How to download PF statement

Download PF Statement Online In 5 Easy Steps

What Is An EPF Statement?

An EPF statement, commonly referred to as an EPF passbook, is an official record that tracks all transactions related to an employee’s Employees’ Provident Fund (EPF) account. This document is updated periodically and allows employees to monitor their contributions, withdrawals, and interest earnings.

A PF statement is particularly useful for employees who want to:

  • Check their current EPF balance
  • Track monthly employer and employee contributions
  • Monitor interest earned on their EPF deposits
  • Validate past transactions, including withdrawals and transfers
  • Ensure that their employer is making timely contributions

The EPF passbook is available online through the EPFO Member e-Sewa portal and the UMANG mobile app, making it accessible at any time.

What Details Does A PF Statement Include?

A PF statement consists of multiple sections, each containing valuable details about an employee’s EPF contributions and account transactions. Here’s what you can find in your EPF passbook:

1. Personal Information

  • Employee Name – As registered in the EPFO database.
  • Universal Account Number (UAN) – A unique identifier for all EPF-related transactions.
  • PF Account Number – A unique number assigned to the employee’s PF account.
  • Employer Name – The name of the organisation contributing to the EPF account.
  • Date of Joining the EPF Scheme – The date when the employee’s contributions began.

2. EPF Contribution Details

  • Employee Contribution – The amount deducted from the employee’s salary (typically 12% of the basic salary).
  • Employer Contribution – The employer’s contribution to the EPF account (12% of basic salary, with 8.33% directed to EPS).
  • Total Contribution – The sum of both employee and employer contributions.

3. Interest Earned

  • Interest on EPF Balance – The amount of interest credited to the account, calculated annually.
  • Interest Rate Applied – The interest rate set by EPFO for the financial year.

4. Transaction History

  • Monthly Contributions – A breakdown of contributions made each month.
  • Withdrawals – Any partial or full withdrawals made from the EPF account.
  • Transfers – If the PF balance was transferred from a previous employer’s account.

5. EPS (Employees’ Pension Scheme) Contribution

  • Employer’s EPS Contribution – The portion of the employer’s contribution allocated to the Employees’ Pension Scheme (EPS).
  • Total Pensionable Service – The number of years the employee has contributed to the EPS.
  • Pensionable Salary – The salary amount considered for pension calculations.

6. Nominee Details

  • Nominee Name – The individual nominated by the employee to receive the PF amount in case of unforeseen circumstances.

7. Withdrawal & Taxation Information

  • TDS Deduction – If applicable, details of tax deducted on premature withdrawals.
  • Withdrawal Status – Status of any withdrawal request submitted through the EPFO portal.

By reviewing the PF statement, employees can ensure that their employer is making timely contributions and can also plan for future withdrawals or retirement savings.

How To Download A PF Statement Using The EPFO Member Portal?

The EPFO Member e-Sewa portal is the most common and reliable way to download a PF statement. This portal provides employees with direct access to their EPF passbook, allowing them to track their contributions, interest earnings, and transaction history in a few simple steps.

To download your EPF passbook using the EPFO Member Portal, follow the step-by-step guide below:

Step 1: Visit the EPFO Member Portal

Go to the official EPFO e-Sewa portal by visiting https://unifiedportal-mem.epfindia.gov.in.

EPFO portal

Step 2: Log In with Your UAN and Password

  • Enter your Universal Account Number (UAN) and password.
  • Complete the CAPTCHA verification and click on the Sign In button.
  • If you haven’t activated your UAN, click on “Activate UAN”, enter the required details, and follow the verification process.

Step 3: Access the ‘View Passbook’ Option

  • Once logged in, navigate to the “Passbook” section on the dashboard.
  • Click on the “Download Passbook” option to proceed.

Step 4: Select Your PF Account

  • If you have worked for multiple employers, select the relevant PF account number for which you wish to download the EPF statement.
  • The system will retrieve the transaction details linked to the selected account.

Step 5: Download the EPF Statement

  • Click on the “Download” or “Print” option to save the passbook as a PDF file.
  • You can now view, print, or share the PF statement as required.

Important Notes:

✔️ The EPF passbook is only accessible if your employer has filed the Electronic Challan cum Return (ECR) for your contributions.
✔️ The EPFO portal does not display real-time updates, and transactions are reflected after a certain period.
✔️ Ensure your UAN is linked with Aadhaar, PAN, and bank account details to access the statement without issues.

The EPFO Member Portal remains one of the easiest ways to download a PF statement, allowing employees to track their contributions at any time.

How To Download A PF Statement Using The UMANG App?

The UMANG (Unified Mobile Application for New-age Governance) app is an official mobile application developed by the Government of India, enabling users to access various government services, including the Employees’ Provident Fund (EPF) passbook download. It is a convenient alternative to the EPFO Member Portal, allowing employees to check their EPF balance and download their statements directly from their smartphones.

To download your PF statement using the UMANG app, follow these simple steps:

Step 1: Download and Install the UMANG App

Step 2: Log In or Register on the UMANG App

  • If you are a new user, you will need to register using your mobile number and create an MPIN for future logins.
  • If you are an existing user, enter your registered mobile number and MPIN to log in.

Step 3: Search for EPFO Services

  • On the UMANG home screen, type “EPFO” in the search bar.
  • Select “Employee Centric Services” from the results.
  • Click on “View Passbook” to proceed.

Step 4: Enter Your UAN and OTP Verification

  • Enter your Universal Account Number (UAN).
  • An OTP (One-Time Password) will be sent to your registered mobile number linked with UAN.
  • Enter the OTP to authenticate and access your EPF details.

Step 5: Select the PF Account and Download the Statement

  • If you have multiple PF accounts (from previous employers), select the relevant one.
  • The EPF passbook will be displayed on the screen, showing all contributions, interest, and transaction details.
  • Click on the “Download” or “Print” option to save the statement as a PDF file.

Benefits Of Using The UMANG App For PF Statement Download

✔️ Mobile-Friendly – No need for a computer; access your PF details anytime, anywhere.
✔️ OTP-Based Login – No need to remember passwords; secure authentication using OTP.
✔️ Quick and Easy – Download your PF statement in just a few taps.
✔️ Supports Multiple Services – Apart from EPF, the UMANG app also provides access to Aadhaar, PAN, and other government services.

The UMANG app is an excellent option for employees who prefer accessing their PF statement on the go without logging into a website.

How To Download A PF Statement Via SMS And Missed Call?

For employees who do not have access to the EPFO Member Portal or UMANG app, the Employees’ Provident Fund Organisation (EPFO) offers a simpler way to check their EPF balance and receive key account details via SMS and missed call services. While these methods do not allow downloading a detailed EPF statement, they provide a quick balance check without needing internet access.

Checking EPF Balance via SMS

The EPFO SMS service allows employees to receive their PF balance details directly on their mobile phones. This service is available to users who have:

✔️ An active Universal Account Number (UAN).
✔️ A mobile number linked to their UAN.
✔️ Their UAN is seeded with Aadhaar, PAN, or bank details.

Steps to Check EPF Balance via SMS

  1. Open your phone’s messaging app.
  2. Type the following message:
    EPFOHO UAN <Language Code>
    Example: If you want the message in English, type:
    EPFOHO UAN ENG
  3. Send the message to 7738299899 from your registered mobile number.

Language Codes for SMS Service

Language

Code

English

ENG

Hindi

HIN

Tamil

TAM

Telugu

TEL

Punjabi

PUN

Bengali

BEN

Malayalam

MAL

Marathi

MAR

After sending the SMS, you will receive a reply containing details of your EPF balance and the last contribution made by your employer.

Checking EPF Balance via Missed Call

Employees can also check their PF balance by giving a missed call to a designated EPFO number. This service is:

✔️ Free of cost (standard call charges may apply).
✔️ Available 24/7.
✔️ Requires an active UAN linked to Aadhaar, PAN, or bank account.

Steps to Check EPF Balance via Missed Call

  1. Dial +91-9966044425 from your registered mobile number.
  2. Let the call ring for a few seconds until it disconnects automatically.
  3. You will receive an SMS with your EPF balance details, including the latest contribution and total accumulated amount.

Key Differences Between SMS and Missed Call Services

Feature

SMS Service

Missed Call Service

Balance Check

Yes

Yes

Last Contribution Details

Yes

Yes

Language Options

Yes

No (Only in English)

Detailed Passbook Download

No

No

Internet Required?

No

No

While both methods do not provide a downloadable EPF statement, they are excellent for quickly verifying your PF balance and contribution history. If you require a detailed PF statement, you should use either the EPFO Member Portal or the UMANG app.

Final Thoughts

Downloading your PF statement is an essential step in managing your retirement savings and financial planning. Whether you prefer the EPFO Member Portal, UMANG app, or SMS/Missed Call services, there are multiple ways to access your EPF passbook conveniently.

If you encounter any issues while downloading your statement, ensure that your UAN is activated, Aadhaar/PAN is linked, and employer contributions are up to date. For unresolved issues, you can contact the EPFO helpline or visit your nearest EPFO office for assistance.

UAN Aadhaar OTP Link deadline

Employers Get November 30 Deadline To Finish Aadhaar-based OTP UAN Activation

The Government of India is taking crucial steps to ensure employees across India can easily access their Provident Fund (PF) accounts and the benefits tied to central government schemes. One such initiative, led by the Ministry of Labour & Employment, requires employers to ensure that all employees activate their Universal Account Number (UAN) using Aadhaar-based OTP verification. This directive simplifies access to essential financial services for employees while making processes smoother and more transparent for employers. For employers, this also presents an opportunity to align with digitisation goals, streamline internal processes, and minimise the risk of delays in disbursing employee benefits.

What Is UAN Activation And Why It Matters?

UAN stands for Universal Account Number. It is a 12-digit unique number assigned by the Employees’ Provident Fund Organisation (EPFO) in India. The UAN serves as a single identifier for an employee across all the Member IDs or Provident Fund accounts they may have throughout their career, across multiple employers, regardless of job changes. By activating their UAN, employees can perform essential tasks such as checking their PF balance, transferring funds, initiating withdrawals, and tracking claims—all through EPFO’s online services. This eliminates the need for lengthy paperwork or physical visits to EPFO offices.

The Ministry of Labour & Employment has now made Aadhaar-based OTP verification mandatory for UAN activation to streamline this process further. Aadhaar serves as a universal identity document, cutting down the need for employees to produce multiple proofs of identity. This digitised approach ensures faster activation, fewer errors, and higher transparency, making it easier for employees to access benefits under various government schemes.

UAN Activation Deadline For Employers

Organisations must complete the activation process for all employees hired in the current financial year by 30th November 2024, starting with the most recent joiners. Subsequently, employers are required to ensure UAN activation for all their remaining employees. Meeting these deadlines is crucial, not only to comply with government regulations but also to help employees benefit from the Employment Linked Incentive (ELI) Scheme introduced in the Union Budget 2024–25.

How To Complete UAN Activation Using Aadhaar-Based OTP

The process of UAN activation through Aadhaar-based OTP has been designed to be straightforward and user-friendly. By following these steps, employers can ensure that their workforce is registered and ready to access the full range of EPFO’s digital services:

  1. Accessing the EPFO Member Portal
    Start by visiting the EPFO Member Portal. This serves as the central platform for all UAN-related services. Employers must guide their employees to this portal to initiate the activation process.
  2. Navigating to the UAN Activation Section
    On the homepage, employees need to locate the “Activate UAN” link under the “Important Links” section. Clicking this will direct them to the activation page.
  3. Providing Key Details
    Employees will be required to enter essential details, including:
    • Universal Account Number (UAN)
    • Aadhaar number
    • Full name (as per Aadhaar records)
    • Date of birth (as per Aadhaar)
    • Aadhaar-linked mobile number
  4. Verifying Through Aadhaar OTP
    After entering these details, employees must opt for Aadhaar OTP verification. An OTP will be sent to the Aadhaar-linked mobile number provided. Employees must enter this OTP to complete the verification step.
  5. Completion and Password Generation
    Once the OTP is validated, the system will confirm successful activation and a system-generated password will be sent to the registered mobile number. Employees can use this password to log in to their account for the first time and change it to a password of their choice.

Upcoming Biometric Authentication Feature

While the Aadhaar OTP method is currently being implemented, the Ministry has announced plans to integrate state-of-the-art biometric authentication using face-recognition technology. This feature will further enhance security and make the activation process even more seamless. Employers should stay updated about this new development to ensure compliance when it is introduced.

Benefits Of UAN Activation For Employers And Employees

UAN activation through Aadhaar-based OTP brings significant advantages for both employers and employees, going beyond compliance with government regulations. It simplifies processes, enhances transparency, and ensures seamless access to benefits under the Employees’ Provident Fund Organisation (EPFO) framework.

Benefits For Employers

  1. Regulatory Compliance
    Ensuring UAN activation by the set deadline helps employers avoid potential penalties for non-compliance. It also aligns businesses with the government’s digitisation initiatives and fosters a transparent work environment.
  2. Streamlined Processes
    With activated UANs, employers can streamline administrative tasks like updating employee details, processing Provident Fund (PF) contributions, and addressing withdrawal or transfer requests. This reduces manual paperwork and speeds up operations.
  3. Access to Incentive Schemes
    Compliance with UAN activation directly ties into the Employment Linked Incentive (ELI) Scheme introduced in the 2024–25 Union Budget. By activating UANs for their employees, organisations enable their workforce to benefit from central government subsidies and incentives.
  4. Enhanced Employer Branding
    Organisations that actively support their employees in accessing financial entitlements are perceived as responsible and employee-focused. This fosters goodwill among the workforce and improves overall employer branding.

Benefits For Employees

  1. Easy Access to PF Accounts
    UAN activation provides employees with 24/7 access to EPFO’s digital services. They can check their PF balance, view/download passbooks, initiate claims for withdrawals or advances, and update personal information, all online.
  2. Simplified Job Transitions
    Employees can seamlessly transfer their PF accounts across employers by linking their UAN to new contributions. This ensures continuity in PF savings and eliminates the hassle of managing multiple accounts.
  3. Secure Digital Transactions
    Aadhaar-based OTP verification ensures that all transactions related to UAN and PF accounts are secure, reducing the risk of fraud or errors.
  4. Access to Government Welfare Schemes
    With an activated UAN linked to Aadhaar, employees are eligible for various government welfare schemes. This ensures financial inclusion and timely disbursal of benefits directly into their accounts.
  5. Time and Effort Savings
    The ability to manage PF-related activities online eliminates the need for employees to visit EPFO offices. This not only saves time but also makes the process more efficient.

How AuthBridge Simplifies UAN And Aadhaar Verification for Employers

Managing UAN activation and Aadhaar verification across an organisation can be challenging, especially when dealing with large workforces. AuthBridge, an industry leader in digital verification solutions for nearly two decades, offers state-of-the-art tools to help employers meet compliance requirements efficiently and securely. By leveraging AuthBridge’s services, organisations can streamline these processes, reduce manual effort and TAT, and ensure timely adherence to government mandates.

AuthBridge’s UAN Verification Services

AuthBridge’s UAN Verification tool is designed to validate and activate UANs seamlessly. This service ensures that employee details are accurately captured and linked to their EPFO accounts, helping employers meet the 30th November 2024 deadline without errors or delays. Key features of this service include:

  1. Bulk Upload and Verification
    AuthBridge enables employers to handle UAN activation for large groups of employees simultaneously, saving time and resources.
  2. Error Reduction
    The platform’s robust validation algorithms, with over 99.9% accuracy, minimise errors in employee data entry, ensuring that activation requests are processed smoothly by EPFO.
  3. Real-Time Status Updates
    Employers can track the status of each UAN activation request in real-time, ensuring transparency and accountability throughout the process.
  4. Seamless Integration
    AuthBridge’s UAN verification solution APis (Application Programming Interfaces) can be integrated into existing HR and payroll systems, making it easy for employers to adopt without overhauling their workflows.

AuthBridge’s Aadhaar Verification Services

Aadhaar-based OTP authentication is at the core of the UAN activation process. AuthBridge’s Aadhaar Verification solution offers a secure and paperless way to authenticate employee identities. This service simplifies the Aadhaar verification process and ensures compliance with the government’s mandate for Aadhaar-linked services.

Key Features of Aadhaar Verification:

  1. Paperless Authentication
    AuthBridge’s digital platform enables employers to complete Aadhaar verification without requiring physical documents, significantly reducing administrative burden.
  2. Fast and Secure OTP Validation
    With real-time OTP-based authentication, the system ensures that only Aadhaar-linked mobile numbers are used, enhancing security.
  3. Scalability for Large Teams
    Whether for a handful of employees or thousands, AuthBridge’s Aadhaar Verification service is designed to handle large-scale requirements effortlessly.
  4. Compliance with Regulatory Standards
    The service adheres to all government guidelines, ensuring that employers remain compliant with regulations while accessing a reliable verification solution.

How AuthBridge Empowers Employers

By partnering with AuthBridge, organisations can:

  • Save time and resources with automated and scalable verification tools.
  • Ensure error-free UAN activation and Aadhaar linking for all employees.
  • Meet compliance deadlines confidently, avoiding potential penalties.
  • Foster trust and transparency with their workforce by facilitating smooth access to financial benefits.

Conclusion

The Aadhaar-based UAN activation initiative is more than a regulatory requirement—it’s an opportunity for employers to empower their workforce and streamline processes. By meeting the 30th November 2024 deadline, organisations can ensure employees access essential benefits seamlessly while fostering compliance and efficiency.

FAQs

To avail benefits under the ELI Scheme via DBT, employers must ensure UAN activation and Aadhaar-linked bank accounts for all employees hired in the current financial year by 30th November 2024, starting with the most recent joiners.

UAN activation is typically immediate upon completing the online activation process.

If a UAN is not activated, the employee cannot access their EPF account online, check their balance, withdraw funds, or receive benefits like those under the ELI Scheme.

To activate your UAN online, visit the EPFO Member Portal, select “Activate UAN,” enter your UAN, Member ID, or Aadhaar, along with your name, date of birth, and mobile number. Verify the details via OTP, set a password, and your UAN will be activated.

Membership has no time limit, and individuals can retain it even after leaving a company. However, if no contributions are made to a PF account for three consecutive years, it will stop earning interest after this period.

The UAN (Universal Account Number) is valid for a lifetime and remains the same throughout an employee’s career, irrespective of job changes.

Yes, you can withdraw your EPF without UAN activation by visiting the EPFO office and submitting a duly filled Composite Claim Form (Aadhaar or Non-Aadhaar, as applicable).

To check if your UAN is active, visit the EPFO member portal, click on “Know your UAN status,” enter your details (such as Aadhaar, PAN, or member ID), and follow the instructions to verify activation.

No, an individual cannot have two active PF accounts simultaneously. If you switch jobs, your PF account from the previous employer should be transferred to the new employer to maintain a single account.

No, a person should not have two UANs. Each employee is entitled to only one Universal Account Number (UAN) throughout their employment. If multiple UANs are generated, they must be merged by contacting the EPFO.

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