, EPF account details, EPFO updates, Eligibility for claiming & monthly deposits etc.

EPFO passbook Registration & Activation:

In the EPFO home page, from the main menu select the EPF passbook option, Unified Member portal EPF Passbook window will be displayed where you need to select the Unified member portal registration option. Upon selecting the option, EPF passbook registration window with online registration form will be displayed, complete the form and click the submit button to confirm your registration. After the registration, you can activate the EPF passbook by signing into the Unified Member portal. Generally, It will take 6 hours to activate the EPF passbook online.

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EPF e Passbook         EPF Contribution Rules

EPF Office Addresses                    EPF Withdrawal for Repaying Home Loan

UAN – Universal Account Number:

Before the introduction of the UAN, PF account holders would have different PF accounts. when the employee changes from one company to another then the employee used to take a new EPF account with the new establishment it was continued till the year 2013. But in the year 2014 the Government of India launched a unique solution for this confusion which is called UAN – Universal Account Number.

UAN Services:

  • UAN Registration
    • UAN Login
    • UAN Status
    • KYC Update
    • PF Transfer
    • PF Balance

What is UAN?

The abbreviation of UAN is Universal Account number and it is a 12 digit number issued by an employer to the employee and then approved by the EPFO. UAN is a unique number that links the multiple EPF accounts of an employee. The Government of India started giving UAN- Universal Account Number from the year 2014 to the existing EPF account holders & the new EPF account holders. By using the UAN, EPF account holder can log in to the EPFO portal. The UAN of an employee enables the employee to link multiple accounts allotted to a single member. UAN enables the EPF account holders to check the EPF balance through an e-Passbook, EPF account details, EPFO updates, Eligibility for claiming EPF etc.

UAN registration:

Employees after collecting the UAN form the employer, can activate the UAN by visiting the EPFO portal. The UAN activation process needs a Bank account number, Aadhar Card & PAN Card.

Eligibility Criteria for UAN:

  • EPF members who have paid at least one contribution on or before January 2014
  • EPF members who have not paid at least one contribution on or before January 2014
  • Indian Citizen

Documents Required for UAN Registration & Activation:

  • Bank Account
  • Aadhar Card
  • PAN Card

How to Apply for UAN Registration Online EPFO?

  • Apply for your UAN from your current employer or current working place
  • After getting the UAN number from the employer
  • Visit the UAN members e-Sewa portal
  • For UAN registration one has to provide the KYC details.
  • Enter your KYC (Know Your Customer) details.
  • Enter your Aadhar number.
  • Enter your PAN Number
  • Enter your Bank Account number.
  • Now enter the previous EPF account numbers.
  • Click the submit button to get registered.

UAN Registration online – https://www.epfindia.gov.in

How to Activate UAN Online EPFO?

  • Apply for your UAN from your current employer or current working place
  • After getting the UAN number from the employer
  • Go to the UAN members e-Sewa portal
  • For UAN registration one has to provide the KYC details.
  • Enter your KYC (Know Your Customer) details.
  • Enter your Aadhar number.
  • Enter your PAN Number
  • Enter your Bank Account number.
  • Now enter the previous EPF account numbers.
  • Click the submit button to activate your UAN number.

UAN Activation online – https://www.epfindia.gov.in

PF Claim Status Check        Online PF Withdrawal       PF EDLI Benefits

PF Claim Form                      PF Benefits                          PF Withdrawal Online Process

PF Rules                                 PF Interest Calculator       PF Withdrawal Rules

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PF Claim:

An EPF account holder can claim the PF during the unemployment or after retirement. There are two ways to claim the pf one is, in person by visiting the EPF office and the other one is online via EPFO website. At the time of retirement, EPFO allows the employee to claim the complete pf funds as well as at the time of unemployment, pf account holder can claim 75% after the first month of unemployment and can claim the remaining 25% after the two months. For applying the PF claim in person, epf member must visit a pf office, and fill a pf claim form. In online mode, pf member has to fill an online application form for claiming the PF.

When to Claim PF?

There is two types of claims, they are partial withdrawal and complete withdrawal. In the complete withdrawal process, pf account holder can apply at the time of retirement or at the time of jobless for more than 2 months’ time. PF account holder can apply for claiming the Partial withdrawal in the following situations:

  • Medical Treatment
  • Purchase of Land
  • House Construction
  • House Renovation
  • Home Loan Repayment
  • Wedding
  • Education

PF Claim For Medical Treatment:

Epf account holder can apply for the partial pf claim for medical purposes at any time and that claim can be for self, spouse, children, and parents.

PF Claim for Purchasing Land:

Epf account holder can apply for claiming pf while buying a plot or land, and it is a partial claim and the eligibility applying for it is a minimum of 5 years service, the plot or land or house must be under the name of the pf account holder or spouse. The partial pf claim limit is 24 times of monthly basic and DA – Dearness Allowance.

PF Claim for House Construction:

Epf account holder can apply for claiming pf while buying a house or a flat, and it is a partial claim and the eligibility applying for it is a minimum of 5 years service, the plot or land or house must be under the name of the pf account holder or spouse. The partial pf claim limit is 36 times of monthly basic and DA – Dearness Allowance.

PF Claim for Renovation of House:

The employee can apply for the partial claim of pf funds for the renovation of a house or flat. This can be applied two times, first one is 5 years after the construction and the second one after ten years. The PF claim limit is either employers’ total contribution and interest or up to 12 times the monthly basic salary. EPF account holder can withdraw the pf funds in this scenario if the house or flat is registered under the name of the employee or spouse or joint registration on both of them. 

PF Claim for Education:

PF account holder can withdraw pf funds partially for educational purposes and the claim may be for self-education or spouse education or children’s educational purposes. The eligibility applying for it is a minimum of 7 years of service. An Employee can withdraw up to 50% of the employee’s contribution from the total pf funds for education.

PF Claim for Marriage:

Pf account holder can apply for claim partially for marriage purposes and the claim may be for self-marriage or sister or brother’s marriage or children marriage purposes. The eligibility applying for the withdrawal is a minimum of 7 years of service. An Employee can withdraw up to 50% of the employee’s contribution from the total pf funds for marriage.

PF Claim for House Loan Repayment:

The EPFO member can apply for the partial withdrawal of pf funds for the home loan repayment of the house or flat. To apply for the pf withdrawal under this circumstance, an employee will be eligible if the employee service is a minimum of 10 years. Coming to the withdrawal limit, it can be up to 36 times basic salary + DA or the total amount of both employers & employee contribution + interest or the total outstanding amount on the house loan, but the one which is lower is applicable from both of them. EPF account holder can withdraw the pf funds in this scenario if the house or flat is registered under the name of the employee or spouse or joint registration on both of them. 

PF Claim Before Retirement:

The employee can apply for the withdrawal of up to 90% of pf total funds exactly one year before retirement. In this scenario, employees can withdraw up to 90% of the total amount that includes both the balance and the interest to be paid.

How to Claim PF?

Mainly, there are two ways to apply for the pf claim, they are online and offline, in the offline mode, one should submit the PF claim form in person at the PF office. In the online mode, one should visit the EPFO official portal and fill an online application form.

How to Check PF Claim Status Online, How to Apply for EPF Withdrawal Online Explained

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EPFO Forms:

Mainly, there are 3 different types of EPF forms provided by the Indian EPFO, they are:

  • EPF Claim Forms
    • EPF Return Forms
    • EPF Registration Forms

EPF Claim Forms:

EPF Claim form is applicable for EPF final claiming, EPF Partial Withdrawal, and EPS withdrawal. These Claim forms are again classified into the following types:

  • Composite Claim Form for Aadhar cardholders.
  • Composite Claim Form for Non-Aadhar Card.
  • Composite Claim Form in Death Cases.
  • Employees Pension Scheme Forms.
  • Employees Provident funds Scheme Forms.
  • General Forms.

RETURN FORMS for Exempted Establishments:

 FORM 3 (PS):

FORM 3 is consolidated return given by the employees who are entitled to become the members of the pension fund within the 15 days of coverage

FORM F1:

FORM F1 is consolidated return given by the employees who are entitled to become the members of the Insurance fund within the 15 days of coverage

FORM F5 (PS):

Form F5 is consolidated return to be given by the employees who are leaving the services

FORM F5 – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form5PS.pdf

FORM F2 (IF):

Form F2 is consolidated return to be given by the employees who are entitled to the membership of the Insurance Fund

FORM F3 (IF):

Form F3 is consolidated return to be given by the employees who are entitled to the membership of the Insurance Fund while leaving the services

FORM F7 (PS):

An Employer can show the month-wise recoveries in respect of one PF member for the current financial by using the Form F7

FORM F7 (PS) – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form7PS.pdf

FORM F8 (PS):

An Employer can submit a consolidated Annual contribution Statement by using the Form 8

FORM F4 (IS):

An Employer can submit the consolidated Annual contribution Statement towards insurance fund

FORM – F9:

Can be used for the declaration given by the employee during the time of his/her employment in which the employees’ pension scheme is in force.

RETURN FORMS for UN-Exempted Establishments:

FORM-1(Revised):

Form-1 is applicable for the EPF account holders for giving the details of the family members & it is used to for releasing PF dues to the Nominees

FORM-9(Revised):

Form-9 is a consolidated return of employees who are entitled to the Provident Fund & Pension Fund

FORM-9 – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form9.pdf

FORM 5A:

Form 5A is applicable for the employers who intend to return their ownership and it should be submitted to Regional Commissioner

FORM 5A – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form5A.pdf

FORM 12 A:

Form 12 A is a consolidated statement of dues and remittance

FORM 12A – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form12A.pdf

FORM 5:

FORM 5 – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form5.pdf

FORM 10:

EPF account holders can file the EPF returns while leaving the service

FORM 10 – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form10.pdf

FORM 3A:

Form 3A is applicable for the employer to submit the monthly recoveries of Employees Provident Fund and Employees Pension Scheme

FORM 3A – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form3A.pdf

FORM 6A:

Form 6A is applicable for the employer to submit the consolidated annual contribution of each EPF member of the company

FORM 6A – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form6A.pdf

FORM 11:

FORM 11 can be used to give the declaration by the employee during the time of employment in any company in which EPF scheme is applicable

FORM 11 – http://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form11Revised.pdf

EPF Registration Form-FORM 11-:

EPF Registration Form/ FORM 11 is applicable for the new employees who are taking employment, during the time of their employment they should give a declaration by using FORM11.

Live Certificate for EPF:

Live Certificate must be submitted at the EPF office in the month of November by all the Pension beneficiaries including children. Pension beneficiaries can get the Life certificate from the bank where the pension is disbursed or they can get it at the EPF office.

Non-Re- Marriage Certificate for EPF:

Non –re-marriage certificate is required by the widowed pensioner at the time commencing of pension. This certificate should be submitted only by the widowed pensioner at the time of the commencement of the pension.

EPFO Home:

The Government of India introduced the EPFO portal in the year 2013, for providing online services to all the EPF account holders across the country, and the main page of the EPFO portal is EPFO home, where you can find the online services provided by the Employees Provident Fund Organization.

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EPFO UP                                  EPFO MP                               EPFO AP            

EPFO Delhi                             EPFO Maharashtra            EPFO Bihar

EPFO Tamil Nadu                 EPFO  Karnataka                EPFO Telangana

EPFO Kerala                           EPFO Odisha                        EPFO West Bengal

EPFO Chhattisgarh              EPFO Jharkhand                 EPFO Rajasthan

EPFO Haryana                      EPFO Punjab                        EPFO Jammu & Kashmir

EPFO Assam                          EPFO Chandigarh               EPFO Puducherry

EPFO Mizoram                     EPFO Tripura                       EPFO Arunachal Pradesh

EPFO Meghalaya                 EPFO Sikkim                         EPFO Himachal Pradesh

EPFO Manipur                     EPFO Gujarat                        EPFO Uttarakhand

EPFO Nagaland                   EPFO Goa