EPFO Member Passbook

Last Updated : July 27, 2024, 3:28 p.m.

Contributions made to an investment fund called Provident Fund by both the business and the government can be beneficial for the employee's retirement corpus .Every PF investment is made into the EPFO (Employees' Provident Fund Organisation) account.

Both the employee and the employer contribute equally to the EPFO account. Generally, the employee contributes around 12% of their basic income to the EPF account, while the employer contributes 8.33% of the basic salary to EPS and 3.67% to EPF. A member can anytime use his EPF Passbook to view the record of contributions. The EPF passbook contains a list of all contributions made to the EPF account by both the employee as well as the employer. Through the EPF Member Passbook Login, you can also see the interest that has been credited to your account. Therefore, you should be aware of how to see and download your EPF passbook online.

What is an EPF Passbook?

A monthly contribution of 12% of the employee's basic salary + Dearness Allowance (DA) is made to their Provident Fund (PF) account. Employees' PF is matched by the employer, which contributes 12% in total. In addition, the EPFO offers its members interest each year based on their EPF balance.

Members of the Employee Provident Fund (EPF) have the ability to access their EPF UAN passbook online, which includes information on the quantity and status of their contributions, as well as the date and interest credited by the EPFO annually. There are several ways for a PF account holder or member to view their passbook.

How to Check Your UAN Passbook Account Balance?

You can check your account balance through various methods that are as follows:

EPFO Portal

Follow the steps given below to check your account balance on the EPF Portal.

• Visit the EPF portal and click on ‘Our Services’ on the dashboard.
• Then navigate and click on ‘For Employees’
• Select ‘Member Passbook’
• Enter your user credentials and Login to your account.
• Click on ‘View Passbook’
• On the next screen you will be able to view your account balance along with the other details of your account.

SMS

Send an SMS from your official mobile number to 7738299899 to check your EPF balance. The message should be sent in the format ‘EPFOHO UAN ENG,’ with ENG being the three characters of the preferred language. The language option is offered in 10 different vernacular languages (English, Hindi, Telugu, Punjabi, Gujarati, Marathi, Malayalam, Tamil, Kannada, and Bengali).

There's a risk you won't receive a notice if your employer submitted your Aadhaar, PAN, and bank account but they weren't digitally validated.

If so, you need to get in touch with your employer straight away. Following a successful message acceptance, EPFO sends an SMS with the account balance, the specifics of the most recent contribution, and the contents of the KYC document.

Missed Call

The account holder must confirm that the KYC details have been linked and merged with the UAN before being allowed to see the account balance through missed call. When the KYC has been successfully linked, make a missed call from your registered phone to 011-22901406 and an SMS with EPFO data will be sent to you shortly.

How to Download EPFO Passbook?

To download your EPF passbook, you will need a UAN and password.The employee can view several transactions, monthly contributions, withdrawals, and a plethora of other information in their EPF passbook.

Additionally, in order to use the UAN passbook, you will need to complete an employee login. You only need to take the easy actions shown below to log in :-

• Step 1: The worker needs to go to https://www.epfindia.gov.in/site_en/index.php first.
• Step 2: The employee then needs to select "e-Passbook."
• Step 3: The employee needs to input their password, UAN, and captcha information on the new tab.
• Step 4: The employee then needs to select 'Login'.
• Step 5: The employee's Member ID will be shown on the next page. If an employee has more than one Member ID, they will all appear on the screen.
• Step 6: To download a PF statement, the employee needs to click on the Member ID of that person.
• Step 7: A list of details, including the name of the business, the employee's name, address, and the percentage of ownership held by the employer and employee, as well as the amount contributed to the Employees' Pension Scheme (EPS) account, will show up when an employee clicks on their Member ID.
• Step 8: The employee will also be able to download and print the PF statement in PDF format.

What is Shown in UAN Passbook?

After you have successfully logged in to your EPF account you can open and download your UAN passbook. After downloading the UAN Passbook, you can find multiple details in it.

Mainly, the components available in UAN passbook are as follows:

• Your EPF Account Number
• 12 Digit Universal Account Number (UAN)
• Basic Details like Name of the Establishment, Establishment Address, Member’s Name, Date of Birth, and Date of Joining the Organization, etc.
• Opening Balance of your passbook that will include the employer and employee column.
• Monthly Contributions by the employer and the employee.
• Withdrawals made throughout your employment.
• Closing Balance of the year.

Benefits of UAN Passbook

The UAN passbook is available for use at any time and becomes active six hours after the member registers on the EPFO portal . Your EPF passbook allows you to view the opening and closing balance of your EPF account.

Nonetheless, the net amount of your EPF account, including employee and employer contribution, will be displayed in the closing PF balance . All transactions, including withdrawals and interest, will be displayed in detail in the UAN passbook as well.

Contents of UAN Passbook

The UAN Passbook contains -

• ID for the establishment and the name of the business or employer
  
• Name and ID of the member
  
• The EPFO's office name and kind
  
• Share of Employers and Employees in the EPFO
  
• The employee and employer each make a monthly withdrawal from a depository.
  
• Monthly payment made to the worker's pension account.
  
• The day and hour the passbook was printed is included at the end of the statement.

Conclusion

Think of your passbook as an exhaustive record of the funds you have added to your retirement account. By experiencing and gaining experience you can come across an EPF account in various interest that have accrued and the payments which you and your employer made till date.

Along with these benefits, the EPF passbook has a lot of information related to your EPFO account and you can access the passbook anytime using your UAN and password. On the other hand, you can download the statement and see the monthly contributions to your PF account. The passbook will also show the withdrawals and the interest credited to your PF Account.