What do you get under EPF (PF account)?
A retirement savings account for salaried workers: 12% of basic pay from you and a matching share from your employer, with interest set every year, part of it going to a pension (EPS) from age 58. You can withdraw in part for illness, housing, education or marriage.
Who is eligible for EPF (PF account)?
- Employees of establishments with 20 or more workers (and others that join voluntarily).
- Compulsory for basic pay up to ₹15,000 a month; others can join with the employer’s consent.
Documents needed for EPF (PF account)
0 of 4 ready
Offices may ask for more. Check the official list before you go.
How to apply for EPF (PF account)
- Your employer enrols you and gives you a UAN. Activate it on the EPFO member portal or in the UMANG app.
- Link Aadhaar, bank account and PAN to the UAN (KYC) so that claims can be settled online.
- File withdrawal, advance or transfer claims online on the member portal.
How to check EPF (PF account) status
- Passbook: log in on passbook.epfindia.gov.in with your UAN and password.
- Balance by SMS: send "EPFOHO UAN" to 7738299899 from your registered mobile, or give a missed call to 9966044425.
- Claim status: log in on the EPFO member portal and open "Track Claim Status", or use the UMANG app.
Never share an OTP with a caller or a message. Official portals end in .gov.in.
Common questions
Who is eligible for EPF (PF account)?
Employees of establishments with 20 or more workers (and others that join voluntarily). Compulsory for basic pay up to ₹15,000 a month; others can join with the employer’s consent.
How much do I get under EPF (PF account)?
A retirement savings account for salaried workers: 12% of basic pay from you and a matching share from your employer, with interest set every year, part of it going to a pension (EPS) from age 58. You can withdraw in part for illness, housing, education or marriage.
What documents do I need for EPF (PF account)?
Aadhaar card (linked to your mobile number); Bank passbook or account details (Aadhaar-seeded account); PAN card; Mobile number for OTP.
How do I apply for EPF (PF account)?
Your employer enrols you and gives you a UAN. Activate it on the EPFO member portal or in the UMANG app. Link Aadhaar, bank account and PAN to the UAN (KYC) so that claims can be settled online. File withdrawal, advance or transfer claims online on the member portal. Official site: https://unifiedportal-mem.epfindia.gov.in/memberinterface/
How do I check EPF (PF account) status?
Passbook: log in on passbook.epfindia.gov.in with your UAN and password. Balance by SMS: send "EPFOHO UAN" to 7738299899 from your registered mobile, or give a missed call to 9966044425. Claim status: log in on the EPFO member portal and open "Track Claim Status", or use the UMANG app.
Do I have to pay anyone to apply for EPF (PF account)?
No. Applying for a government scheme is free on the official portal, and at Common Service Centres you pay only the notified service fee, if any. Never pay an agent who promises approval.
How do I check my PF balance?
Log in on passbook.epfindia.gov.in with your UAN, or send "EPFOHO UAN" by SMS to 7738299899, or give a missed call to 9966044425 from your registered mobile. The UMANG app also shows the passbook.
How do I withdraw PF online?
Log in on the EPFO member portal, check that Aadhaar, bank and PAN are linked, then go to Online Services and file the claim. The money comes to the linked bank account.
What documents are needed for a PF claim?
An active UAN with Aadhaar, bank account (with IFSC) and PAN linked. Some advances need a self-declaration only.
Official sources
Last checked 1 November 2026; next review by 1 May 2027. Rules and amounts change, so confirm on the official site before you apply. IndiaDigital is independent and not a government site.