epf india

EPF Withdrawal using UAN Number in unifiedportal-mem.epfindia.gov.in

Procedure of Withdrawing Employee Provident Fund (EPF Withdrawal) using UAN Number in unifiedportal-mem.epfindia.gov.in website….
Provident Fund is one of the best tools for creating a financial corpus for the future. In this scheme, a part of the basic salary of the employee has reduced. As per the government instructions, the individual will get the interest on the amount. Once you take retirement then the whole amount, along with the attention, given to the employees. Some of the money will transfer towards the EPS [Employee Provident Scheme]. There are several ways you can check the amount of EPF here. 

If you are retired and feel that you want to get your money, there is a EPF withdrawal procedure. An EPFO member has to wait for more than two months to apply for the withdrawal of his or her PF claims.

epf withdrawal
Epf Withdrawal

How to Withdraw EPF Balance Amount using Universal Account Number (UAN)

There are two main ways in which one can withdraw their EPF, and they include;

  1. PF Withdrawal by physical application
  2. EPF Withdrawal using the online portal

PF Withdrawal using the Physical Application
The first step is to visit the Employee Provident Fund Organization portal using this link: https://epfindia.gov.in uan login

  • After logon into the above mentioned website.
  • Go to the ‘Our Services’ option on the home page, and a drop-down menu will appear to select the option ‘Act and Schemes’ and click on it.
  • You will be redirected to a new page showing you the provisions Act needed, one should download them.
  • After downloading, fill in the new composite claim form and ensure that all details filled are correct.
  • Submit your form to the respective EPFO jurisdiction office.
  • After the organization has done the review, the amount claimed will be transferred to your bank account for easy withdrawal.

EPF Withdrawal by using the Online Portal

  • To withdraw using the portal, visit the Universal Account Number portal using this link: https://unifiedportal-mem.epfindia.gov.in/
  • On the right-hand side of the home page, you will be required to fill in your login details. Key in your UAN number, UAN password, finalize by entering the captcha code given below and press the option ‘Submit.
  • Click on the tab with the option ‘ Manage’ and a drop-down menu will appear to select the KYC to confirm whether your KYC details like the PAN, Bank details and Aadhaar are accurate and verified.
  • After your KYC details have been verified, on your homepage, go to the option ‘Online Services’ a drop-down menu will appear to select the option ‘Claim’ and press on it.
  • You will be redirected to a new page where your ‘Claims ‘ will be displayed. You will be able to see details all your details and KYC details.
  • The next step is to click on the tab ‘Proceed for Online Claim’ to submit your claim form.
  • Ensure that in your claim you specify the type of application you require because there are different types, which include full EPF statement, EPF part withdrawal for either the entire loan or an advance, pensioned withdrawal and many more.
  • Under the tab, ‘I want to apply for’ select your desired claim request and click on it. After some time your money will be deposited in your bank account.
  • In case you notice that on the option ‘Proceed to claim’ that a drop-down menu is not appearing due to the service criteria it is important to visit the EPFO. This means that you are not able to receive these online services like pension withdrawal or PF withdrawal it is because you are not eligible for any EPF services.

It is also important for members to note that in case one is applying online for EPF partial withdrawal like a loan or an advance, you do not require submitting any documents for application.

How to Withdrawal EPF using UAN Number?

  1. How to withdraw 100% PF amount?

    You will first have to Login to the EPFO website with your Universal Account Number (UAN), password and Captcha. Click on ‘Online Services’ tab and choose the relevant form from the options displayed. Enter the last four digits of the bank account number linked with the provident fund account and click on ‘Verify’ button.

  2. How to withdraw PF amount using UAN?

    First things first, login to EPFO e-SEWA portal using your UAN and password. After successful login, choose the relevant form (Form-31, 19, 10c & 10D) in the online services section. Enter your bank account details before confirming Terms and Conditions. Fill in the details before uploading the necessary documents. Enter the OTP sent to your registered mobile number to submit your claim application.

PPO Pension Status – Know your PPO Number in mis.epfindia.gov.in

Track your PPO Pension Status using PPO Number and Know your PPO Number using Member ID or Bank Account number in mis.epfindia.gov.in website…..
Pension Payment Order commonly abbreviated as PPO is a 12 digit number that is given to every pensioner regardless of whether you are working in the public or private sector. 

Pensioners only have to look for a device that can access the internet together with an internet connection before using this site. You will then have to follow the step by step guide given below to get to know your PPO Number by using Member ID or Bank Account Number.

Know your PPO Number using Member ID or Bank Account Number

  • Entеr httрѕ://mіѕ.ерfіndіа.gоv.іn/ іn thе search bаr оf уоur brоwѕеr. Thіѕ lіnk wіll rеdіrесt уоu tо thе home раgе оf thе Epfindia wеb аррlісаtіоn.
  • Yоu wіll thеn nееd tо ѕеlесt thе ‘Sеаrсh Mеmbеr ID’ орtіоn оn thе nеw раgе thаt appears оn thе screen. Rеtіrееѕ саn аlѕо dесіdе tо uѕе thе ‘Choose bank ассоunt numbеr ѕеаrсh’ орtіоn.
  • Anу реnѕіоnеr whо uѕеѕ thе ‘Chооѕе bаnk ассоunt numbеr search’ орtіоn wіll nееd tо enter thе ассоunt numbеr.
  • Entеr уоur mеmbеr ID іn thе ѕрасе rеѕеrvеd fоr thіѕ іnfоrmаtіоn whеn uѕіng thе ‘Search Mеmbеr ID’ орtіоn.
  • Click thе ‘Send’ buttоn аftеr typing thе mеmbеr ID correctly. Thіѕ асtіоn wіll generate a bоx frоm whісh уоu саn vіеw thе dеtаіlѕ оf thе mеmbеr ID ѕuсh аѕ thе PPO numbеr, thе type оf реnѕіоnеr аnd thе nаmе оf thе реnѕіоnеr.
PPO Pension Status
PPO Pension Status

How to Know PPO Payment in mis.epfindia.gov.in Website

Retirees mау аlѕо hаvе thе opportunity tо іnԛuіrе аbоut thеіr Pensioner Provident Organization PPO рауmеnt simply bу rеlуіng оn thе Eрfіndіа wеbѕіtе. Sometimes thіѕ асtіоn саn bе dіffісult tо реrfоrm еѕресіаllу іf уоu hаvе nеvеr uѕеd Epfindia Wеbѕіtе bеfоrе.

  • You will first have to enter https://mis.epfindia.gov.in/ on the search bar of your browser. This is regardless of whether you are using Google Chrome, Internet Explorer or Mozilla Firefox.
  • Press the ‘Enter’ button on your keyboard once you type in the above link correctly.
  • You will be redirected to the homepage of Epfindia website from where you should click on ‘PPO Enquiry / Payment Enquiry’. This option can be clearly seen on the services menu of Employees Provident Fund Organization Website, India.
  • A log in page will appear on your screen. Enter the login details correctly after which you should click on “Login” button to access your account.
  • Next, fill in all the mandatory details correctly in the space set aside for each information. These details include Date of Birth, PPO Number and the PPO office.
  • Enter the captcha code as it appears in the image. Alternatively, you can click on ‘Refresh’ button to generate a new captcha image.
  • Click on ‘Submit’ button after filling in every detail.
  • Now, choose the Pension Enquiry option that is present on the left side corner of this current page.
  • You will have to click on ‘PPO Enquiry’ option to have a look at the details. This action will open a new page from where you can see your PPO payment details.

How to track PPO Pension Status using PPO Number in mis.epfindia.gov.in

Knowing the PPO Pension status using PPO number is now very easy thanks to Employees Provident Fund Organization Website, India.

  • Open your browser and enter https://mis.epfindia.gov.in/ as the official link for accessing Epf India web application.
  • Hit the ‘Enter’ button on your keyboard to access the page. This action will open the homepage of Epfindia Website.
  • Alternatively, you can use https://mis.epfindia.gov.in/  to access the page for checking your PPO Pension status.
  • A new page will appear on your screen from where you should select the office that issued your PPO. These details will appear in a drop-down list.
  • Next, type in your PPO Number in the box that is specifically set aside for this number.
  • Click on ‘Get Status’ button after typing in your PPO Number. You will then be able to see the PPO Pension Status without facing any difficulty whatsoever.

With Epf India website, you will never have to worry about getting any service that they have to offer.

How to Find PPO Pension Status and How to Know your PPO Number in mis.epfindia.gov.in?

  1. How to Find PPO Number by using Member ID?

    You will first have to visit the official website of EPFO. From the portal’s homepage, you need to click on the ‘Pensioners Portal’ option. Select ‘Know Your PPO No’ and enter you ‘Member ID (PF Number’ correctly. Click on the ‘Submit’ button and the PPO number will be displayed on your screen.

  2. How to find PPO Pension status?

    To check the Pension Payment Order (PPO) status, you simply have to visit the Pensioners’ Portal of Department of pension & Pensioners’ Welfare. Here, you have to provide the PPO number and select a month to check PPO status. Once you feel all the details correctly, your PPO status will be displayed on the screen.

Epfigms.gov.in – EPF Grievance Portal Services List

Services Offering List in EPF Grievance Portal https://epfigms.gov.in/….
We have discussed in detail about how the unified portal of the EPFO can be used to access all the services related to your PF account. However, it sometimes happens that we have some queries and we want to approach someone who can help us with those queries. In such condition, you can use the EPF India grievance website. Not only this website is used to solve a query, but also to lodge a complaint.

Grievances addressed by the EPF grievance portal at epfigms.gov.in:

So now the question is, what types of grievances or complaints regarding EPF can be registered on the EPF grievance portal i.e epfigms.gov.in? Well one can raise any type of complaint about the problem he / she faced while using the epfigms.gov.in website or its services, but the main issues about which one can register the complaint are:

  • Related to EPS (10 C / the scheme certificate)
  • In relation to the withdrawal of PF.
  • Form 13 for transfer of PF.
  • PF Balance issue.
  • Misplace / Return of Cheque.
  • Settlement of pension.
  • Withdrawal of PF.

Important things to know about the epfigms.gov.in:

So now you know about the wide arena of issues on which you can seek help or raise a complaint. In short, the main highlights of the website are:

  • On the site, any EPF member, employer or pensioner can lodge the complaint at any time.
  • One can ever raise the complaint against the employer as well.
  • A complaint can be raised against any related EPFO also.
  • All complaints on the epfigms.gov.in website have a resolve time of 30 days.
  • If someone wants to get a quick resolution of the complaint, one can send the reminders of the same via this grievance portal.
  • One can check the status of the complaint any time.
  • If one does not get a satisfactory reply from the EPFO in the expected time of 30 days, one can even file RTI.

The process to file the online complaint on the EPF Grievance Portal:

Visit the site of the EPF grievance portal i.e. https://epfigms.gov.in

If you want to register any grievance, just click on the ‘Register Grievance’ option present on the home page.

epfigms.gov.in
Epfigms.gov.in

Now you will be taken to a new window with the heading Grievance Registration Form, where you need to enter all the required details which are marked with an asterisk (*). You have to fill three types of information on this form.

  1. EPF related information.
  2. Personal Information.
  3. Grievance Information.

1. Enter EPF Details:

Let us start with the very first one ‘Enter EPF Details’

  • In the very first column of ‘Select Status’, you have to choose from the following four options: (a) PF Member (b) Employer (c) EPS Pensioner and (d) Others. Choose as per your wish. But if PF number is not known to you, choose the ‘Other’ option from the drop-down list.
  • Now enter your 12 digits UAN Number.
  • After that fill in all the details related to the PF. There is a specific format of the PF Number. First the region code, then the office and Establishment code, and then the extension or account number. Remember, if the extension is not known to you, you can enter three zeros (000) there to generate the PF number.

Note: Based on your PF Number, the employer and EPFO office details get filled automatically in the form.

2. Enter Personal Details:

  • Here, you first need to enter your name, if you are making the complaint. If you are raising the complaint on behalf of someone, you need to enter the name and address of the complainant.
  • Now simply enter the name of your country, state, and Pin code of your residence or office. You can enter the phone number, however, it is optional. We recommend you to fill at least the mobile number and email ID for the purpose of convenience.

3. Enter Grievance Details:

  • In the enter grievance detail column, the first column that you need to fill in the ‘Grievance Category’. There are a lot of pre-selected categories to choose from. Choose the best category meeting your criteria.
  • Once you have chosen the category of the grievance, you have to provide a description of your grievance in not more than 5000 characters.
  • If you have any supporting documentation in favor of your complaint, you can attach the same in the next option of ‘Upload file’. The file needs to be attached only in the format of the pdf file.
  • After uploading, click on the ‘Attach’ tab and then enter the Captcha code.
  • Now finally click on the ‘Submit’ button. 

Note: It is highly advisable that you must note the registration number of the complaint. It is because this registration number is always needed if one wants to track the status of the complaint. One can even send the reminders with the help of this registration number.

How to Register a Complaint in EPF Grievance Portal Epfigms.gov.in?

  1. How to register Grievance using PF Number at epfigms.gov.in?

    Visit Employees Provident Fund Internet Grievance Management System and click on the ‘register Grievance’ option. From the options that appear, you have to select ‘PF Member.’ Correctly enter all the required details, after which you should click on ‘PF Number’ to lodge EPF grievance. Choose the grievance category, grievance description and upload all supporting documents if available.

  2. How to register Grievance through EPF Pensioner at epfigms.gov.in?

    Visit http://epfigms.gov.in/ using your smartphone or Personal Computer. On the portal’s homepage, you need to click on ‘Register Grievance’ option to register EPF complaints. Select ‘EPF Pensioner’ from the list of options that appear. It is then that you have to fill in the required details and upload the necessary documents if any. Click on ‘Submit’ button register grievance through EPF pensioner.

  3. How to register Grievance through Employer at epfigms.gov.in?

    You should pay a visit to the Employees Provident Fund Internet Grievance Management System. Here, click on the ‘Register Grievance’ option from the menu bar. To proceed, you need to select ‘Employer’ from the list displayed. Now fill in everything that is needed before you can finally click on the ‘Submit’ button.

Online Aadhaar Verified UAN Allotment in unified portal website

Procedure on Online Aadhaar Verified UAN Allotment in https://unifiedportal-mem.epfindia.gov.in website……
The Employee Provident Fund Organization has made it mandatory for all their members to link their Aadhaar number to their EPF account.  This is after the organization has introduced most of their services online for their members. Services being offered online include PF account balance, PF statements,submitting online PF transfers, partial / full withdrawal of money from your PF account and many more.

This leads to the process of generating the UAN number consuming lots of time and resources. To save the members from this hassle, the EPFO launched the Aadhaar Based UAN allotment program to assist them in generating the UAN number by themselves without the help of their employers.

UAN Allotment
UAN Allotment

How to verify Online Aadhaar Verified UAN Allotment in unifiedportal-mem.epfindia.gov.in

This is because the registered mobile is important when it comes that verifying your Aadhaar details. Below is a step by step guide on how to activate the Online Aadhaar Verified UAN Allotment via online through Aadhaar Number and also officials of EPFO has started a new service on Link Aadhaar Number without UAN.

  •  Visit the Employee Provident Fund Organization official website using this link; https://unifiedportal-mem.epfindia.gov.in/
  • On the top right-hand side of the homepage, select and click on the option ‘Online Aadhaar Verified UAN Allotment.’
  • You will be redirected to a new page where you will be required to enter your Aadhaar Card Number and hit on the‘Submit’ option.
  • A one-time password will be sent to your registered mobile number that you used while recording with the Aadhaar Card.Those who have not enrolled any mobile number with Aadhaar cannot generate their own UAN unless with the help of their employer.
  • Enter the password sent in the respective field, tick on the disclaimer box and press the ‘Submit’ option.
  • You will be redirected to a new page where you will see your all your details as you recorded them during Aadhaar Registration.
  • Ensure that the details are correctly filled and enter the blank spaces asking you to enter details like Email address, marital status, and qualification. It is mandatory to fill in all the blank spaces to move forward.
  • Also, confirm your KYC details like the name as per Aadhaar and the Aadhaar number and ensure they are accurate.
  • You will then be required to enter information on the blank spaces marked red. The empty spaces have questions like E-mail address, marital status, qualifications, name, date of birth, gender, postal address and postal code, and father or husband name.
  • Verify that all the information is relevant and accurate, enter the captcha code given below and enter a tick on the disclaimer box to agree to the terms and conditions of the organization.
  • Finally, hit on the ‘Register’ option as shown in screen.
  • A Universal Account Number will be allocated to you, and a message will be sent to your registered mobile number.

To simplify this, EPFO launched the direct UAN allotment services using Aadhaar for their members. Indian employee scan now generate their UAN based on their Aadhaar number.

How to check Online Aadhaar Verified UAN Allotment?

  1. How to verifying Online Aadhaar UAN Allotment?

    Visit the official website of EPFO from the comfort of any location. From the portal’s homepage, select ‘Online Aadhaar Verified UAN allotment’ link. This action will redirect you to the Direct UAN Allotment webpage where you should enter your 12-digityal Aadhaar Number. Click on ‘Generate OTP’ and enter the OTP sent to your mobile number to get allotted Aadhaar verified UAN.

  2. How to Register in EPFO Unified Portal?

    Visit EPF Member Portal and click on the ‘Activate UAN’ option that is under the ‘Important Links’ section. Enter your details and click on ‘Get Authorization PIN.’ Enter the OTP sent your registered mobile number to activate your UAN account. A system generated password will them be sent to you through SMS.

PPO Enquiry or PPO Payment Enquiry at mis.epfindia.gov.in

Track the Pension Payment Order PPO Enquiry or PPO Payment Enquiry at https://mis.epfindia.gov.in/PensionPaymentEnquiry/ website…..
Pension Payment Order (PPO) is a 12-digit number that will come in handy whenever you want to get pensions status and payment enquiry information without going through a lot.   In fact, it serves as an important number of pensioners or individuals who are about to attain their retirement age.  While submitting a life certificate every year, it is in your best interest that you also mention this PPO number.

PPO Enquiry
Pension Payment Order Enquiry

Pension Payment Order PPO Enquiry / PPO Payment Enquiry at mis.epfindia.gov.in

Completing the PPO pension process does not have to be the underlying reason why you’re going through a hard time. As long as you own an internet-enabled device and can access a strong network, you’ll complete everything in a matter of minutes. To help you get started, below are the simple steps you ought to follow before you can finally complete the PPO enquiry or payment enquiry procedure.

  • Open a web browser of choice and type in https://mis.epfindia.gov.in/PensionPaymentEnquiry/ as the URL on the search tab
  • Tap the ‘Enter’ button to initiate a search. This action will redirect you to the homepage of Epfindia Portal
  • Here, click on the ‘Enquiry / Payment Enquiry’ option that can be seen clearly on the menu bar
  • On the new page that appears, you have to correctly fill in all the mandatory details including Issued Office, PPO Number, and Date of Birth
  • Now correctly type in the ‘Captcha Code’ just as it appears on the image
  • If you cannot see the Captcha Code, simply click on the ‘Regenerate’ button to generate a new one.
  • Once you fill in the Captcha Code, you will have to click on the ‘Submit’ button
  • Next, select the ‘Pension Payment Enquiry’ option on the left-hand side of the page
  • Click on the ‘Enquiry’ option after which your PPO details will be displayed on the screen of your device. You’ve now completed the procedure on the Epfindia portal

There you have it, what it takes to complete PPO Enquiry / Payment Enquiry in Epfindia Portal. Keep in mind you can perform this action at any time of the day as long as you have access to a strong internet connection. Better, there are no restrictions on the number of times you can access this information.

How to track the PPO Enquiry and PPO Payment Enquiry at mis.epfindia.gov.in?

  1. How to check the status of PPO Payment Enquiry?

    Visit https://mis.epfindia.gov.in website and click on the ‘Pensioners Portal’ option. On the new page that appears on your screen, you have to click on ‘PPO Enquiry/Payment Enquiry’ section. Enter your office ID, PPO number and all other details needed. Click on ‘Submit’ button and choose Pension Payment enquiry. The PPO details will be displayed on your screen.

  2. How to know PPO Enquiry?

    Visit PPO website using your most preferred web browser. Next, you need to click on the ‘Pensioners Portal’ option, after which you’ll be redirected to a new site. Select ‘PPO Enquiry/Payment Enquiry’ option and enter all the required details correctly. Finally, click on the ‘Submit’ button top complete the PPO enquiry process.

PF Balance check without UAN Number in passbook.epfindia.gov.in

Procedure on know your EPF Balance / PF Balance check without UAN Number or PF Number in passbook.epfindia.gov.in website….
Provident fund is a necessary government- managed retirement saving plan that is similar to the social security program in the India. These retirement benefits are only available to salaried persons. The employer and the employee who contribute a certain percentage of the basic salary each month mostly create the PF.  The Employees Provident Fund Organization manages the Pension fund.  In some countries like India, the provident fund contribution is a mandatory requirement. The EPF contribution is made on a monthly basis without fail.

It is imperative for employees to regularly update their EPF account in case they change jobs so that both you and your new employer can start contributing to your retirement scheme. A trust usually invests all the provident funds pooled together from different employees. An employee is allowed to withdraw all his or her Provident Fund from their account. To check if you have an Employee Provident fund account visit the EPFO official website and access all their services online.

Pf balance check without uan Number
PF balance check without Uan Number

How to PF Balance check Without UAN Number or PF Number at passbook.epfindia.gov.in?

In case you do not have your UAN number,you can still know your PF balance check without UAN Number by following below two methods.

Method1: Through an SMS

  • One can check their PF balance without UAN by leaving a missed call to 011-22901406, and they will get back to you with a message having your PF balance.
  • Once you leave the missed call, you will receive a message showing your PF balance check without UAN / PF number, your age, and name as you had registered.
  • You will follow this format when sending the message EPFOHO UAN and send it to7738299899 using the mobile number you registered with.

Method 2: Use the Member Portal

  • To check your Provident Fund Balance using your member portal, register online by entering your PF number, name, and your identification documents.
  • The next step is to log into the member’s portal using your Know Your Customer (KYC)documents and number.
  • To verify your authenticity, a  One-time password will be sent to your mobile number used during registration.
  • Enter your PF number to download the PF passbook. Moreover, to confirm your validity another one-time password will be sent to your mobile number.
  • Once you key in the Onetime password, you will be redirected to a download link for the Employee Provident Fund Passbook.
  • Download the link and check your PF balance without UAN.

Method 3: By Giving a Missed Call

If you want to receive the EPF balance without UAN Number with the help of the missed call with the help of the valid UAN number. You have to give a miscall to the 011-22901406. You will get all the information in just matter of the section. You have to make sure that the UAN connected to the Bank account number, Aadhaar and Pan Card. 

These are the ways you can check your EPF balance with or without UAN number. It is easier to check your EPF balance anytime. EPF balance helps you to make sure the life after retirement stays safe and happier.

How to Check EPF Balance using PF number?

The Employee Provident Fund Organization recently launched a mobile App to help all the Employee Provident Fund members get their services online in the comfort of their phones. The EPF mobile App allows members to get services like Missed call service, SMS UAN activation and many more. The other function that one can get from the mobile App is checking their PF balance using their PF number.

  • The first step is to send a message with your UAN registered mobile number in this format EPFOHO to 7738299899.
  • While sending the message, you should also include your last contribution, your total PF amount, and your KYC to enable the organization in finding your records as they have registered numerous employees in India.
  • After that, the Employee Provident Fund Organization will send you all the required member information including your PF balance.

There is a another way to check your EPF Balance without UAN but using PF Number. Here is the process for users…..

How to check PF Balance Without Uan Number at unifiedportal-mem.epfindia.gov.in?

  1. How to check PF Balance using UMANG app?

    This application was recently launched by the Indian government and it provides different govt services at one place. To view your EPF balance check without UAN Number by using UMANG application, all you need to do is complete a one-time registration through your mobile phone.

  2. How to check PF Balance by Sending an SMS?

    To use this facility, you will need to provide the valid Universal Account Number [UAN] which is registered with EPFO. Once this is done, you will receive PF balance check without UAN Number by sending a SMS to the number provided.

  3. How to check PF Balance by using EPFO App?

    This is done by downloading the Mee-sewa app of EPFO from Google Play Store. Once you have successfully downloaded the app, click on ‘Member’ then enter ‘Balance / passbook’. This is followed by keying-in your registered mobile number and UAN.

  1. How to check PF Balance without UAN number by giving missed call?

    Registered members on the UAN portal can get their details available with EPFO by giving a missed call to 011-22901406 from their registered mobile number. For you to check your PF balance using this method, you ought to ensure your UAN is seeded with any of the Bank A/C number, Aadhaar and PAN.

  2. How to check EPF Balance using PF number?

    First things first, visit the official website of EPFO. Here, you need to select the ‘Member Balance Information’ tab. Next, enter your PF account number, name and registered mobile number. Click on the ‘Submit’ button to check your PF account balance using PF number. The balance will then be displayed on the screen of your device.

Difference Between EPF vs PPF (Employees PF vs Pensioners PF)

Let’s see What is the EPF vs PPF (Employees Provident Fund vs Pensioners Provident Fund)….
EPF is the common term used in referring to Employees Provident Fund, a government run scheme to all Indian employees of the organized sector. Members of the EPF are required to contribute 12% of their monthly basic salary towards this scheme. They can then access these savings as soon as they retire or when one is rendered jobless.

Public Provident Fund on the other hand is a savings scheme operated by the government and can be accessed by every person regardless of whether you are self-employed, employed, unemployed or retired. PPF is not mandatory and there is no specific amount of money that you have to contribute as is the case with EPF. Epfindia.gov.in is the official website. In this post, we are going to have a look at some of the differences which exist between EPF vs PPF.

Eligibility Criteria

PPF is made available to every Indian citizen regardless of whether you have a source of employment or not. This means that students, self-employed, employees and retired people of India can become members of the PPF. On the other hand, EPF is only made available to salaried employees of a company registered under EPF Act. You can therefore not become a member of EPF lf you have no source of employment.

epf vs ppf
EPF vs PPF

Investment Amount

All members of the Employee Provident Fund will have to part with 12% of their basic salary every month towards EPF savings account. However, you can increase the contribution voluntarily depending on your monthly salary and financial muscle. For PPF members, there is no fixed amount that one needs to contribute. You will only have to make a minimum contribution of RS.500 and a maximum savings of RS.1.5 lambs per year.

Tenure

When it comes to tenure, EPF allows its members the chance of closing their accounts as soon as they quit the current job. One can also opt to transfer the account whenever they decide to change a company. Members of PPF are easy required to make the saving for 15 years after which they can extend for a block of 5 years indefinitely.

Governing Act

The Public Provident Fund is governed by the Government Savings Banks Act,1873 which has now been revised to Public Provident Act,1968. On the other hand, EPF scheme is under the Employees Provident Fund and Miscellaneous Provisions Act, 1952.

Taxation

Any investment in EPF qualifies for a tax deduction under section 80 Crores of the Income Tax Act. The taxation is applicable to both the Employees and Employers contribution. Interests and withdrawals from EPF are tax free unless a member decides to access the savings within 5 years after opening the EPF account.

When it comes to Pensioners Provident Fund, any investment in your account up to Rs.1.5 lakh per year will get you a tax deduction under section 80C of the income tax act,1961. The interest and maturity amount are also exempted from tax as is the case with EPF.

These are just some of the differences that exist between EPF vs PPF. The good news is that both the EPF vs PPF tend to be a safe method of statutory backing.

How to get Both EPF and PPF ?

  1. How to get EPF?

    To get EPF, you should first sign in to the UAN Member Portal. Click on the ‘Online Services’ and select ‘Claim (Form-31, 19 & 10C) from the drop down-menu. Proceed for online claim by clicking on this option and select ‘PF Advance (Form 31).’ It is then that you have to follow the prompts that appear on your screen to get EPF.

  2. How to Get PPF?

    You can open PPF account offline at your nearest post office. All it takes is for you to get an application form at the post office and fill all the required details correctly. Attach the necessary documents and submit the form together with the initial deposit. Once your details are verified, your PPF account will be opened.

Download EPF Passbook or UAN Passbook in passbook.epfindia.gov.in

Downloading Process on Employee Provident Fund Organization (EPFO) EPF Passbook or UAN Passbook in passbook.epfindia.gov.in website…..
A record that shows all your Employee Provident Fund account is known as the EPF passbook. Therefore, if an EPFO member wants to know how his or her account has been doing, then they should download the EPF passbook. Members can check their EPF account statements online through the online EPFO portal. You will only need to use the passbook facility, which is the e-passbook, and from there you can easily download all the details of your EPF balance and check your status at any time.

Instructions on How to Download EPF Passbook in passbook.epfindia.gov.in

Here is the procedure to download the EPF passbook are as follows…..

  • Visit the Employee Provident Fund Organization (EPFO) official website using this link https://passbook.epfindia.gov.in/ and navigate to the Members Passbook page.
  • On the members’ passbook page, key in your Universal Account Number and the password and press the option ‘Login’ to sign into your account.
  • You will then be redirected to a page that shows passbooks of the EPF accounts, which have been linked with your UAN number. All the information will be displayed on your screen.
  • The next step, under the ‘Select Member ID to view Passbook’ is to click on the EPF passbook number and all your transaction details will be displayed on the screen.
  • Select the ‘Download’ option, and you will be requested to select and enter the state and the PF office of that state. If you are not sure about the state.
  • You will now enter your EPF account number and your name as per your EPFO records.
  • Below you will also enter correctly the captcha code given below and a one time PIN number will be automatically sent to your registered mobile number.
  • Enter the PIN number sent and hit the ‘Get Details’ option.
  • You will be then be redirected to another page where the passbook will open in the pdf format.
  • One can either read it from there or download and print out their EPF passbook.
  • It is important for the EPFO members to note that the EPF e-passbook is only available to those members whose employer has uploaded the returns and e-Challan.
EPF Passbook
EPF Passbook

How to Download Universal Account Number UAN Passbook

Just recently, the Employee Provident Fund Organization introduced the option to download the UAN passbook. Members with an active UAN can easily download their UAN passbook through the EPFO India online portal, and they do not have to queue for long in the Government offices to get their passbook. Members to provide them with monthly details of each transaction use the UAN passbook. It is more of a tool to help you manage your Employee Provident Fund account.

Through the EPFO official website, members can view and download their UAN passbook. To get your UAN passbook, you must consider it first, and you can later download and print it for use. It is imperative to note that before attempting to get your UAN passbook, ensure that your UAN number is active and if it is not, there is a way to activate your UAN online.

Here is a step-by-step procedure on how one can easily download their Universal Account Number passbook.

  • If your UAN is active, visit the official Employee Provident Fund Organization official website at https://unifiedportal-mem.epfindia.gov.in/ to access the UAN account.
  • Log into your account by filling in your Universal Account Number and password and click on the option ‘Login’.
  • You will be redirected to the home page, navigate to the tab with ‘For Employees’ under that click on ‘UAN Member e-Sewa’.
  • After that, you will be redirected to yet another page where you are supposed to enter your UAN and UAN password.
  • Below that, enter the captcha code given correctly and press on the ‘Login’ option.
  • You will be signed in to your UAN account. On the menu bar, click on the ‘Download’ option, and a drop-down menu will appear select and click on the ‘Download Passbook’ option.
  • From there you will be redirected to another page where your passbook will be shown in a pdf format.
  • You can now download and print out your Universal Account Passbook.

The Employee Provident Fund Organization has helped in the reduction of the everyday hassle to their offices by introducing online help to their members. The organization is now allowing their members to even download their EPF and UAN passbook through their mobile phones on the EPFO application. It is also important for members to note that their UAN passbook will only be available to them if their employer has updated the e-Challan and returns.

How to Print EPF Passbook and UAN Card online at unifiedportal-mem.epfindia.gov.in?

  1. How to print EPF Passbook online?

    Visit the Member Passbook page on EPFO website. Correctly enter your UAN and Password before clicking on the ‘Login’ button to access your account. Click on the EPF Member ID under ‘Select Member ID to View Passbook’ option. Your passbook will open in the next tab in PDF format. You can now download the passbook and take a printout of the same.

  2. How to print UAN Card online?

    Once you log into your EPF account, you should click on the ‘UAN Card’ option. Your UAN card will then be displayed on the screen. Click on the ‘Download’ option to download a copy of the same. Finally, click on the ‘Print’ option to finally print the UAN card without going through a lot.