Checking Your EPF Passbook and Employer Contributions: Know 3 Methods

Overview of EPF Checking Methods

The Employee Provident Fund (EPF) is a crucial government-backed pension scheme in India, where both employees and employers contribute a portion of the employee’s salary. It’s essential for employees to ensure that their employers are making these contributions regularly. This summary outlines how employees can check their EPF passbook and verify contributions using various methods.

Key Points

1. Understanding EPF Contributions: Both employees and employers contribute 12% of the employee’s basic salary to the EPF.
2. Importance of EPF: The EPF serves as a vital financial resource for employees, especially during job transitions and retirement.
3. Methods to Check EPF Passbook: Employees can check their EPF balance through the Umang App, the EPFO website, missed calls, and SMS.
4. Potential Issues: There are instances where employers may fail to deposit their contributions, making it important for employees to verify their accounts regularly.
5. User-Friendly Access: The methods provided are designed to be straightforward and accessible for all employees

Detailed Breakdown

Understanding EPF Contributions

The EPF scheme is a joint contribution plan where both the employee and employer contribute 12% of the employee’s basic salary. This fund is not only a savings tool but also a retirement plan, providing financial security for employees in their later years. However, employees must ensure that their employers are fulfilling their contribution obligations.

Importance of EPF

The EPF acts as a safety net for employees, particularly when changing jobs or planning for retirement. The accumulated savings can provide significant financial support during these critical life transitions. Hence, monitoring the contributions is vital for maintaining financial health.

Methods to Check EPF Passbook

1. Umang App

2. EPFO Website

3. Missed Calls and SMS

Employees can easily check their EPF passbook and contributions through several convenient methods:

1. Umang App:
   • Download the Umang App and log in.
   • Search for EPFO in the search bar.
   • Click on “View Passbook” and enter your Universal Account Number (UAN) and password.
   • An OTP will be sent to your registered mobile number to access your PF balance.
2. EPFO Website:
   • Visit the EPFO’s official website.
   • Navigate to the “For Employees” section and select “Services.”
   • Click on “Know your EPF Account Balance.”
   • Enter your UAN number, password, and captcha code, then click “Sign In.”
   • Select “Passbook” to view your PF account balance.
3. Missed Calls and SMS:
   • To check your balance via missed call, dial 011-22901406 from your registered mobile number. You will receive a message with your PF account information.
   • For SMS, send a message to 7738299899. Use the format “EPFOHO UAN HIN” for Hindi or “EPFOHO UAN ENG” for English to receive your account details.