EPFO Frequently Asked Questions

Login to the EPFO passbook portal at passbook.epfindia.gov.in with your UAN and password. Alternatively, use the UMANG app → EPFO → View Passbook, give a missed call to 011-22901406, or SMS EPFOHO UAN ENG to 7738299899.

The EPFO passbook is typically updated within 6 hours after your employer deposits contributions. However, interest is credited once a year (usually after March 31) for the entire financial year. You may not see the current year's interest until it is credited.

Possible reasons: (1) Your employer has not deposited contributions, (2) UAN is linked to a different Member ID, (3) KYC is not complete. Check with your HR and verify the UAN linked to your current employer.

The EPF interest rate for the financial year 2025-26 is 8.15% per annum, ratified by the EPFO Central Board of Trustees.

Your UAN is printed on your salary slip. You can also check it by visiting the EPFO Unified Portal → Know Your UAN, and entering your PF member ID or Aadhaar/PAN. Alternatively, SMS EPFOHO UAN to 7738299899 from your registered mobile.

Go to the EPFO Member Portal, click "Forgot Password", enter your UAN, and verify via OTP on your registered mobile. If your mobile is not registered, visit your employer's HR to update it.

If activation appears successful but you cannot login, wait 24 hours and try again. If the issue persists, contact your employer to ensure your UAN is seeded with Aadhaar and the mobile number is updated in EPFO records.

No. EPFO policy prohibits holding two UANs. If you have been allotted a second UAN by mistake (common when changing jobs), you must request UAN merger by writing to your regional EPFO office with both UAN details and employer certificate.

You can withdraw PF partially while employed via Form 31 (Advance) for specific purposes: medical emergency, marriage (self/children), house purchase or construction. Full withdrawal (Form 19) is only allowed after resignation + 2 months unemployment.

Online claims with full KYC: 3–7 working days. Auto-mode eligible claims: 72 hours. Offline physical claims submitted to EPFO office: up to 20 working days.

A minimum of 5 years of continuous service with the same employer is required to be eligible for gratuity. If you have completed 4 years and 240 days (approximately), it may be rounded to 5 years in some interpretations.

PF withdrawal is tax-free if you have completed 5 years of continuous service. If withdrawn before 5 years, the amount is added to your income and taxed at your slab rate. TDS of 10% is deducted if withdrawal exceeds ₹50,000 and PAN is linked.

Common reasons: (1) KYC not approved — Aadhaar/bank account not verified, (2) Name or DOB mismatch between Aadhaar and EPFO records, (3) Exit date not updated by employer, (4) Bank account details incorrect or inactive, (5) 2-month waiting period not completed.

Login to UAN Member Portal → Manage → KYC → Select Aadhaar → Enter 12-digit Aadhaar number and name → Save → Verify with OTP on your Aadhaar-registered mobile. Aadhaar is auto-verified via UIDAI.

Only Aadhaar is auto-verified. PAN and bank account KYC require employer approval. Email your HR/payroll team with your UAN and request them to login to the employer portal and approve KYC. If the employer is unresponsive, raise a grievance at epfigms.gov.in.

Submit a Joint Declaration Form (available on EPFO website) signed by both you and your employer. Submit it to your regional EPFO office along with Aadhaar copy. Corrections take 15–30 working days.

Employees who have completed 10 years of eligible service and attained the age of 58 years are eligible for EPS pension. Reduced pension (2% less per year) is available from age 50. You must have contributed to EPS during service.

Monthly Pension = (Pensionable Salary × Pensionable Service) ÷ 70. Pensionable Salary is the average of the last 60 months' basic salary, capped at ₹15,000. If service exceeds 20 years, add 2 years as bonus.

Yes. If you have less than 10 years of eligible service, you can withdraw the EPS accumulation (the 8.33% employer contribution portion) using Form 10C. Alternatively, you can get a Scheme Certificate to preserve pension benefits for future employment.