How to Download EPF Passbook?

In Summary

This guide explains available access methods, eligibility requirements, passbook information, troubleshooting routes, and important improvements introduced through EPFO digital services recently.

• An activated UAN and portal password are required for detailed access, while UMANG relies on OTP verification through mobile numbers.
• Passbook entries show employee deposits, employer deposits, EPS allocations, interest credits, withdrawals, transfers, and balances for each linked member ID.

• Passbook Lite provides a summary inside the member portal, while the separate passbook portal retains comprehensive viewing and download options.

  
  

Regular checks help identify missing deposits early and create reliable records for transfers, withdrawals, taxation, claims, and retirement planning decisions. EPFO records periodic contributions, interest, withdrawals, and transfers, helping employees compare payroll deductions against deposits before changing employment or filing claims.

What is an EPF passbook?

An EPF passbook shows employee contributions, employer contributions, pension allocations, interest credits, withdrawals, transfers, and the closing balance for every employment-linked account. Each member ID normally has a separate record, making it easier to identify delayed contributions or incomplete transfers between different employers.

For members who want to view their complete provident fund transaction history, the EPFO Member Passbook portal provides a detailed record of account activity. It can be useful when you need to review employer and employee contributions, withdrawals, and interest entries or retain a copy of the passbook for your records.

Steps to access your EPFO passbook

1. Open the official EPFO Member Passbook portal and access the login page.
2. Enter your UAN, password, and captcha to sign in securely.
3. Select the relevant member ID if multiple member IDs are linked to your UAN.
4. Open the complete passbook view to access your account transaction details.
5. Review the entries for contributions, withdrawals, and interest credited to the account.
6. Download or print the passbook, if the relevant option is available, for future reference.

UMANG provides mobile passbook access through EPFO services, using the member’s UAN and an OTP sent to their registered number.

Steps

1. Install and open the UMANG app
2. Select EPFO under available services
3. Choose Employee Centric Services
4. Select View Passbook
5. Enter your UAN and verify the OTP
6. Choose the required member ID and download the record

Additional read: How to Login EPFO Online

How to view the UAN passbook online?

After signing into the member portal, choose Passbook Lite for a quick summary or open the portal for complete account records.

Your UAN passbook gives you a snapshot of your savings, but why stop there? Convert your EPF withdrawals into a Fixed Deposit and secure higher returns with up to 8.15% p.a.! 

Who can access the EPF passbook online?

EPF members with an activated UAN and valid login credentials can generally access their passbook online through the EPFO portal.

However, availability depends on the account’s status and whether EPFO or an exempted employer-managed trust maintains the provident fund records.

• Inoperative members: Members with long periods of non-contribution may see limited or delayed information, although historical records can remain available after login.
• Settled members: Members who fully withdrew their EPF balance may see closed-account information, but no further contributions will appear after settlement online.

• Exempted establishment members: Employees generally receive provident fund statements from their employer-managed trust because EPFO may not maintain their contribution records.

  
  

Members facing missing information should contact their employer, trust administrator, or EPFO helpdesk after confirming that their UAN credentials work.

How to generate a password to check your EPF passbook?

Use Forgot Password on the UAN Member Portal when existing credentials no longer allow secure access to your EPF records online.

Steps

1. Open the UAN Member Portal
2. Select Forgot Password
3. Enter your UAN and captcha
4. Verify the registered mobile number
5. Enter the received OTP
6. Create and confirm a strong password

New UAN generation and activation are completed through Aadhaar-based Face Authentication under EPFO services within the UMANG app during 2026.

EPF Passbook details

How is EPF passbook updated?

EPFO updates the passbook after employers file contribution returns and payments are processed, so entries may not appear immediately online. If expected contributions remain absent, compare salary records first, contact the employer, or raise an EPFiGMS grievance with supporting evidence promptly.

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. The pension contribution is the employer-funded portion directed towards EPS, while the remaining employer share enters the member’s EPF balance. Typically, employees contribute 12% of applicable wages, while 8.33% from employer contributions, subject to ceilings, funds EPS benefits for members.

How to check tax payable on EPF balance?

Interest attributable to  EPF contributions above Rs. 2.5 lakh during a financial year is taxable when the employer also contributes. If no employer contribution exists, the annual threshold is Rs. 5 lakh; taxation follows applicable income-tax rules for the financial year.

Steps

1. Sign into the EPFO passbook portal
2. Select the relevant member ID
3. Choose View Taxable Data

4. Review taxable and non-taxable contribution records

   
   

How to log In to Your EPF Passbook to check status claims?

You can check your EPF claim status through the member passbook portal using your Universal Account Number and password securely online.

Step 1: Visit the EPF Member Passbook Portal and sign in using your UAN, password, and captcha.

Step 2: Select the ‘Claims’ tab after logging in.

Step 3: Review the claims dashboard, which displays:

• Total claims filed
• Approved or settled claims
• Rejected claims

• Pending or in-process claims

  
  

How to view your service history via EPF passbook portal?

You can view your employment record through the EPF passbook portal by accessing the Service History section after signing in.

Step 1. Log in to the portal: Access the EPF member portal using your Universal Account Number (UAN) and password.

Step 2. Open service history: Select the ‘Service History’ tab from the available options.

Step 3. Review your employment record: The section displays:

• Total service duration
• Employment joining and exit dates
• Non-Contributory Period (NCP) days
• Employer name and establishment details

• Member ID associated with each employer

  
  

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

The EPF passbook portal provides calculators for estimating Employees’ Provident Fund, Employees’ Deposit Linked Insurance, and Employees’ Pension Scheme benefits.

1. Log in to the EPF passbook portal using your UAN and password.
2. Select the ‘Calculators’ tab.
3. Choose the calculator relevant to your requirement:

• EPF Calculator
• Employees’ Deposit Linked Insurance (EDLI) Calculator

• Employees’ Pension Scheme (EPS) Calculator

  
  

Enter the required details carefully and treat the displayed amount as an estimate because final benefits depend on verified EPFO records.

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 Read: How 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.

Reduced dependency on paper records educes the reliance on physical documents, promoting a paperless approach and contributing to environmental sustainability.

2. 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.

3. Access to historical data

Provides access to historical data, allowing employees to track their EPF contributions across various employment periods.

4. 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 8.15% p.a. on their FD.

EPFO launches passbook lite: Check features

Earlier, employees had to visit a separate Passbook Portal to view details of their PF contributions and withdrawals. With the introduction of Passbook Lite, members can now access the same information directly through the EPFO Member Portal using a single login, making the process faster and more convenient.

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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