EPF Passbook – How to Download EPF Passbook Online

Learn how to download e-Passbook online & by UMANG app.
Download EPF passbook
4 mins
11 June 2024

EPF, or Employee Provident Fund, is a popular savings scheme in India, ensuring financial stability for employees. Both employers and employee equally contribute to employee’s EPF account, forming a significant financial resource. Our guide focuses on the EPF passbook, how one can download it, offering a seamless way to understand and manage your contributions, withdrawals, and balance.

What is an EPF passbook?

The EPF (Employee Provident Fund) passbook is a document that provides a comprehensive record of an individual's contributions to the EPF account. It includes details such as monthly contributions made by both the employer and the employee, the EPF account balance, and any withdrawals or transfers.

You can also download or view the EPF passbook but only after registering your UAN on the EPFO portal. The passbook becomes available 6 hours after registration.

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How to download EPF passbook online

If you are a member of the Employee’s Provident Fund, you can easily view and download your EPF passbook online in easy steps. Here are the steps to follow:

Step 1: Visit the official website of EPFO.

Step 2: Click on 'For Employees' under the 'Our Services' section.

Step 3: Go to ‘Member Passbook’ option and click on it.

Step 4: Enter your UAN and password generated on the EPF member portal and click on the ‘Login’ button.

Step 5: The page will display all member IDs linked to your UAN.

Step 6: Choose your EPF account by clicking 'Select Member ID'.

Step 7: Click on 'View Passbook'.

Step 8: Your EPF Passbook will open in PDF format in a new tab.

Step 9: Click 'Download Passbook' to get your EPF passbook.

How to download EPFO member passbook using UMANG app

To download your EPFO member passbook using the UMANG (Unified Mobile Application for New-age Governance) app, follow these steps:

Step 1: Download the UMANG app from the google play store or app store.

Step 2: Within the 'All Services' tab, select the "EPFO" option.

Step 3: Under 'Employee Centric Service', choose 'View Passbook'.

Step 4: Enter your UAN to receive an OTP on your registered mobile number.

Step 5: Enter the OTP received to proceed.

Step 6: The UMANG app will display member IDs for all EPF accounts linked with your UAN. Click on the EPF member ID you want to view and download the EPF passbook.

Additional readHow to Login EPFO Online

Who can access the EPF passbook online? 

Most EPF members can easily view their passbook online through the EPFO portal. However, certain individuals are not eligible for online access, including:

  • Inoperative members: Those with inactive EPF accounts due to prolonged non-contribution.
  • Settled members: Individuals who have withdrawn their entire EPF balance upon retirement or leaving employment.
  • Exempted establishment members: Employees of organizations with their own EPF trusts, exempt from the EPFO's purview.

Services Available on EPFO Member Passbook Portal

Services available on EPFO member passbook portal include:

  • View summary of your EPF passbook profile
  • Check your EPF personal profile and KYC information
  • You can view and download your EPF passbook
  • Check the status of your EPF claims
  • Use the EPF, EDLI, and pension/EPS calculator

EPF passbook details

Your EPF Passbook holds valuable details, like:

  1. Member’s ID
  2. Name and date of birth of the member
  3. Employer's name
  4. Employee & employer’s share towards EPF
  5. Employee & employer’s contribution towards EPF
  6. Withdrawal from employee if any
  7. Date & time of printing the passbook
  8. Total balance

How is EPF passbook updated

When there are any deposits or withdrawals from the EPF account, the EPFO quickly updates the EPF passbook. Note that the passbook shows only the month and year of the transaction, not the date. If you do not see any updates, check again after a few days and make sure your passbook is correctly updated.

What is pension contribution in EPF passbook?

The pension contribution in the EPF passbook is the part of your monthly contribution that goes toward Employee Pension Scheme (EPS), which provides pension to the employee after retirement.

Both employee and employer will contribute 12% each to employee’s EPF account. From the employer's 12% contribution, 8.33% (up to Rs. 15,000) is directed to the Employee Pension Scheme (EPS), and the rest is allocated to the EPF.

This is specifically done for building a pension corpus for the employee. This contribution is visible in your EPF passbook, showing the amount set aside for future pension benefits.

How to check tax payable on EPF balance

If your total EPF contributions for a financial year exceed Rs. 2.5 lakh, the interest earned on the additional amount may be taxable. The tax rate is 10% if you've submitted your PAN and 20% if you haven't. Fortunately, you can easily check your potential monthly tax liability on the EPF member portal. Here is the step-by-step process:

  1. Log in EPFO portal using your UAN and password.
  2. Choose the “Passbook” tab and select the member ID of the EPF account for tax details.
  3. Click the "View Taxable Data" button to see your potential taxable balance for each month.

How to check EPF claim status via EPF passbook portal

To check EPF claim status via the EPF passbook portal, follow these steps:

Step 1: Log in to the EPF member passbook portal using your UAN and password.

Step 2: Select “Claims” tab.

Step 3: You'll see a dashboard showing:

Step 4: Total claims filed

  • Number of approved/settled claims
  • Number of rejected claims
  • Number of claims pending/in-process

How to view your service history via EPF passbook portal

To view your service history via the EPF passbook portal, follow these steps:

Step 1. Log into the portal: Access the EPF member portal with your UAN and password.

Step 2. Find the service history section: Click on the "Service History" tab.

Step 3. Check your record: You will see details including:

  • Total years of experience
  • Start and end dates at each company
  • NCP days (Non-Contributory Period)
  • Employer information

How to use the EPF, EDLI and EPS calculator on the EPF passbook portal

The EPF Passbook Portal offers calculators to estimate your future EPF, EDLI, and EPS amounts.

1. Log in to the EPF Passbook Portal using your UAN and password.

2. Click "Calculators" tab

3. Choose the specific calculator you want to use:

  • EPF Calculator
  • EDLI Calculator
  • Pension Calculator (EPS)

Other ways to check your EPF account balance

1. EPF balance check via SMS

To check your EPF balance via SMS, follow these steps:

  • Steps for checking PF contribution and balance via SMS:
  • UAN activated members can check their latest PF contribution and balance with EPFO.
  • Send an SMS to 7738299899 from the registered mobile number.
  • Type “EPFOHO UAN” and send it to 7738299899.
  • The service is available in English by default.
  • It also supports Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, Malayalam, and Bengali.
  • To receive SMS in languages other than English, add the first three characters of the preferred language after UAN. For example, to receive SMS in Telugu, send “EPFOHO UAN TEL” to 7738299899.
  • SMS should be sent from the registered mobile number of UAN.

2. EPF balance check via missed call

To check your EPF balance via missed call, follow these steps:

You can inquire about your EPF balance with a missed call to the authorized phone using your registered mobile number. This service requires the integration of your UAN with your KYC details.

  • Give a missed call to ‘9966044425’ from your registered mobile number.
  • After the missed call, you will receive an SMS containing your PF details.

Requirements for EPF Balance check through missed call:

  • Ensure your UAN is activated.
  • Your mobile number must be registered with the UAN as the missed call facility works only from the registered number.
  • The UAN should be linked with essential documents like PAN, Aadhaar, and a bank account.

Additional ReadHow to Find your UAN Number Online

3. EPF balance check via UMANG app

To check your EPF balance via UMANG app, follow these steps:

Step 1: Install the UMANG app on your device.

Step 2: Open the app and click on the EPFO option.

Step 3: Choose the "Employee Centric Services" option.

Step 4: Click on "View Passbook" to proceed.

Step 5: Enter your UAN and fill in the One-Time Password (OTP) sent to your registered mobile number.

Benefits of EPFO e-passbook

The benefits of EPFO e-passbook include:

  1. Real-time information: It offers real-time information about EPF transactions, including contributions, withdrawals, and balance, ensuring transparency.
  2. Reduced dependency on paper records: Reduces the reliance on physical documents, promoting a paperless approach and contributing to environmental sustainability.
  3. User-friendly interface: The e-passbook is designed with a user-friendly interface, making it easy for individuals to navigate and understand their financial transactions.
  4. Access to historical data: Provides access to historical data, allowing employees to track their EPF contributions across various employment periods.
  5. Saves time and effort: Eliminates the need to visit EPFO offices or to contact employers for PF details, saving time and effort for both employees and employers.

If you seek a safe investment option like PF, consider fixed deposits. They offer secure, predictable returns. Bajaj Finance, a leading NBFC, provides competitive interest rates of up to 8.85% p.a. on their FD.

Conclusion

This guide simplifies EPF management, offering steps to access your passbook and understand contributions, using SMS, missed calls, or the UMANG app for easy balance checks. The EPFO e-passbook ensures real-time data, reducing paperwork by helping employees with a transparent and efficient EPF experience.


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Frequently asked questions

Who can download the EPF passbook online?

Any individual with an active Employees' Provident Fund (EPF) account and a registered Universal Account Number (UAN) can download their EPF passbook online.

When will the EPF employee passbook updated online reflect in the passbook?

Changes or updates made on the portal will be visible in the EPF member passbook after a waiting period of 6 hours.

Can I access passbook without using UAN?

No, accessing the EPF passbook generally requires the use of the Universal Account Number (UAN).

When is the EPF India passbook generated online?

The passbook is generated within 6 hours after the member registers on the EPF portal.

Are entries mentioned in the passbook validated by EPFO?

EPFO field offices verify e-passbook entries and update them accordingly.

How to login if I forget the EPF password?

If you forget your EPF passbook password, you can reset it on the EPF unified member portal.

Why can't I see my EPF passbook?

If you cannot see your EPF passbook, ensure your UAN is activated and linked to your EPF account. Contact your employer or EPFO for assistance.

How can I check my EPF passbook status?

Check your EPF passbook status by logging into the EPFO portal with your UAN and password. Navigate to the 'Passbook' option to view your account details.

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

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