The Employees’ Provident Fund Organisation (EPFO) serves as India’s primary social security institution, safeguarding the retirement interests of millions of workers across the country. Whether you’re looking to access your EPFO member login, check your EPF passbook, or process an online claim for withdrawal, understanding how to navigate the EPFO portal efficiently is essential for managing your financial future.
This comprehensive guide walks you through everything you need to know about EPFO services in 2026, from accessing your UAN portal to completing PF withdrawals seamlessly.
EPFO Member Login: Step-by-Step Access Guide
Accessing your EPFO member login allows you to view your complete contribution history, check balances, update KYC details, and submit claims online. Here’s how to log in successfully:
How to Access EPFO Member Portal
- Visit the Official Website: Navigate to www.epfindia.gov.in
- Select Services Menu:Â Click on “Our Services” in the top navigation bar
- Choose Employee Option:Â From the dropdown menu, select “For Employees”
- Access Member Portal:Â Click “Member e-Sewa” which redirects to the UAN portal
- Enter Login Credentials:Â Input your 12-digit UAN number and password
- Complete Verification:Â Type the captcha code displayed and click “Sign In”
Pro Tip: Always verify you’re on the official EPFO website (unifiedportal-mem.epfindia.gov.in) before entering your credentials to avoid phishing scams.
Understanding Your UAN Portal Dashboard
Once you complete your EPFO login, your dashboard provides access to several critical features:
- View Passbook:Â Access detailed month-by-month contribution records
- KYC Management:Â Update and verify Aadhaar, PAN, and bank account details
- Online Claims:Â Submit withdrawal requests digitally
- Service History:Â Review your employment records across organizations
- Track Claims:Â Monitor the status of pending withdrawal applications
How to Check EPF Passbook Online in 2026
Your EPFO passbook is a comprehensive record showing all your PF contributions, interest earned, and current balance. Checking your EPF passbook regularly helps you track your retirement savings growth and verify employer contributions.
Method 1: Through EPFO Member Portal
- Complete EPFO member login as described above
- Click “Passbook” from the main dashboard menu
- Select your Member ID (if you have multiple employment records)
- View your complete contribution history with employer and employee share details
- Download or print your passbook for records
Method 2: Using UMANG Mobile App
The UMANG (Unified Mobile Application for New-age Governance) app provides convenient mobile access to your EPF passbook:
- Download UMANG app from Google Play Store or Apple App Store
- Search for “EPFO” within the app
- Select “View Passbook” under Member Services
- Authenticate using your UAN and mobile PIN or OTP
- View your current balance and contribution details instantly
Method 3: Missed Call Service
For quick balance checks without internet access, EPFO offers a convenient missed call service:
- Use your registered mobile number (linked to UAN)
- Give a missed call to 011-22901406
- Receive an SMS with your total PF balance within minutes
Method 4: SMS Service
Send an SMS in the format: EPFOHO UAN ENG to 7738299899 to receive your balance details via text message.
EPFO Employer Login: Portal Access for Establishments
Employers need to access the EPFO employer login to manage employee PF contributions, file monthly returns, and approve KYC documents. Here’s the process:
Employer Portal Login Steps
- Visit www.epfindia.gov.in
- Navigate to “Our Services” and select “For Employers”
- Click “Establishment Login” to access the employer portal
- Enter your Establishment ID and authorized signatory password
- Complete captcha verification and sign in
Key Employer Dashboard Functions
- ECR Filing:Â Submit monthly Electronic Challan-cum-Return with contribution details
- Payment Management:Â Generate and pay PF, pension, and insurance contributions
- Employee Administration:Â Add new members, update exit dates, modify details
- KYC Verification:Â Approve employee KYC documents within mandated timelines
- Report Generation:Â Download compliance reports and contribution summaries
Important Compliance Deadline: Employers must file ECR and make PF payments by the 15th of every month to avoid penalties and interest charges.
EPFO Online Claim: How to Withdraw PF Digitally
Processing your EPFO online claim has become significantly faster in 2026, with settlements typically completed within 3-5 working days for members with verified KYC. Here’s your complete guide to PF withdrawal.
Prerequisites for Online Claims
Before submitting your EPFO online claim, ensure the following:
- ✓ UAN activated and linked with Aadhaar
- ✓ KYC status showing “Approved” for Aadhaar, PAN, and bank account
- ✓ Bank account active with name matching exactly as per Aadhaar
- ✓ Registered mobile number for OTP authentication
Types of PF Claims Available
| Form Type | Purpose | Eligibility |
|---|---|---|
| Form 19 | Full PF Settlement | After 2 months of unemployment or retirement |
| Form 31 | Partial Advance | While employed – for housing, medical, education, marriage |
| Form 10C | Pension Withdrawal | Withdraw EPS amount or obtain Scheme Certificate |
| Form 10D | Scheme Certificate | For pension continuity when changing jobs |
Step-by-Step Online Claim Process
- Login to UAN Portal:Â Access the EPFO member login using your credentials
- Navigate to Claims:Â Go to “Online Services” and select “Claim (Form-31, 19, 10C & 10D)”
- Verify Details:Â Check that your bank account and personal information are correct
- Select Claim Type:Â Choose the appropriate form based on your withdrawal reason
- Enter Claim Details:Â Provide withdrawal amount, current address, and purpose
- Upload Documents:Â Attach required supporting documents if applicable
- Digital Signature:Â Authenticate your claim using Aadhaar OTP
- Submit and Track:Â Note your claim reference number and monitor status through the portal
Troubleshooting Common EPFO Login Issues
Forgot Your EPFO Password?
If you cannot access your UAN portal due to a forgotten password:
- Click “Forgot Password” on the login page
- Enter your UAN and registered mobile number
- Request OTP authorization
- Enter the OTP received via SMS
- Create a new password (must include uppercase, lowercase, number, and special character)
OTP Not Received?
If you’re not receiving OTP during EPFO login or claim submission:
- Ensure your mobile number is correctly registered and linked with UAN
- Verify that your mobile number matches the one linked to Aadhaar
- Update your mobile number through the UAN portal if needed
- Check network connectivity and SMS inbox capacity
Claim Rejected or Pending?
Common reasons for EPFO online claim rejection include:
- KYC Mismatch:Â Bank account name doesn’t match Aadhaar exactly
- Unverified Details:Â Aadhaar, PAN, or bank account not approved
- Employer Pending:Â Previous employer hasn’t filed ECR returns
- Incomplete Information:Â Missing or incorrect details in claim form
What is EPFO and Why Does It Matter?
The Employees’ Provident Fund Organisation operates under India’s Ministry of Labour and Employment, managing one of the world’s largest provident fund systems. With over 65 million active members and assets exceeding ₹18 lakh crore, EPFO ensures retirement security through three primary schemes:
Employees’ Deposit Linked Insurance (EDLI):Â Offers life insurance coverage to your family
Employees’ Provident Fund (EPF):Â A mandatory savings scheme where both you and your employer contribute 12% of your basic salary monthly
Employees’ Pension Scheme (EPS):Â Provides pension benefits upon retirement at age 58
Key Benefits of Using EPFO Portal in 2026
The digital transformation of EPFO services offers numerous advantages:
- Time Efficiency:Â Claims processed in 3-5 days vs. weeks with offline methods
- 24/7 Access:Â Check balances and submit claims anytime from anywhere
- Transparency:Â Real-time tracking of claim status and contribution history
- Reduced Paperwork:Â Digital submission eliminates physical document requirements
- Enhanced Security:Â Aadhaar-based authentication prevents fraud
- Multi-language Support:Â Services available in 10 Indian languages
EPFO Contact Information and Support
If you encounter issues that cannot be resolved through the portal, EPFO provides multiple support channels:
- Toll-Free Helpline:Â 1800-118-005 (Monday-Friday, 9:30 AM – 6:00 PM)
- Missed Call Service:Â 011-22901406
- SMS Inquiry:Â 7738299899
- Email Support:Â grievance@epfindia.gov.in
- Grievance Portal:Â https://epfigms.gov.in
- Official Website:Â www.epfindia.gov.in
Understanding Your EPF Contributions
As an employee covered under EPFO, both you and your employer make monthly contributions to build your retirement corpus:
- Employee Contribution:Â 12% of basic salary + dearness allowance goes to EPF
- Employer Contribution:Â 12% total, divided as:
- 8.33% to Employee Pension Scheme (EPS)
- 3.67% to EPF
- Additional Charges:Â Employer pays 0.50% for EPFO administration and 0.50% for EDLI insurance
The interest rate on EPF deposits is determined annually by the government and currently ranges between 8.15% to 8.25% per annum, making it one of the safest and most reliable investment options for long-term savings.
FAQs
Q1. Can I have multiple UAN numbers?
No, each person should have only one UAN that remains constant throughout their working life, regardless of how many times they change employers. If you discover multiple UANs, contact EPFO to merge them.
Q2. What is a Certificate of Coverage (CoC) for international workers?
A CoC is a document that ensures an international worker (expatriate) does not make double social security contributions in India and their home country if a Social Security Agreement (SSA) exists. It is applied for online by the employee on the International Workers Portal, followed by verification and submission by the employer to the EPFO.
Q3. How can I check my PF balance without logging in?
You can check your balance via:
Missed Call: Give a missed call from your registered mobile to 011-22901406.
SMS: Type EPFOHO UAN LAN (e.g., EPFOHO 123456789012 ENG) and send to 7738299899.
UMANG App: Use the ‘View Passbook’ service after logging into the app.
Q4. How do I update my nominee details online?
Updating your nominee is an important online process. Log in to your UAN portal, go to ‘Manage’ > ‘e-Nomination’. Click on ‘Add/Update Nomination’, fill in the details of your nominee(s), declare the share percentage, and submit using an Aadhaar-based OTP for authentication.
Q5. How can I transfer my old PF balance to my current account?
Initiate an online transfer request via the ‘One Member – One EPF Account’ service in your UAN portal. You need to verify your previous employment details using your previous employer’s establishment code or PF number. Once you submit the digitally signed form, it is routed online to your previous and current employers for approval, making the process paperless.
Q6. I am an international worker. How do I apply for a Certificate of Coverage (CoC)?
You must apply via the EPFO International Workers Portal. Initiate the application, fill and upload the signed form. Your employer must then verify and submit it. The digital CoC can be downloaded once approved by the EPFO.
Q7. How do employers file the monthly ECR (Electronic Challan-cum-Return)?
Form 19:Â For final PF settlement (full withdrawal) upon retirement or after leaving a job.
Form 10C:Â For withdrawing your EPS pension contribution or obtaining a Scheme Certificate (if service is less than 10 years).
Form 31:Â For partial PF advances/withdrawals for specific purposes like medical needs, home loan, or education.
Q8. What is a UAN and how do I activate it?
Your Universal Account Number (UAN) is a 12-digit permanent identifier allotted to every EPF member. It remains constant throughout your career, linking all your Member IDs from different employers. If your UAN is inactive, you can activate it on the EPFO portal by providing your member ID, personal details, and registered mobile number for OTP verification. Post activation, you can create a password for login.