EPFO: EPFO Login, EPFO interest, Registration, Eligibility UAN Activation, withdraw EPF online & Benefits

EPFO: EPFO saving scheme is a saving scheme initiated by the Government of India aims to promote the savings to be used post-retirement by various employees all over the country. Read all about EPFO, Eligibility, How to register for EPFO, Eligibility, How to activate UAN, benefits & other related details in the article.

Sheena | Updated Jun 23, 2020 11:57 AM

EPFO: EPFO Login, EPFO interest, Registration, Eligibility UAN Activation, withdraw EPF online & Benefits

What is EPFO?

The Employees' Provident Fund (EPF) is a retirement savings scheme that came into existence with the promulgation of the Employees' Provident Funds Ordinance on the 15 November 1951. EPF was introduced under the Employees’ Provident Fund and Miscellaneous Act, 1952. The Employees’ Provident Fund Organization (EPFO) assisted the Central Board of Trustees administers and manages EPF. The board consists of representatives from three parties, namely, the government, the employers, and the employees. It works under the jurisdiction of the Government of India and is managed through the Ministry of Labour and Employment.

What is the main objective of EPFO?

The main objective of the EPF scheme is to promote savings that will be used post-retirement by various employees all over the country. EPF is a saving fund that is contributed by the employer and his employee regularly on a monthly basis. In EPF, the employer and employee contribute 12% each of the employee's salary to the EPF. It will contribute to earning a fixed level of interest set by the EPFO. 

The amount of interest that will be received on the deposit along with the total accumulated amount is totally tax-free. The employee can withdraw the entire savings fund without worrying about paying any kind of tax on it. The nominee (or the legal heir) of the employee can withdraw the amount post the employee’s death and it can also be withdrawn by the employee himself post-resignation.

What are the EPFO Schemes?

The EPF scheme caters to the needs of more than 5 crore members. The scheme is governed by three Acts are: 

Employees’ Provident Fund Scheme, 1952 (EPF)
Under the scheme, money is accumulated and interest upon retirement and death. Partial withdrawals of the fund are allowed for education, marriage, illness, and house construction. 

Employees’ Pension Scheme, 1995 (EPS)
The monthly benefit for superannuation/retirement, disability, survivor, widow(er) and children
Minimum pension on disablement
Past service benefit to participants of the erstwhile Family Pension Scheme, 1971

Employees’ Deposit Linked Insurance Scheme, 1976 (EDLIS)
EDLIS benefit is provided in case of the death of an employee who was a member of the scheme at the time of death. The benefit amount will be 20 times the wages and the maximum benefit is Rs.6 lakh.

What is EPFO E-Sewa?

EPFO launched the E-Sewa in April 2012. E-Sewa is an online receipt of the Electronic Challan cum Return (ECR). The employers can enroll themselves to avail this facility by registering their establishment code, Unique ID, and a secured password on the portal. R-Sewa has made the whole process of returns paperless. The employers can now view the electronic challan on the portal, view the annual account slips, and can even print it if required. Once the employers have made a return, an SMS will alert them in their registered mobile about the same.

How is EPFO Deducted from Salary? 

An employee and the employer both will contribute 12% of basic + dearness allowance, if any, into the employee's EPF account. The entire 12% of the employee's contribution will go to the employee's EPF account along with 3.67% (out of 12%) from the employer and the balance 8.33% from the employer’s side is diverted to the Employee’s Pension Scheme (EPS). If the basic pay of an employee is above Rs.6,500 per month, the employer can only contribute 8.33% of Rs.6,500, which is Rs.541, to the EPS and the balance enters the EPF account.

These saving funds are pooled together from many employees and invested by a trust. It generates an interest of 8%-12%, which is decided by the government and the central board of trustees. The annual interest rate is currently at 8.65%. It is available on the official EPF India website. The EPF remains active every time when the employee receives their pay. 

How to Calculate Interest on EPFO?

PF interest rate is calculated every month but it is deposited in the account at the end of the financial year. 

The interest calculation on the EPF of an employee who earns Rs.30,000 is explained by the given example.

Basic Salary + Dearness Allowance = Rs.30,000

Employee’s contribution towards EPF = 12% of Rs.30,000 = Rs.3,600

Employer’s contribution towards EPS (subject to limit of 1,250) = Rs.1,250

Employer’s contribution towards EPF = (Rs.3,600 - Rs.1,250) = Rs.2,350

Total EPF contribution every month = Rs.3,600 + Rs.2350 = Rs.5,950

What is the eligibility to apply for EPFO?

To participate in the EPF scheme an employee must satisfy the eligibility criteria set by the Board. The employee needs to become an active member of the scheme in order to avail benefits under this scheme. The criteria include:

  • The employees of an organization can avail of the Provident Fund (PF), insurance benefits, and pension benefits since the day they join the organization.

  • Any organization that employs a minimum of 20 workers is liable to give EPF benefits to the workers.

  • EPF scheme does not cater to the needs of people residing in Jammu & Kashmir.

How to Register for EPFO?

Employers must register the establishment or firm online. The steps to register is given below:

  • Visit the official EPFO website.

  • Click on the "section of Establishment Registration" 

  • A new ‘Instruction Manual’ will be displayed on the screen. It explains the process of Employer Registration. It is then followed by the registration of the Digital Signature Certificate (DSC) of the Employer. The DSC is a prerequisite for fresh application submission

  • Check 'I have read the instruction manual' tickbox and proceed to fill in the details to register

  • An email e-link will be sent to be activated. A mobile PIN will also be sent. Upload the following documents to register:

Establishment details:

  • Name of the establishment

  • Address

  • Incorporation Date

  • PAN

  • Type of establishment

If the organization is a factory, then the following details must be provided:

  • Factory License Number

  • Date of License

  • Place of issue

If the establishment is a Micro, Small and Medium Enterprises (MSME), then the details must be provided accordingly.

e-Contacts: In is necessary that the employer provides the email id and mobile number of the authorized person.

Contact Person: In this place, the employers must provide details of the contact person like a manager. The details required are:

  • Name

  • Date of Birth

  • Gender

  • Contact details

Identifiers: The employer needs to provide identifiers, which is the license information.

Employment details:

  • Employee strength

  • Gender

  • Type of activities

  • Wages above limit

  • Total wages

Branch/Division: Details of the Branch including name/premise number and address.

Activities: To register, the employer needs to select the type of business and the activities included from the drop-down lists available.

Upon successful registration, one can log in using their Universal Account Number (UAN). Visit the member website of EPF, that is EPF e-SEWA/EPF Members Portal to login using UAN.

How is the EPFO UAN Activated?

UAN has been made mandatory for all employees. UAN will help to manage the EPF account and even PF transfer and withdrawals will become much easier than before. In most cases, the employer provides the UAN and the employee should activate by providing relevant KYC documents to the employer. If an employee is changing jobs and already have a UAN, the employee must get a new UAN from the new employer. UAN is a one-time permanent number which will remain the same throughout one's career. To activate UAN, one should:

  • Visit the member website of EPF, that is, EPF e-SEWA/EPF Members Portal

  • Tap 'Activate UAN'

  • Enter either UAN, PAN or Aadhar and other details as Name, Birthdate, etc according to EPFO records

  • Enter the captcha code and get authorization PIN on the registered mobile with EPFO

  • Use the One Time Password (OTP), which is sent to the registered mobile, to validate and activate the UAN online

  • The user will receive another message to confirm activation of UAN

  • Once UAN is activated, the employee can log in using it to check the status of the Provident Fund.

What is EPFO Pass Book?

EPFO Pass Book can be availed after EPF registration. The online facility is provided by EPFO. It is more like the bank passbook, as it helps a person in knowing various transactions of its EPF account.

  • The EPFO Pass Book facility can be viewed by the Member Passbook for the members registered on the Unified Member Portal. 

  • After successful registration at Unified Member Portal, the EPFO passbook will be available after 6 hours.

  • The changes that are made in the credentials at Unified Member Portal will be made effective at this Portal after 6 Hours.

  • EPFO Pass Book will have the entries which have been reconciled at the EPFO field offices.

  • This particular facility will not be available for the Exempted Establishments Members / Settled Members / Inoperative Members.

What are the benefits of EPFO Scheme?

EPF scheme is one of the largest saving schemes available to the Indian employees. The scheme provides many benefits to the employees. The benefits are listed below:

  • EPF Scheme will provide a certain interest on the deposits at a specific rate, which is pre-decided by the establishment. The amount of interest that will be received on the deposits and the actual deposited amount is deemed to be tax-free by the Government of India.

  • EPF provides Long-Term Financial Security. As the funds deposited in this account cannot be withdrawn easily and hence, helps in ensuring savings.

  • The accumulated fund under the EPF scheme will be used during the retirement of the employee. It will be provided in the form of monetary security.

  • The accumulated fund can be used by the employee in case of any kind of emergency. The employee can choose to withdraw his/her fund prematurely. The scheme provides provision for pre-term withdrawals in certain special cases.

  • The employee post-resignation can withdraw his/her 75% of the EPF fund after one month of the date of having quit the job. The remaining 25% after 2 months of unemployment.

  • In the case of unemployment or any crisis, these funds may be used to meet expenses.

  • In case of death of the employee, the amount collected from the EPF Scheme along with the interest is given to the employee's nominee thus helping the family tide through difficult times.

  • The EPF scheme acts as a sound source of income for an individual at the hour of the financial crisis. The funds can be used to meet unavoidable expenses like medication needs or education needs.

  • Pension Scheme: The employer not only contributes towards the PF fund but also makes the necessary contributions towards the employee’s pension which can be later used by the employee post-retirement.

  • Insurance Scheme: The act also provides for certain provisions whereby the employer is required to make certain contributions towards an employee’s life insurance where group insurance cover is not present. This scheme ensures that the employees are properly insured.

  • Employees can easily get access to their PF account via the EPF member portal, with the help of the Universal Account Number (UAN). The employee can transfer their accounts whenever they move to a new organization.

What are the documents needed to file withdrawal from EPF accounts online?

If an employee needs to file a withdrawal from his/her EPFO accounts online, the following steps should be done:

  • The employee’s Universal Account Number (UAN) must be activated

  • Aadhaar card number must be linked and verified with UAN

  • Bank account with correct IFSC (Indian Financial System Code) should be seeded with UAN

  • EPF account must be Know your customer (KYC)-compliant

  • The mobile number linked with Aadhaar should be active;

  • In the case of retirement, the correct date of birth (DoB) should be updated in the EPFO records.

How to withdraw EPF online?

Upon providing the details of the document above an employee can withdraw funds from their EPF account via online mode. The steps are listed below:

  • Visit Member e-Sewa portal https://unifiedportal-mem.epfindia.gov.in/memberinterface/ 

  • Log in by entering UAN, password and captcha code

  • Select 'Claim (Form-31, 19, 10C & 10D)' under the 'Online Services' tab.

  • The employee must give the correct bank account number, which is seeded with UAN

  • Tap ‘Verify’.

  • Then, click on 'Proceed For Online Claim'.

  • Choose the reason for applying for withdrawal from your EPF account (Only those options will be visible for which you are eligible.)

  • Enter the complete details. For an advance claim, the amount to be claimed is also to be stated. 

  • Upload the scanned copy of the cheque/passbook as per EPFO instructions.

  • Check the terms and conditions. 

  • Click on 'Get Aadhaar OTP'.

  • A one-time password (OTP) will be sent to the employee’s mobile number that is registered with Aadhaar. Enter the OTP in the required box. Once the OTP is entered successfully, then your claim application will be submitted.

What is EPFO Helpline Number?

To register any complaints regarding EPF UAN, the employees can call the customer care executives of EPFO at their toll-free number. In case of any doubts or discrepancies, one is advised to contact the customer care line of EPFO and the portal. The employees can:

  • Log on to the member portal of EPFO

  • Click on the ‘Contact Us’ button which is on the top of the page.

  • Employees can contact the EPFO’s customer care toll-free number which will be displayed, based on the region the employer is located in.

Helpdesk- 1800118005 (Toll-Free)

Head Office:

Bhavishya Nidhi Bhawan, 14, Bhikaji Cama Place, New Delhi- 110066

Disclaimer: The above information is for general informational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability or completeness of any information on the Site.

EPFO - FAQ

1.  What is the period for which a reduced rate of contribution to EPFO in 2020 is applicable?

The statutory rate of contribution will be 10% for wage months- May 2020,
June 2020 and July 2020.