Procedure to EPF Passbook login


To access your EPF (Employee Provident Fund) passbook, follow these steps:

  1. Visit the EPFO Member Portal: Go to the EPFO’s Unified Member Portal at
  2. Log in with UAN and Password: On the member portal homepage, you will find the login section. Enter your UAN (Universal Account Number) and password in the provided fields.
  3. Captcha Verification: Complete the captcha verification by entering the characters shown in the image.
  4. Click on “Sign In”: After entering the required information, click on the “Sign In” button to log in to your EPF account.
  5. View Passbook: Once you log in successfully, you will be taken to your EPF account dashboard. Look for the “View Passbook” option on the dashboard and click on it.
  6. Select the Member ID: If you have worked in multiple organizations and have multiple Member IDs associated with your UAN, you will see a drop-down menu to select the specific Member ID (i.e., the organization you want to view the passbook for).
  7. View the Passbook: After selecting the Member ID, you will be able to view and download your EPF passbook. The passbook will contain details of your PF contributions, withdrawals, and any interest earned over time.

Please note that you must have an activated UAN and a registered password to access your EPF passbook online. If you haven’t activated your UAN yet or forgotten your password, you can use the respective links on the portal to activate or reset your password.

Also, the passbook on the EPFO portal is usually updated on a yearly basis. So, if there have been recent contributions or withdrawals, it may take some time for them to reflect in the passbook.

Steps to Check pf balance with uan number


To check your PF (Employee Provident Fund) balance using your UAN (Universal Account Number), you can follow these steps:

  1. Ensure UAN Activation: Make sure your UAN is activated. If you haven’t activated it yet, you can do so through the EPFO (Employees’ Provident Fund Organisation) portal or via the UAN member portal.
  2. Visit the EPFO Member Portal: Go to the EPFO’s Unified Member Portal at
  3. Log in with UAN and Password: Log in to the member portal using your UAN and password. If you haven’t set a password, you can create one through the “Forgot Password” link.
  4. Check PF Balance: After logging in, you will be able to see your PF balance on the homepage under the “View” section. Click on “Passbook” to view the balance and other transaction details.
  5. View Passbook: You will be redirected to a new page where you can view your passbook statement. The passbook will show your PF balance, contributions, withdrawals, and any interest earned.

Please note that the EPFO updates the PF passbook on a regular basis, usually once a year. So, if there have been recent contributions or withdrawals, it may take some time for them to reflect in the passbook.

Alternatively, you can also check your PF balance by sending an SMS from your registered mobile number in the following format: EPFOHO UAN <Your 22-digit UAN> to 7738299899. This service is available in multiple languages.

Remember that the UAN is linked to your PF account, and you can use it to access various PF-related services and information easily.

STEPS to withdraw PF online with UAN NUMBER


To withdraw your Employee Provident Fund (EPF) online using the Universal Account Number (UAN), you can follow these steps:

  1. Ensure UAN Activation: Make sure that your UAN is activated. If you haven’t activated it yet, you can do so through the EPFO (Employees’ Provident Fund Organisation) portal or via the UAN member portal.
  2. Log in to the Member Portal: Visit the EPFO’s Unified Member Portal at
  3. Enter UAN and Password: Log in to the member portal using your UAN and password. If you haven’t set a password, you can create one through the “Forgot Password” link.
  4. Verify KYC Details: Ensure that your Know Your Customer (KYC) details such as Aadhaar, bank account, and PAN are updated and verified. This step is essential for a seamless withdrawal process.
  5. Check Eligibility: Check your eligibility for online withdrawal. EPFO allows partial withdrawals for specific reasons like medical emergencies, marriage, education, house purchase, etc., and complete withdrawal upon retirement or after remaining unemployed for more than two months.
  6. Go to ‘Claim’ Section: Once logged in, click on the ‘Online Services’ tab in the main menu and select ‘Claim (Form-31, 19, 10C & 10D)’ from the drop-down menu.
  7. Complete the Form: A new page will open with the claim form. You need to fill in the necessary details such as the purpose of withdrawal, the amount required, and your bank account details. Upload any supporting documents required for the specific withdrawal reason.
  8. Authenticate with OTP: After filling out the form, click on the ‘Verify’ button. You will receive an OTP (One-Time Password) on your registered mobile number. Enter the OTP to authenticate the claim submission.
  9. Submit the Claim: Once the OTP is verified, click on the ‘Submit’ button to initiate the claim request.
  10. Track the Status: You can track the status of your withdrawal request online through the member portal. Once the claim is processed, the amount will be credited to the bank account linked to your UAN.

Please note that while the online withdrawal process is convenient and straightforward, it is essential to provide accurate information and follow the guidelines provided by EPFO to ensure a smooth withdrawal process.

Philippines 2022 General Elections – Important Dates, Candidates & News


The 2022 Philippines general elections will be conducted on 9 th May 2022, the Philippine
presidential & vice-presidential elections will be held as part of the general elections on the same
day. The 2022 general elections of Philippines will be the 17 th direct presidential elections & the
16 th vice-presidential elections in the Philippines. The elections will decide the candidates who
will occupy the offices of the President & Vice-President of Philippines for the next 6 years. The
leading candidates in the run for the president’s office are Ferdinand Marcos Jr. & current Vice-
President Leni Robredo.

Philippines 2022 General Elections – Important Dates, Candidates &amp; News

Along with the elections to decide the next President & Vice-President, as part of the general
elections, elections will also be held to decide the 12 seats to the Senate, 316 seats of the House
of Representatives, 81 governors & vice-governors, 782 seats in provincial boards, 146 city
mayors & vice-mayors, 1,650 seats of all city councils, 1,488 municipal mayors & vice-mayors
and 11,908 seats of municipal councils of all municipalities. The 2022 Philippine general
election will take place on May 9, 2022, for executive and legislative branches of the
government – national, provincial, and local officials with the exception of barangay officials.
According to the 1987 Philippine Constitution, each president is limited to serve only a single-
term of 6 years as the president, anyone who has already served as the President of Philippines is
ineligible for re-election. As the positions of the president & vice-president are elected as
separate positions, the winning candidates may not necessarily belong to the same party. The
2022 presidential elections in Philippines is the first presidential elections in which all the
candidates running for president were born after the end of World War II.
The opinion polls for the 2022 Philippines Presidential Elections put Ferdinand Marcos Jr. of
PFP (Federal Party of the Philippines) as having the upper hand ahead of the elections with an
average 52 to 59% voters in his favour. Leni Robredo, who is running as an independent
candidate is second with around 18-28% voters opining in her favour. Other candidates include
former boxing champion Manny Pacquiao and actor Isko Moreno who have 8 to 12% of votes in
their favour according to the opinion polls.
Important Dates for 2022 Philippines General & Presidential Elections
 Election Period – 9 th January 2022 to 8 th June 2022
 Start of Campaign Period for Nationally Elected Positions – 8 th February 2022
 Start of Campaign Period for Locally Elected Positions – 25 th March 2022
 End of Campaign Period for both Nationally & Locally Elected Positions – 7 th May 2022
 Voting period for Overseas Voters – 10 th April 2022 to 9 th May 2022
 Voting period for Local Absentee Voters in Philippines – 27 th April 2022 to 29 th April 2022
 Election Silence – 8 th May 2022
 Election Day/Voting for non-absentee voters of the Philippines – 9 th May 2022
 Counting period for City & Municipal Elections – 9 th May 2022 to 12 th May 2022
 Counting period for Provincial Elections & elections to decide Members of Congress – 10 th
May 2022 to 16 th May 2022
 Commencement of Office Term for Winning Candidates – 30 th June 2022

 End of Office Term for Winning Candidates of Local Offices & House Representatives – 30 th
June 2025
 End of Office Term for Winning Candidates of Presidential, Vice-Presidential & Senator
Elections – 30 th June 2028
According to the Constitution of the Philippines of 1987, the election is held every six years after
1992, on the second Monday of May. The incumbent president is term-limited. The incumbent
vice president may run for two consecutive terms. The first-past-the-post voting system is used
to determine the winner: the candidate with the highest number of votes, whether or not one has
a majority, wins the presidency. The vice-presidential election is separate, is held on the same
rules, and voters may split their ticket. If two or more candidates get the most votes for either
position, Congress shall vote from among them which shall be president or vice president, as the
case may be.
Ferdinand Marcos Jr. With experience serving as a senator, regional governor, and member of
the House of Representatives, Marcos Jr. is a well-established figure in Philippine politics.
Polling at 56 percent, Marcos Jr. has won extensive public support for several reasons. For one,
he is positioning himself as a saviour for a country battered economically by COVID-19. He is
also drawing on some degree of nostalgia for Ferdinand Marcos Sr.’s era from 1965 to 1986,
which some Filipinos see as better than the country’s current dire situation.
Leni Robredo. A former vice president, Robredo has made protecting democracy and fighting
graft the centrepieces of her campaign. She is trying to turn the public against the Marcos’s and
gain support of other small parties. Her rallies have been packed and her poll numbers have
creeped up slightly in recent months, but only to 24 percent, nowhere near Marcos Jr. Other
relatively minor candidates, such as boxing champion Manny Pacquiao and Manila Mayor
Francisco Moreno Domagoso have stayed in the race, which could draw votes from Robredo. In
2016, the unwillingness of Duterte’s major opponents to form a unified front and back one
candidate was one of the reasons he triumphed.

Farm Land with Farmhouse for Sale at Shankarpally


Farmlands provide the best value for money long-term investment for great returns in the future.
Farmlands can be used for a number of purposes & can also be converted for residential use to
increase land value even more. This project of ours is located on Shankarpally – Chevella main
road, the project is being built on top of a hillock feature and the view overlooks the whole city
of Hyderabad. The project being located in Shankarpally means there are many benefits of the
location on top of the benefits that come with buying a farm land.
All luxurious amenities as well as some amazing features are offered with the farm land +
farmhouse. Owning a farm land will help you live a more conscious life in tune with nature and
be away from noise, crowd & pollution of the city. Farm lands are all the trend in today’s real
estate market, so do not miss this exclusive offer.
GO 111 being lifted by government means high demand for farmlands in Shankarpally! Get your
farmland before prices are hiked!

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 Free fruit tree plantations – 23 mango trees of 3 different varieties, 5 Guava trees, 2 Lemon
trees and 3 Pomegranate trees.
 Attached quiet & luxurious resort.
 Option for built duct houses & guest house facility.
 Spa & other recreation activities.
 Individual swimming pools and a common large pool at the resort.
 Outdoor & Indoor seating restaurants.
 Banquet Hall & Community Center for events.
 Gym facilities, indoor games and cricket nets.
 Kids Play Area with all fun equipment.
Advantages of Project Location:
 5-Minute Drive from Shankarpally.
 5-Minute Drive from Pragathi Resorts.
 10-Minute Drive from Pragati Green Meadows.
 23Km From Famous Chilkur Balaji Temple.
 20-Minute Drive from Tellapur.
 25 Km from IIT Hyderabad.
 30-minutes From Gachibowli.
 Located at HMDA Residential Zone.

Telangana Govt. Issues GO 69 to Remove GO 111 Restrictions


The state government of Telangana issued a government order GO Ms No. 69 on 20 th April 2022
which will remove some restrictions that were imposed under GO Ms No. 111 which was issued
on 8 th March 1996. GO 111 was issued to protect the catchment areas of twin lakes Osman Sagar
& Himayat Sagar reservoirs which were one of the primary sources of drinking water for the city
of Hyderabad.
GO 69 stated that considering the fact that the drinking water supply for Hyderabad is no longer
dependent on water from Osman Sagar & Himayat Sagar, the state govt. has decided to lift the
restrictions imposed under paragraph 3 of GO 111, subject to the condition that the water quality
of these 2 lake reservoirs is not impacted in any way & all efforts be initiated to improve their
water quality. The efforts to improve water quality of the 2 lakes will include installation of
Sewage Treatment Plants (STPs), making diversion channels to let treated water off without
letting it back into the 2 reservoirs.
The efforts will also include maintenance of ground water quality, minimisation of pollution
through agricultural surface run-off & many other measures to ensure quality of water is
improved. The state govt. has constituted a committee to frame the guidelines & detailed
regulations for conservation of the reservoirs, the committee is headed by Chief Secretary of
state, Special Chief Secretary (MA & UD), Special Chief Secretary (Finance), Special Chief
Secretary (I & CAD), Managing Director of HMWS&SB, Member Secretary of TSPCB &
Director of Planning HMDA.
The Terms of Reference (ToR) of the Committee include suggesting measures for protection and
prevention of pollution to these two reservoirs, suggesting broad guidelines for zoning including
earmarking of green zones, modalities for development of trunk infrastructure in this area, means
of resource mobilisation for taking up trunk infrastructure i.e., roads, major drains, STPs,
diversion drains etc. The committee will also work on suggestions for proper institutional
framework to take up infrastructure & regulate development in the GO 111 belt.
The committee will also formulate any necessary regulatory measure to be insisted on while
granting any layout/building permissions & any changes that would be required in the existing
legal framework to effectively regulate development in the area. The orders also said that while
finalising the guidelines, detailed regulations must be ensured that not only proper STPs are in
place and also diversion drains are in place to carry treated water without letting sewage water
into the two reservoirs.
The Committee would look into ways and means to raise resources to meet the infrastructure
requirements in this area as well. The order added that the Committee while keeping the broad
primary objective of protecting the quality of two water bodies, should work on the above-
mentioned ToR and submit its report to the government at the earliest.

Central Govt. Planning to Allow Self-Employed People to Enrol Under EPFO


The central govt. is mulling whether or not to allow self-employed individuals to enrol under the
Employees’ Provident Fund Organization (EPFO) by contributing 10% of their income to the
provident fund body every month. The proposal to allow self-employed people to enrol with the
EPFO is being deliberated upon by the ad-hoc committee planning EPFO expansion, if the
decision is to allow self-employed individuals to be covered by EPF then it is said to benefit
more than 1.5 crore self-employed people in India.

Central Govt. Planning to Allow Self-Employed People to Enrol Under EPFO

The final decision on this will be made by the EPFO’s Central Board of Trustees (CBT). EPFO
officials with information regarding the topic have said that the government may create a new
scheme or add a provision in the existing EPFO scheme which will allow self-employed
individuals to avail EPFO benefits such as provident & pension funds. The decision to be made
on the rate of contribution is yet to be discussed but sources say it could be subject to an income
ceiling. As per the current EPFO scheme, monthly salary for computation of provident &
pension funds are subject to a ceiling of ₹15,000.
The contributions made self-employed individuals may not be a part of the corpus which was
built over several decades under the existing Act via employer-employee contributions. The
EPFO had announced an interest rate of 8.1% for 2021-22 but the interest on returns for deposits
by self-employed individuals may be different from the returns given on EPFO investments. The
power of Social Security Code allows the government to frame a new scheme to provide social
security to an unorganised worker which will include self-employed persons & the
administration of such a scheme will be entrusted to the EPFO.
However, if the implementation of the Code is delayed, the government may even consider
tweaking the EPF Act, 1952, which mandates an employee-employer relationship wherein both
employee and the employer contribute 12% each to the provident fund account of the
beneficiary. Retirement fund body EPFO has around 60 million subscribers and manages a
corpus of over ₹12 lakh crore. EPFO beneficiaries are entitled to provident fund benefits under
the EPF scheme, pension benefits under the EPS-95 scheme, and the insurance benefits under the
Employees’ Deposit Linked Insurance Scheme.

Hyderabad City Remains India’s Most Affordable Metropolitan City for Housing


A national survey showed that houses in Hyderabad are still less expensive compared to most major metropolitan cities of India. Hyderabad has been named as the most affordable metro for housing in India in spite of escalation of real-estate market prices in the city. The state govt. of Telangana had recently increased property registration rates and increased the market value of land across the state but Hyderabad still remains as the most affordable city in India in the aspect of housing.

Hyderabad City Remains India’s Most Affordable Metropolitan City for Housing

The cost of real-estate properties, especially residential properties has increased in the city of Hyderabad due to an increase in cost of raw materials required for construction. The average property rates for a residential unit in Hyderabad lies between ₹4,800 to ₹5,000 per sq. ft. while the average cost for a house in other metros of India lie between ₹5,200 to ₹6,000 per sq. ft. The city of Hyderabad and its real estate market continue to attract a lot of interest from real-estate investors and large companies in commercial real-estate thanks to the affordability of property in the city.

Hyderabad also offers the most competitive rates in the country in the commercial sector of the realty market as the city secured large amounts of investments from many large MNCs to set up their operations/plants in the city. The city is also set to receive a larger supply of top-end office space (over 44 million sq. ft.) which will mean that it will receive more commercial space than Bengaluru (approx. 42 million sq. ft.) for the first time. The reason for a robust commercial realty market could be attributed to steady horizontal growth and uniformity of infrastructure across the city.

The ease of living, quality of living, easy commuting, infrastructure sufficiency are all factors that put Hyderabad above cities in terms of being a better prospect for real-estate and the added benefit of property being cheaper only makes Hyderabad the most affordable metro of India. Hyderabad is also continuously adding growth corridors with its already infrastructure which has given rise to multiple residential corridors spread over the city. Industry experts believe Hyderabad was severely affected by the recession from 2008 to 2014, which is why the prices of real-estate in the city are comparatively lower than other metropolitan cities.

The pace of development in Hyderabad bodes well for the retail sector too, in most other cities, retail development is limited to a certain area whereas in Hyderabad retail development is quite uniform and the citizens of the city do not have to travel very far to find what they are seeking.

How to Link PAN to EPF Account to Avoid TDS


To avoid having too much tax withheld at source, employees should link their Permanent Account Number (PAN) to their EPF (TDS). Section 206AA of the IT Act mandates that every taxpayer who receives taxable income give their PAN to the payer (EPFO). TDS will be deducted at a rate of 10% if the EPF account is linked to avalid PAN, or double the rate of normal TDS, i.e. 20%, if the EPF account is not linked to a valid PAN, according to the circular issued by EPFO on April 6, 2022. TDS levels will be the same in death instances as well.

How to Link PAN to EPF Account to Avoid TDS

According to the EPFO circular, “For each day that the failure continues, you will be charged Rs.200. Late fees, on the other hand, must not exceed the amount of TDS. Every taxpayer who receives taxable income is required by section 206AA of the IT Act to provide their PAN to the payer (EPFO). If a PF account is linked to a valid PAN, TDS will be 30% or the tax rate stated in the DTAA (Double Taxation Avoidance Agreement), whichever is more advantageous to the PF member.

If a PF account does not have a valid PAN, TDS will be 30% or the tax rate stated in the DTAA (Double Taxation Avoidance Agreement), whichever is more favourable to the PF member. According to the new circular, if the PF Account is not linked with a valid PAN, tax shall be deducted at the higher of the following rates:

  1. at the rate specified in the relevant provision of 206AA of the IT Act; or
  2. at the rate or rates in force; or
  3. at the rate of twenty per cent: (Ref. section 194 A read with section 206 AA of Income Tax Act).

How to Link PAN With an EPF Account Online?

  • Login EPFO portal, using your UAN credentials
  • Click on the KYC option under “Manage”.
  • The browser will take you to a new page where you can link your EPF account with “PAN.”
  • Click on ‘PAN’ and enter your name as per PAN and number.
  • Click on ‘Save’

If your name and number match the data in the IT department, your PAN is instantly confirmed. Once your PAN has been appropriately linked with your PF account, it will display in your ‘Member Profile’ table.

CREDAI AP Asks for Action Against Steel & Cement Companies Over Price Hike


The Confederation of Real Estate Developers Association of India (CREDAI) AP Chapter has sought action against companies manufacturing steel, cement & other raw materials required for construction for increasing prices & charging exorbitant prices even when input materials cost was relatively stable. K.S.C. Bose, the General Secretary of CREDAI-AP Chapter has urged both the Union & State governments to take serious action against these cement, steel & other construction material manufacturers as they have nearly doubled prices when their input costs have remained stable across the nation.

CREDAI-AP held a high-level meeting with representatives of National Real Estate Development Council (NREDC), Builders Association of India, State Andhra Pradesh Builders & Contractors Associations, Architects Association & other groups to discuss the abnormal hike in prices of steel, cement, plumbing material, tiles, electrical goods and other materials. The General Secretary of CREDAI-AP, Mr. Bose, while addressing the media conference, alleged that the syndicate of steel & cement companies were revising prices on a daily basis.

“A tonne of steel was available at ₹45,000 in 2021 but it is now priced at ₹86,000 per tonne. The cement bag, which was priced at ₹250 a year ago, is now available at around ₹400. The revision of prices of other materials is also done on a day-to-day basis, putting the entire construction industry in crisis,” Bose added. Bose urged the government to appoint a high-level committee of experts to study the material, production & transport costs so that the prices could be fixed in accordance to the input cost expenditure.

CREDAI-Vizianagaram chapter representatives V. Parthasarathi, Ch.S.N. Raju, K. Rajasekhar and others urged the traders, who were supplying those materials, to cooperate with them since their business was also affected very badly with the stopping of nearly 100 ongoing projects in Vizianagaram city itself. State Andhra Pradesh Builders and Contractors Association-Vizianagaram district president P. Gopi said that the contractors were unable to take up any works with the skyrocketing prices of cement, steel and other building material.