EPFO 3.0: Do you know that the government has come up with a great scheme to protect your future? Yes, we are talking about the Employees’ Provident Fund (EPF) scheme, which is an important savings scheme for salaried employees in India. It is run through the Employees’ Provident Fund Organization (EPFO), which comes under the Ministry of Labor and Employment. In this article, we will give you detailed information about EPF. It will cover EPF passbook, claim status, KYC process, online claim (withdrawal of PF amount), UAN login, and other important services. So let’s know how EPF can help you
Vision and Mission of EPFO
EPFO aims to be an innovation-driven social security organization that provides services in a transparent, contactless, and paperless manner. The mission of the organization is to meet the needs of holistic social security and ensure continuity of services by making the claim settlement process automated and multi-locational.
How to login to EPFO?
To avail various services of EPFO, you have to login to the official website. For this, follow the following steps:
- First, go to the official website of EPFO.
- Find the “Services” option on the homepage and click on it. You will see four options:
- Select the correct option as per your status and avail the required services.
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Important information about EPFO
| Description | Information |
| Scheme Name | Employees’ Provident Fund (EPF) |
| Operating Body | Employees’ Provident Fund Organisation (EPFO) |
| Minimum Contribution | 12% from both employee and employer |
| Interest Rate | 8.15% to 8.25% |
| Tax Benefits | Tax deduction under Section 80C, withdrawals tax-free after 5 years of service |
| KYC Update Process | Submit documents on the online portal and employer approval |
| Online Claims | Submit claims online by logging in through UAN |
| Special Schemes | EPS (Pension Scheme), EDLI (Insurance Scheme) |
| Total New Members (October 2024) | 13,41,391 |
| Total Pensioners | 79,60,573 |
EPF Passbook and Claim Status
If you want to view your EPF passbook or check your claim status, follow the steps given below:
- Visit the official website of EPFO.
- Click on the “e-Passbook” option.
- Enter your Universal Account Number (UAN), password and captcha code and click on “Sign In”.
- After that you can view EPF passbook and details of your transactions, contributions and interest earned.
- You can also check the total balance of your EPF account in the passbook
- Submit new claims or track the status of existing claims using the online platform.
How to update member KYC?
Updating KYC is an important process that simplifies your use of EPF services. Following are the steps to update your KYC:
- Visit EPFO’s member portal.
- Login your UAN, password and captcha code.
- Click “Manage” option and select “KYC”.
- On the new page, select the document type you want to update.
- Enter the document details and click on the “Save” option.
- The updated details will appear under “KYC Pending for Approval”.
- After the status of your employer’s approval will change to “Digitally Approved KYC”.
How to do online PF withdrawal?
If you want to withdraw your PF amount online, follow the following steps:
- Visit the EPFO e-SEWA portal and login with your UAN and password.
- Than click “Online Services” section and click on the “Claim (Form-31, 19, 10C & 10D)” option.
- Enter your bank account no for verification.
- Confirm your details and read and agree to EPFO’s terms and conditions.
- Select the appropriate reason for withdrawal.
- Upload the required documents and request for OTP verification.
- Enter the OTP received on the mobile number linked to Aadhaar and submit your claim application successfully.
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Features and Benefits of EPF
Under the EPF scheme, employees receive a lump sum amount at the time of retirement, which includes their contribution, employer’s contribution and interest earned. Apart from this, the scheme also provides pension (Employees’ Pension Scheme) and insurance (Employees’ Deposit Linked Insurance). The primary objective of the scheme is to provide financial stability after retirement, but partial withdrawal is also allowed under special circumstances.
EPFO Schemes
EPFO operates three main schemes:
Employees’ Provident Fund Scheme 1952 (EPF): This scheme provides financial benefits at the time of retirement. Employees’ Pension Scheme 1995 (EPS): This scheme provides regular pension after retirement.
Employees’ Deposit Linked Insurance Scheme 1976 (EDLI): This scheme provides insurance benefits to the family of the employees on their demise.
Employees Deposit Linked Insurance Scheme 1976 (EDLI): This scheme provides insurance benefits to the family of the employee on his/her demise.
Digital Initiatives of EPFO
EPFO has introduced several digital facilities, such as digital life certificate, online profile update, and submission of life certificate through mobile app. In addition, the organization has focused on increasing the reach and efficiency of services under the Nirbadh initiative.
Grievance Management in EPFO
EPFO provides an online grievance management system called EPFiGMS (EPF i Grievance Management System). Through this system, employees can register their complaints and check their status. The aim of this system is to ensure timely resolution of problems faced by EPF members.
Through this detailed information, we hope you have got all the necessary information about EPF. This scheme is an important step to secure your future. Therefore, keep complete information about your EPF account and keep checking its status from time to time.