All you need to know about Employee Provident Fund
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All you need to know about Employee Provident Fund

  • Highlights

  • EPF builds a big savings corpus for salaried individuals

  • The EPF account enlists all your fund details

  • Check your EPF balance online using apps & portal

  • Perform various EPF functions using EPFO E-Sewa

EPF or Employee Provident Fund is a retirement scheme that every salaried employee is entitled to avail from their employer.

What is EPF?

In virtue of this scheme, your employer deducts a fixed sum from your salary every month and puts it along with their contribution into your EPF account. You can use your EPF savings to avail a loan or withdraw it post retirement to fund your expenses.

The history of EPF in India

The EPF scheme was launched back in 1952. The goal of this scheme was to provide millions of employees with better social security and a secure future in exchange of the hard work, effort and service they offer to various organisations they have worked in. EPF in India was brought to action under the Employees' Provident Funds Act and, since the start, has been regarded as a compulsory contributory fund. This Act was implemented as a backdrop for the government to implement numerous policies to secure the interests of employees in India. The Ministry of Labour & Employment is responsible for the active implementation of the EPF schemes.

Benefits of having an EPF

Here are the various benefits that you can enjoy backed by an EPF account.

  • - It builds your savings corpus

  • - It helps you fund your retirement and post-retirement lifestyle

  • - It doesn’t require a lump sum one-time investment. A monthly deduction from the salary is enough to build a bigger corpus all through your employment years

  • - It allows you to enjoy tax concessions

  • - It works as a financial back up for emergencies


How to enrol for EPF in India?

As an employee, your enrolment for EPF happens at the discretion of your employer and the process is carried out in its entirety by your employer. If you are a business owner, and your company intends to enrol under this scheme, you have to meet necessary eligibility requirements and furnish a few documents to complete the process.

To be eligible to enrol under this scheme, your organisation should be a registered company and must be involved in activities listed under Schedule 1 of the EPF Act. Apart from that, the minimum employee strength of the company should be 20 people.

Once eligible you can apply with the following documents:

  • 1. A copy of the partnership deed in case of a partnership firm.

  • 2. If your organisation is a public limited or private limited company, you need to submit a copy of the Certificate of Corporation. You also need to submit a copy of the Memorandum and Articles of Association.

  • 3. If you want to register your society, you need to submit a copy of the registration certificate of your society along with a copy of the rules and objectives of the society.

  • 4. Apart from these specific documents, all companies in general need to submit income tax documents, PAN details, partition deed, first sales invoice, salary details of employees and a copy of the balance sheet.


What is the EPFO?

The EPFO stands for the Employees’ Provident Fund Organisation. It is a statutory body that was created by the Government of India. It is one of the largest social security organisations in India. The organisation is known to have a vast number of beneficiaries and is known to make high amounts of financial transactions. The EPFO came in to being with the Employees Provident Fund ordinance that was passed in 1951. It later continued to exist and became a part of the modified Employees Provident Fund Act in 1952 and is currently a part of the Employees Provident Funds and Miscellaneous Provisions Act 1952.

Significance and role of the EPFO

Just as every other board and organisation, this organisation too has a set of activities and responsibilities under its jurisdiction. It operates across several zones, which are closely monitored by an Additional Central Provident Fund Commissioner.

Since the EPFO is a strong governing body, it has a significant role to play in helping its members in various ways. Right from helping your organisation register and understand the rules to helping you with various complex procedures, the EPFO does it all.

Here is the detailed list of all the services that EPFO offers you.

1. To help you register online

EPFO has an Online Registration of Establishments portal that helps you access or register your EPF account. If your organisation falls under the list already available with the EPF and Miscellaneous Provisions Act 1952 you can easily register online. In case your organisation is not listed, the EPFO allows you to voluntarily sign up for your account. The EPFO is also equipped with a helpdesk that you can access on the toll-free number 1800 118 005.

2. To generate UAN details of other members online

The UAN is a unique code that brings all your PF accounts under one head. So, on behalf of your company, you can enquire the PF details of all members of the company by visiting the EPFO member log-in portal. All you have to do is generate an OTP to authenticate your identity and then you can view various details of other members. This allows you to keep all your employee details under the umbrella of the company UAN.

3. To help you pay for EPF subscription online

Subscribing for an EPF comes with a lot of benefits. However, to ensure that you continue gaining from these benefits, you need to ensure that you pay the annual subscription fee. To make this convenient for you, the EPFO has a tie-up with the SBI, which enables you to pay the subscription fees online using the Net Banking option. This option works regardless of which bank account you have.

4. To generate the EPF challan online

The EPFO also helps you complete your registration with the E-challan online. Once you register at the EPFO e-Sewa portal, you get a unique ID and password. Using these, you can submit the data with your digital signatures and save it in a PDF. Once you print it out, you can have it approved, after which, your E-challan will be generated online.

5. To address your grievances

There can be numerous instances where you have certain doubts, queries or complaints to make to the EPFO. The grievance management system for EPFO is a department that is adept and ready to reply to all your doubts, complaints, and issues. All you have to do is fill up a grievance registration form. In this form, you have to fill in all the relevant details like your status of membership, PF number, related EPFO office, and name of your establishment, address of your establishment, your name, address, phone number, and Email ID. Once you have filled all these details you can go ahead and describe the details of your grievance in the ‘Grievance Description’ section. The grievance management system also lets you send reminders in case your grievances have not been addressed. You can also view the status of your registered complaint by entering the grievance registration number, password and captcha code.

6. To transfer claims online

This service enables you to transfer your claims as and when you like. It also lets you view and manage all your transfer claims. Thus, you have the convenience to view, verify, approve and submit claims online.

EPF registration process for employers

Registering with your company’s EPF account will help your organisation provide all your employees the facility of EPF. Not only does this bring credibility to your organisation and help you create a responsible image for your company, but it also helps your employees feel more satisfied in their respective roles.

Here is the list of the details you need to provide when registering for EPF.

  • 1. Details of the owner, including details of the designation and the address of the directors and the partners

  • 2. Name and address of your company

  • 3. Details of the head offices and branches

  • 4. The date of registration or incorporation of your company

  • 5. Details of all your employees and the strength of employees

  • 6. The type of work done by your organisation

  • 7. The legal details of your organisation

  • 8. The particulars related to wages and salaries

  • 9. The details of the bank through which you perform all business transactions

  • 10. The company’s PAN details

  • 11. Submit a filled-out Performa for Coverage, along with submitting Form A and Annexure 1


Now that you know of all the details you need to provide, have a look at the step-by step procedure to register the EPF account for your company:

  • Step 1: Be ready with all your documents

  • Step 2: Visit the EPFO e-Sewa portal and read and follow all the instructions

  • Step 3: Fill in all the details and submit the application form

  • Step 4: Generate and enter the captcha code and click on the ‘Get Pin’ option

  • Step 5: Enter the secret PIN that was generated on your registered mobile number or email ID

  • Step 6: Click on ‘submit’ and download the completed PDF

  • Step 7: Save and take a copy of the PDF

  • Step 8: Submit this copy later at the EPF office


EPF Contributions

The EPF is a social security scheme that aims at providing your employees financial security over the future. This scheme not only takes contributions from you individually for each of your employees, but also takes contributions from each of your employees, which you deduct from their salaries every month and submit towards their EPF on their behalf.

So, broadly your EPF contribution as an employee is divided into two parts.

Contribution made by you

This is the contribution that is made by you as an employee. This contribution accounts for 12% of your salary, which is deducted on a monthly basis by your employer.

Contribution made by the employer

This part contributed by your employer is also 12% of your monthly salary amount which the employer contributes as a separate fund from their own accounts. This 12% deduction gets divided in the following ways and is then contributed to your EPF account.

  • a. 3.67% of the section would go towards the EPF

  • b. 8.33% would go towards the EPS (Employee Pension Scheme)

  • c. 0.50% would go into the Employee’s Deposit Link Insurance Scheme

  • d. 1.10% would go into the EPF Admin Charges

  • e. 0.01% would go into the EDLIS admin charges


Now that you know the various divisions of the EPF, the table illustrated below will help you understand how EPF works. First, let us assume that you have just joined a company with a salary of Rs.20,000. Now have a look at the table below.

Month Employer Contribution (3.67%) Employee Contribution (12%) Monthly Balance at month end Interest applicable
June Rs.734 Rs.2,400 Rs.3,134 Nil (Just joined company)
July Rs.734 Rs.2,400 Rs.6,268 3134 X 8.75/12=Rs.22.85
August Rs.734 Rs.2,400 Rs.9,402 Rs.68.55
September Rs.734 Rs.2,400 Rs.12,536 Rs.91.40
October Rs.734 Rs.2,400 Rs.15,670 Rs.114.26
November Rs.734 Rs.2,400 Rs.18,804 Rs.137.11
December Rs.734 Rs.2,400 Rs.21,938 Rs.160
January Rs.734 Rs.2,400 Rs.25,072 Rs.182.81
February Rs.734 Rs.2,400 Rs.28,206 Rs.205.66
TOTAL EPF Balance at year end Rs.6,606 Rs.21,600 Rs.31,340 Rs.982.64

Notes:

  • 1. Monthly balance=Employee contribution+ employer contribution

  • 2. Interest amount= [Monthly balance X interest rate]/12


This is how your EPF account works and helps you build your savings over time. You can make these calculations yourself and then verify the same by checking your EPF account from time to time.

What is an EPF account?

The EPF account can be described as that government bank account where your EPF is invested. Once you sign up for the EPF, your EPF balance gets credited in to this account every month. You can use varied mediums to perform an EPF balance check on this account. You can check using the EPFO e-Sewa portal, Mobile app, and SMS by logging in with your UAN number.

Procedure to check your EPF claim status online

You can claim your EPF funds any time owing to an urgent requirement or to generate a regular income post retirement. To raise a claim with the EPFO successfully, you will need to follow a procedure listed below. But, before making your way to the EPFO portal, see what is required to raise a request.

To complete the procedure of knowing the EPF claim status, you need to have the following information with you:

  • 1. Your UAN

  • 2. EPF regional office details of your employer

  • 3. Establishment/Company details

  • 4. Extension codes as applicable


Once you have these details you can complete the procedure using the following steps:

  • Step 1: Visit the EPFO portal and then click on ‘Our services’ and then select the ‘For employees’ tab

  • Step 2: After that, click on ‘Know your Claim Status’

  • Step 3: In the next page that appears, enter your UAN, followed by the captcha code

  • Step 4: In the next page you will have to enter your state, select the EPF office from the drop-down menu, enter your establishment code and enter your account number.

  • Step 5: Once this is done, click on the ‘Submit’ button to check the status of your claim. Your claim status will be sent in SMS format on your registered mobile number.


How to check your passbook

You can check the details of the last few transactions made to your EPF account and view the balance in your account before you decide to raise a claim from your EPF account. You can easily check all these details by making use of your passbook.

By following these easy steps, you can successfully generate an EPF passbook to monitor your transactions and a keep a record.

  • Step 1: Log on to the EPF portal and get yourself registered.

  • Step 2: Update your profile by adding all your details like the mobile number, date of birth, etc.

  • Step 3: Click on “Get Pin” to generate a PIN.

  • Step 4: View the PIN sent to your registered mobile number.

  • Step 5: Log in using the PIN.

  • Step 6: Click on ‘Download E-Passbook’.

  • Step 7: Select your office state, office name, mention your organisation’s EPF code.

  • Step 8: Click on ‘Get PIN’.

  • Step 9: Once you receive the PIN on your mobile number, update it on the same link. After 3 working days, you will receive your EPF passbook on the same link. You will get intimation for it as a SMS based on which you can check and download the passbook.


How to claim a dormant EPF account

A dormant EPF account can be a problematic affair. Not only does a dormant account force your cash to get held up, but it also eliminates the potential use that can be made from the cash. With an approximate of Rs.26497 crore lying unclaimed in EPF accounts dormancy of accounts is beginning to get more common.

Follow the steps listed below if you have an unclaimed account and plan to liquidate it immediately:

  • 1. Log on to www.epfindia.com.

  • 2. Select the ‘For Employees’ section and under that click on ‘Inoperative A/c Helpdesk’.

  • 3. Once you do that, you will be directed to the helpdesk page.

  • 4. On this page, select the option ‘(a) First Time User Click Here to Proceed’.

  • 5. Once the next section arrives describe why your account has been inoperative in the ‘Problem Description’ section.

  • 6. Once this is done, on the next page you will have to provide all your relevant details like EPF no, company name and more. Once this is done click on ‘Next’.

  • 7. The next page will require you to enter all your KYC details like Aadhaar number, PAN number, bank account number and IFSC code.

  • 8. After that click on the ‘Generate PIN’. This will generate a notification that says ‘PIN successfully sent to your mobile’.

  • 9. Once this is done, enter the pin and then click on ‘Verify PIN and Submit’.

  • 10. Once you have successfully completed submission you will receive an SMS that contains your reference ID. You will also receive an ‘Acknowledgement’ on your screen.

  • 11. You can then log on to the Helpdesk log in as a registered member and enter your mobile number and reference number to check the status of your application.

  • 12. The request will be transferred to the field officer, who will then get in touch with you personally and assist you on steps to be taken further.


How to withdraw from an unclaimed account

Withdrawing funds from your unclaimed EPF account is a fairly simple process. All you need to do is identify the account and then take the following steps to complete the withdrawal.

  • 1. Log on to the EPFO website and fill up the claims form.

  • 2. Submit this form at your nearest EPFO office, either by post or in person.

  • 3. You will receive the amount within a period of 3-20 days.


Significance of the EPF name correction form

The EPF name correction form is a document that is similar to a letter addressed to the regional EPFO commissioner. It is usually for the purpose of rectifying any error in the personal details provided by you or your employer when registering your EPF account. You can carry out the corrections using a simple online process or do it using an offline system. Take a look at both here.

How to make corrections online?

If you want to save the legwork, you can easily do correction in your personal details online by the following steps.

  • 1. If you seek to change your mobile number, you need to visit the EPFO portal and login. Once you do that click on ‘Profile ‘and enter that section to easily change your phone number following the edit instructions.

  • 2. To make changes in the login ID or password without having your mobile phone registered, you need to raise a request through the EPF helpdesk portal.

  • 3. You can use the helpdesk to change and correct multiple details in your EPF account. You can do this by visiting the EPFO UAN portal. Then you can enter the EPF member portal and you then make as many changes you like the listed sections.


How to make corrections offline?

Alternative to the online method, you also have the provision to make the changes offline. However, to complete the process you need to ensure you have copies of the following documents:

  • - Passport

  • - Driving License

  • - PAN Card

  • - Aadhaar Card

  • - Voter Identity Card

  • - ESIC Identity Card

  • - Ration Card

  • - Bank Passbook copy

  • - A certificate issued by the Registrar of Birth or Death

  • - Any education certificate

  • - Certificate as proof of service in the Central or State Government Organisation

  • - Letter from a recognised public authority or public servant as a proof of identity and residence of the employee

  • - Copy of your telephone, water or electricity bill


Once this is done, you can follow this process:

  • - Complete filling the application and sign the duly filled form.

  • - Get a signature and seal from your employer on the form.

  • - Get the self-attested copies of all the documents listed above and attach them to your application.

  • - Submit the compiled application to your employer.

  • - The application will be delivered to the EPFO Field Office by your employer to carry out the changes.


What is EPF Form - 11 (New) Declaration Form?

The EPF Form 11 is a declaration form that an employee needs to fill, sign and submit at the time of joining an organisation that is registered under the Employer’s Provident Fund Scheme of 1952. Form 11 needs an employee to provide all personal details and is hence mandatory before an employee begins working at an organisation. It also offers you an option based on which you can opt in or opt out of the EPF scheme, owing to your preferences.

Withdrawing your EPF

Since the EPF stores and grows your money over time, it works as an invaluable reserve of finance. There are various circumstances where you might feel the need for money. In such a situation, it is important to be aware of the occasions where you are allowed to use your EPF as a source of funding.

Reasons to withdraw your EPF


Marriage

If you have completed 7 years with your EPF, you have the provision to withdraw up to 50% of the EPF balance to fund the costs of a marriage. While considering a withdrawal, remember only to consider your contributions and the interest accumulated on it as the amount which you can withdraw. So, for example if you have Rs.10 lakh in EPF then calculate and find out how much is your contribution within this sum, and then choose to withdraw that amount to meet marriage needs occurring from

  • a. your marriage or

  • b. your son or daughter’s marriage or

  • c. your brother or sister’s marriage


Medical emergencies

The medical emergencies that are counted and considered eligible for a EPF loan are:

  • 1. Getting a surgery done with hospital stay

  • 2. The hospital stay should be more than one month

  • 3. You are suffering from tuberculosis, leprosy, cancer, mental derangement, paralysis, heart problems, etc., and getting treated for any of the above medical problems.


You can use this privilege as per your medical emergencies as there is no cut-off in terms of number of years in service attached to medical conditions. However, to avail this successfully, you need to provide certain documents along with the Form 31. You need to ask your employer to provide a certificate stating that you are not part of any insurance scheme or privileges. Apart from that, you also need a certification from the doctor listing the purpose of medical treatment and the duration.

Construction or purchase of home

You can withdraw a sum of cash from your EPF account to purchase your home or construct it on a plot you own. In order to get your EPF money to fund your home buying needs you will only have to follow a few rules cited below.

  • 1. The home you purchase needs to be in your name, your spouse’s name or in the joint name of you and your spouse.

  • 2. To use the EPF funds for a home purchase or construction, you need to have completed at least 5 years of service in an organisation.

  • 3. The maximum amount that can be availed from the EPF for the purchase of a home can only be an amount that is 24 times that of your salary.

  • 4. You cannot use the EPF funds to purchase a property that is in legal dispute.

  • 5. The property being purchased should be a registered and proof of registration needs to be provided at the time of collecting the funds from the EPF.


Repaying existing home loan

You may want to foreclose your home loan or want to repay parts of it to bring down the overall loan tenor. You can make use of your EPF balance to tackle these situations. But to do so, you will have to follow some steps.

  • 6. You need to complete at least 10 years in service in your current organisation.

  • 7. Even after 10 years of service, you can only utilise this benefit of using your EPF funds for loan repayment, only once in your lifetime.

  • 8. Also, if you are already using the funds for purchasing a home, you cannot simultaneously use it for the purpose of repayment.

  • 9. You only receive an amount that is precisely 30 times that of your salary.


Further education

You can use your EPF to fund your child’s education in a reputed school or college. However, it is important to note that you can only use the loan you take against your EPF funds to pay for post-matriculation and educational expenses. You also need to complete at least 7 years of service in order to avail this benefit.

Alteration or home repairs and renovations

You also have the provision to use your EPF to fund home renovations and repairs. Just abide by a few rules and then withdraw money to fund these requirements.

  • - You can withdraw an amount that is maximum 12 times your salary.

  • - The property, building or flat that you are planning to renovate must be at least 5 years old.

  • - You must have provided 10 years of service to benefit from this privilege.

  • - This facility can be availed only once.

  • - The home that is to be repaired must be registered in your spouse’s name, your name or both of your names.

Why you shouldn’t withdraw the EPF before 5 years

While you can partially take a loan when you face emergency situations, withdrawing the entire amount of your EPF corpus will eliminate the bigger benefits that you may have reaped if you had allowed the EPF to grow over a longer term.

Take a look at the two most important reasons why you shouldn’t withdraw your EPF before maturity.

1. Your amount will be taxed

In case you end up withdrawing any amount from your EPF before 5 years, the amount that you withdraw will get added to your taxable income. Also, if the amount you withdraw before a period of 5 years is greater than Rs.50,000 then that amount is eligible for a tax cut of 10%. However, you can be exempted from paying this amount if you submit the form 15G or 15H along with your IT returns.

2. You won’t receive the benefits of Section 80C

If you claim benefits against your EPF contributions under Section 80C and withdraw the EPF in entirety, then in such cases, the interest earned on your own contribution would be taxed as income from other sources.

Procedure for withdrawing your EPF


1. Offline

  • - Get a PF withdrawal form and fill it carefully.

  • - Once this is done, organise all your KYC document photocopies and get them attested by a bank manager, gazetted officer, magistrate, or public notary officer.

  • - Prepare a letter stating why you wish to withdraw your EPF.

  • - Submit this to the regional EPF office.

  • - Once your application has been successfully approved, you will receive the amount you requested for within 3 months of the date of application.


2. Online:

  • - Visit the EPFO website and log in using the UAN and password.

  • - Click on the ‘Manage tab’ and verify your KYC details.

  • - Then you can visit the ‘Our Services’ section and click on the title that says ‘Claim’ from the drop-down list.

  • - Once you do that, under the section ‘I Want to Apply for’, choose the type of withdrawal you want to make.

  • - A drop-down box would then show you the types of withdrawal that you are eligible for.

  • - Once you select the type of withdrawal, your claim is complete. The claim is then forwarded to the employer for approval.

  • - Once your EPF withdrawal online process gets approved, the amount you requested for will be credited directly to your account within 10 days.



Where to register EPF grievances?

You may face certain issues or have questions regarding your EPF such as how to claim an inactive account or how to withdraw funds. To help you with these, the EPFO has a convenient grievance cell that has an effective management system to deal with doubts, complaints and issues that you may have.

Registering a grievance is simple and you can do so following a few steps.

  • 1. Fill in a grievance registration form with all your relevant details like your status of membership, PF number, related EPFO office, name of your establishment, address of your establishment, your name, address, phone number, and Email ID.

  • 2. Once this is done you can visit the ‘Grievance Description’ and write about the grievance that needs redressal.

  • 3. Once you do this, the grievance management system registers your grievance. The grievance management system also lets you send reminders in case your grievances have not been addressed.

  • 4. You can also view the status of your registered complaint by entering the grievance registration number, password and captcha code.


The lesser-known facts of EPF

Most information on EPF is available on the internet, and can be gathered through books too. But there are still some facts that no one tells you. Knowing these lesser-known facts will help you understand EPF better, so that you can utilise the benefits of this savings corpus to your full credit.

Here are the facts you should keep in mind:

You cannot withdraw the whole corpus

Since EPF is a savings scheme meant for the long term, it is against the rules to withdraw the full corpus saved even after 5 years of service.

It is illegal to withdraw during change of job

A common myth says that you can withdraw your EPF at the time of a job change. However, this is completely false. It is illegal to withdraw your EPF during a job change. Only if after leaving a job, you stay unemployed for a span of 2 months or more, then you can withdraw your EPF.

It is not compulsory for everyone

Whether or not you receive an EPF investment will depend on whether your organisation is registered with EPF and offers the EPF scheme to all its employees.

You can withdraw it on certain occasions

There can be various occasions or emergency situations when you will require funds. The EPF laws allows you to withdraw a partial amount from your savings for these occasions. However, this can only be done for up to 3 occasions in your life. However, if you need the funds for medical purposes you can withdraw a maximum of 6 times in your life. Also, you can withdraw from your account to pay for loan repayments only when you complete 10 years of having an EPF.

You can voluntarily contribute

While the basic contribution percentage is stocked at 12% of your salary, there is no stringent limit on this. You can easily increase this margin to 16% or 20% or even more to boost your savings. However, it is important to note that there is no law that binds the employer to do the same. Hence, no matter whether you increase your percentage to 20%, your employer will still continue to pay 12% contribution.

You receive a small insurance cover

For emergency cases, EPF also offers you an insurance cover of maximum Rs.60,000, thanks to the Employees Deposit Linked Insurance Scheme linked to the EPF. This scheme is only applicable if your organisation doesn’t offer insurance separately.

All you need to know about EPF claim forms

Form 31

The EPF Form 31 has to be filled by you and submitted if you want to generate an advance from your EPF account. This form can be used to get loans, make withdrawals or even raise advances from the account. While the advance generated does not need to be returned or refunded, it is important to note that you need to have a certain amount of a minimal balance to be eligible to avail this facility.

You can use the advance generated for a variety of reasons like housing loan repayment, education expenses, funding home repairs, financing marriages, medical emergencies, and even plot purchases. There are no such restrictions over the usage of this amount. However, raising funds for each purpose will require you to provide specific documents as proof.

Some of documents that you can furnish and will be considered valid are listed in the table below:

House repair (Allowed only once in your lifetime) Proof of bills or any other document that proves need for repair
Plot purchase Declaration form, copy of purchase agreement
Housing loan repayment Signed declaration
Medical treatment Certificate from physician, certificate from employer, and a certificate from a specialist (if needed)
Wedding Marriage certificate
Education Certificate from concerned institution or college.

Form 10C

Your EPF amount is sub-divided under various heads. One such division makes for the interest head and goes towards the EPS scheme. In case you want to withdraw funds from this head then you can do this easily by using Form 10C. After you fill and submit this form, you can easily withdraw the amount held under this section from the EPS account.

Form 13

This is a form that has to be filled when transferring your EPF balance from an old account to a new one. This form consists three sections:

Part A consists of fields that require you to fill in all your personal information like name, address and date of birth.

Part B has all the fields where you need to fill in all the details of your old EPF account.

Part C of the form requires you to fill in all the details of your current EPF account.

In case the establishment that you work at is not registered under the EPF Scheme then you would need to provide the number of your pension fund. Once that is done, you also need to get the Form 13 signed an attested by either your old or new employer.

Form 19

When you are planning to leave service at an organisation and want to withdraw your EPF you need to submit the Form 19. Filling this form and submitting it helps you receive the final settlement from your organisation. You may be eligible to use this form to get your final settlement under the following scenarios.

  • - If you have reached age of retirement, which is 55.

  • - If you are a part of the Voluntary Retirement Scheme.

  • - If you are retiring because of a physical or mental inability.

  • - If you are resigning the organisation.

  • - If you are discharged with compensation in accordance with the Industrial Dispute Act 1947.

  • - If you have been retrenched.

  • - If you are immigrating to a foreign country.


For any of the cases above, you will need to wait for a period of 2 months to be able to withdraw your EPF. Alternatively, if you leave your account inactive, it still continues to earn interest for a period of 3 years. However, your contributions will be stopped.

Form 20

This form has to be filled to settle your claim in the sole event of the death of the EPF holder. In such a case, once the form has been submitted and approved successfully, the balance will be transferred to your nominee, heir or beneficiary.

Form 5 (1F)

This form is used by a legal heir or nominee of the deceased EPF account holder or the guardian of the minor nominee or nominee or legal heir to claim the EPF.

Significance UAN in EPF

UAN stands for Universal Account Number. This is a 12-digit number that is provided to all EPF holders. This number is mandatory for all EPF contributors, be it you who is holding a personal account or your employer who is holding many EPF accounts related to all the employees of their organisation.

Take a look at why UAN is so important for all EPF holders.

  • It helps you manage your EPF account in a simpler and safer way. It lets you make hassle-free claims and transfers.

  • It lets you manage your account and make transfers, withdrawals and even generate E-passbooks without being dependent on your employer.

  • Since the number is linked to your mobile number, you can get easy notifications via SMS every time a deposit has been made towards your EPF.

  • It speeds up the time taken to withdraw your EPF and make claims.


How to activate or register your UAN

Generally the UAN will be provided to you by your employer. However, in cases where you have not received the UAN from your employer, you can follow a simple step-by-step procedure to generate a UAN for yourself.

  • 1. Log in to the EPFO website and click on the section that reads ‘Know your UAN Status’.

  • 2. Verify the details of your Aadhaar card and PAN card and receive the authentication PIN.

  • 3. Once you receive the OTP, type it in the space provided.

  • 4. The UAN or the UAN status would then be dispatched to you directly by SMS on your mobile number.


Simply receiving a UAN is not enough. This number has to be activated so that you can use it in the future. Follow the steps listed below to activate you UAN number.

  • 1. Log on to the ‘For Employees’ section on the EPFO website.

  • 2. Enter the ‘Our services’ page.

  • 3. Under the ‘Our services’ page, click on ‘Member UAN/Online Services’.

  • 4. Clicking on that will redirect you to the UAN portal.

  • 5. Here you need to click on the option that reads ‘Activate your UAN’.

  • 6. Then fill out a form to generate a pin.

  • 7. Once it has been generated, enter it and activate your UAN.

  • 8. Once this is done, you will receive a notification via SMS.

  • 9. You will also receive a password that you need for logging in to view all your details of your EPF on the UAN portal.


Once you have activated your UAN you can follow the steps below to add nominees to your EPF.

  • 1. Log in to your UAN portal and click on ‘Profile’.

  • 2. Once you enter this tab, select the ‘Edit Nomination Details’.

  • 3. You will then be redirected to the nomination form.

  • 4. This form will allow you to enter your personal details. However, if you have already registered your UAN, this section is already filled.

  • 5. This section also consists of all the registered nominees and details about your family members.

  • 6. Here you can manage your nominees by adding or deleting names.


An in-depth guide to checking your EPF balance online using UMANG

UMANG is an application that was launched by the government to help you access all government-related services within one platform. It is designed to bring more flexibility at your fingertips. You can access and pay utility bills on this platform, and access all your government investment accounts easily. The newest feature it offers is to help you check your EPF balance online.

You can do this with the following steps:

  • 1. Visit the EPFO option when you start the application.

  • 2. Go on the ‘Employee Centric Services’.

  • 3. Click on the ‘View Passbook’ selection and enter your UAN when asked.

  • 4. You will then be prompted to generate an OTP.

  • 5. Generate an OTP and enter the OTP you receive.

  • 6. This will unlock your ‘View passbook’ option enabling you to see all your EPF account details.


What is the EPF e-Sewa?

The e-Sewa is a portal that helps you carry out several tasks related to EPF conveniently without having to physically visit the EPFO offices. Using this portal will help you perform several tasks like claim your provident fund amount, check the status of your claim and even update your KYC information. To begin the use of the several facilities offered by EPFO e-Sewa you need to register your organisation on the portal.

Knowing these fact and features will help you understand your EPF account better, so that you can enjoy the benefits during times of need.

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