The Employees' Provident Fund Organisation (EPFO) is a statutory body of the Indian government that manages the Employees' Provident Fund (EPF) and the Employees' Pension Scheme (EPS). EPF is a compulsory contributory provident fund for employees working in the private sector.

The EPFO Member Passbook is an online portal that enables EPF subscribers to view their EPF balance, download their EPF passbook, and check their EPFO claim status. Let’s explore this in detail.

How to Find your UAN Number?

In order to access the portal, check your balance and view your EPFO member passbook, you will require a UAN number. If you have forgotten your UAN number or registered mobile number, you can retrieve it using the following steps:

1. Visit the EPFO website.
2. Click on the "Forgot UAN/Password" link.
3. Enter your EPF account details and captcha code.
4. Click on the "Verify" button.
5. Your UAN number will be sent to your registered mobile number.

How to Reset Your Password?

Below are the steps to reset your EPFO portal password.

1. Visit the EPFO Member Passbook portal.
2. Click on the "Forgot Password" link.
3. Enter your UAN number and registered mobile number.
4. Click on the "Generate OTP" button.
5. Enter the OTP received on your registered mobile number.
6. Set a new password for your EPFO Member Passbook account.

How to Check Your EPFO - UAN Passbook Balance?

Below are the steps to check your EPF balance on the EPFO portal.

On the EPFO Portal

1. Visit the EPFO Member Passbook portal.
2. Enter your UAN number and password to log in.
3. Click the "View" button next to the "Member Passbook" option.
4. Select the financial year for which you want to view the EPF balance.
5. Click on the "View Passbook" button to see your EPF balance.

How to Download Your EPFO Member Passbook?

1. Visit the EPFO Member Passbook portal.
2. Enter your UAN number and password to log in.
3. Click the "Download" button next to the "Member Passbook" option.
4. Select the financial year for the EPF passbook.
5. Click the "Download Passbook" button to download the EPF passbook in PDF format.

How To Transfer EPF Fund Scheme While Switching Jobs?

1. Visit the EPFO Member Passbook portal.
2. Click on the "Online Services" tab.
3. Click on the "One Member - One EPF Account" option.
4. Enter your UAN number and mobile number to generate an OTP.
5. Enter the OTP received on your mobile number.
6. Select the EPF account that you want to transfer.
7. Provide the details of your new employer and EPF account.
8. Submit the transfer request.

Understanding Tax Implications with EPF

The EPF scheme offers tax benefits to its subscribers. The contributions made by the employee and the employer towards the EPF account are eligible for tax deductions under Section 80C of the Income Tax Act.

The interest earned on the EPF balance is also tax-free. EPF subscribers can maximise their tax savings by contributing the maximum amount permissible under the EPF scheme.

To Conclude

The EPFO Member Passbook is a convenient and user-friendly platform for managing retirement funds. By utilising its features, subscribers can effortlessly check their EPF balance, download the EPF passbook, and track the status of EPF claims. Furthermore, the passbook provides opportunities for tax savings, and the EPF-ELSS scheme allows individuals to invest in mutual funds.

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Frequently Asked Questions (FAQs)

1. How do I find my EPFO member passbook number?

To find your PF passbook number, you can follow these steps:

1. Visit the official website of EPFO and log in to your account.
2. Go to the "Account" section and click on "Passbook."
3. Once the passbook is open, you can find your passbook number in the top right corner of the page.

2. Why am I not able to download my EPFO member passbook?

If you cannot download your EPF member passbook, it could be due to various reasons, such as technical issues with the website or incorrect login credentials. You can try again later or contact the EPFO helpdesk for assistance.

3. How can I get the EPFO member passbook of a settled EPF account?

To get the passbook of a settled EPF account, you can follow these steps:

• Visit the official website of EPFO and click on the "Inoperative A/c Helpdesk" option.
• Fill in the required details, such as your name, mobile number, email ID, and EPF account number.
• Submit the form, and you will receive a confirmation email with the status of your request.
• Once your request is processed, you can download the passbook of your settled EPF account.

4. Can the EPFO member passbook be viewed online without the Universal Account Number (UAN)?

It is only possible to view your EPF passbook online with the Universal Account Number (UAN) and password. You need to log in to the official EPFO portal with your UAN and password to view your passbook online.

5. Is the EPFO memeber passbook facility available to all EPFO members?

The EPF passbook feature is not available to all EPFO members. Settled members, exempted established members, and inoperative members cannot access this feature.

6. How long does any update take to show in the UAN passbook?

Any updates may take up to 6 hours to appear on your online EPF passbook. Always check for discrepancies and report them to the EPFO grievance committee for correction.