2.

PROVIDENT FUND
The Employees' Provident Fund Scheme or EPF, introduced in India in 1952, is a retirement benefit
scheme where, both the employer and the employee, contribute a certain sum every month till the
employee is working. 12% of your basic salary is contributed towards PF every month

Logging in to the PF portal:

 You will require your UAN number to be activated and linked with your current mobile number.
You can find your UAN in your payslip.
 You can login to the portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/
 Please refer Annexure 1 & 2 for help in activating your UAN.
 Incase you have forgotten your password or if you have changed your mobile number, please
follow steps in Annexures 3 & 4.
 For further doubts, please reach out to your agency supervisor – Name: XXXX and Phone
number: YYYY

Documents Required for EPF Withdrawal:

To withdraw from your PF account, name and date of birth in below documents should match. If there is
a mismatch, you will not be able to withdraw money from your PF account. Please also check for spelling
mistakes, comma, spaces etc.

 Universal Account Number (UAN)

 Aadhar card
 Bank Account

Incase name in Aadhar and Bank account are same and only if name in PF portal needs to be changed,
please contact your agency supervisor – Name: XXXX and Contact number: YYYY.
If one of the document is matching with PF portal and only either Aadhar / Bank account name is wrong,
you can choose to correct the one document which is not matching with others.

Criteria for PF Withdrawal

 Marriage: You can withdraw up to 50% of the employee’s share to pay for necessary expenses
for his/her marriage, or the marriage of the account holder’s son, daughter, brother, or sister.
However, this provision is applicable only after completing seven years of PF contribution.
 Medical emergencies: An EPF account holder can withdraw the balance to pay for urgent
medical treatments for certain diseases for self or immediate family members. The withdrawal
amount is limited to six months of basic wage and dearness allowance or the employee share
along with interest, whichever is less.
 Purchase residential property or land plots: The PF withdrawal rules allow the account holder
to make a premature withdrawal to purchase land or house
 Unemployment: If an individual has been unemployed for over a month, he/she can withdraw
up to 75% of the total accumulated amount. If the unemployment period stretches over two
months, the remaining 25% can also be withdrawn.
 Education: PF account holders can withdraw up to 50% of their total contribution to the EPF to
pay for their higher education or their children’s education costs after class 10. However, this
withdrawal can be made only after contributing a minimum of seven years towards the EPF
account.
 Specially-abled individuals: Specially-abled account holders can withdraw 6 months of basic
wage along with a dearness allowance or employee share with interest (whichever is less) to pay
for the equipment cost. This facility has been introduced to ease the financial burden of
purchasing expensive equipment.
 Existing debts: Individuals can withdraw 36 months of basic wage + dearness allowance or the
total of employee and employer share along with interest to pay their home loan EMIs. This
facility is available only after a minimum of 10 years of contribution towards the EPF account.

How to Apply for EPF Withdrawal?

The withdrawal of EPF balance can be made by submitting a physical or online application.

Physical Application

 You can visit the PF office and submit the form with the employer’s attestation to the respective
jurisdictional EPFO office.

Online Application

Steps to Apply for EPF Withdrawal Online on UAN Portal

 Visit the UAN portal. https://unifiedportal-mem.epfindia.gov.in/memberinterface/

 Log in with your UAN and password. Enter the captcha and click on the ‘Sign In’ button.
 Click on the ‘Manage’ tab and select ‘KYC’ to check whether your KYC details, such as Aadhaar,
PAN and bank details, are verified.
 Once the KYC details are verified, go to the ‘Online Services’ tab and select the option ‘Claim
(Form-31, 19, 10C & 10D)’ from the drop-down menu.
  Enter your bank account number and click on ‘Verify’.
 Sign the certificate of the undertaking and then proceed.
 Click on ‘Proceed for Online Claim’.
 Select the claim you require, i.e., full EPF settlement, EPF part withdrawal (loan/advance) or
pension withdrawal, under the tab ‘I Want To Apply For’.
 Select ‘PF Advance (Form 31)’ to withdraw your fund. Provide the purpose of such advance, the
amount required, and the employee’s address.
 Submit your application and wait for the employer’s approval. The money will be credited to the
bank account within 15–20 days.

Transfer of PF:
Please also ensure that you transfer the PF from your previous employer. Refer annexure 5 for more
detailed steps. You can also contact your agency supervisor – Name: XXXX and Contact number:
YYYY.

Annexure:

1) Steps to Do UAN Registration & Activation Online:

 Visit the EPFO online portal

 Under the ‘Sign in’ section, click on ‘Activate UAN’
 The next page that opens will ask you to enter your UAN, Member ID, Aadhaar Number and PAN
card details
 After this, you will have to submit your personal details such as name, date of birth, email
address, mobile number and captcha code
 After carefully filling in all these details, click on ‘Get Authorization PIN’
 An authorization PIN will be sent to your registered mobile number, which you must enter on
the next screen that opens up
 Before clicking on ‘Activate UAN’, make sure to tick mark the terms and conditions (click on ‘I
Agree’, and then click on ‘Validate OTP and Activate UAN’
 You will now receive your password details on the registered mobile number

2) Steps to Link Aadhaar with UAN and PF:

 Using the UMANG app:

o Download the UMANG app on your mobile device
o Select ‘e-KYC services’ option
o Next, click on the option to ‘Seed Aadhaar’
o Enter your UAN
o Select the option to ‘Get OTP’, which will be sent to your registered mobile device
o Enter the OTP and your Aadhaar number
o You will again receive an OTP on your mobile device to verify your Aadhaar number
o After successful verification, your Aadhaar will be linked to your UAN

 Using the OTP Verification on EPFO e-KYC Portal:

 o Log in to the EPFO online portal
o Select the ‘For Employees’ option
o Click on ‘Link UAN Aadhaar’
o Enter your UAN and mobile number
o Enter the OTP sent to your registered mobile number
o Next, submit your Aadhaar details
o Now, select your preferred method for Aadhaar verification
o You will now receive an OTP on your mobile device to verify your Aadhaar number
o After successful verification, your Aadhaar will be linked to your UAN

 Using the EPFO Online Portal:

o Log in to the EPFO online portal
o Click on the ‘Manage’ tab
o Select the ‘KYC’ option
o Select your Aadhaar and enter your name and Aadhaar number
o Click on ‘Save’
o The status will show as ‘Pending KYC’ which will automatically be approved upon
successful verification of your details

3) How to Change Your EPF Account Mobile Number Online:

EPFO will contact you by SMS once your cell phone number is linked to your UAN. This number may also
be modified online in a few simple steps:

 The EPFO member website enables you to access your account

 In the ‘Manage’ area, click on ‘Contact Details.’
 When you select the ‘Change Mobile No.’ option, a new area displays in which you must input
the new mobile number twice. Now, select ‘Obtain Authorization Pin.’
 An OTP is delivered to this number
 Enter this OTP in the area provided and press the ‘Submit’ button. The EPFO portal will be
updated with your new cell phone number

4) How to reset password:

To access your EPF account via the UAN, you may not have your old phone number or have forgotten
your password. In the event that you have forgotten your password, please follow the steps below to
update both your cell phone number and your password

 Select ‘Forgot Password on the EPF Member Portal –

https://passbook.epfindia.gov.in/MemberPassBook/Login
 Click ‘Submit’ after you’ve entered your UAN and captcha
 If you want to alter your already registered mobile number, select ‘No.’
 Enter your name, date of birth, and gender, and then click the ‘Verify’ button
 Select Aadhaar/PAN to validate your information and enter your Aadhaar/PAN. Now, to
authenticate your request, click the ‘Verify’ button
  After the information has been checked, you will be prompted to input your new cell phone
number and click the ‘Get OTP’ button
 A one-time password will be sent to your new mobile number. Enter the OTP and then click
‘Verify’
 After the OTP has been validated, the new password will be requested
 After you’ve entered your new password twice, click ‘Submit.’ Your password will be successfully
changed, and your new cell phone number will be updated in the system at the same time

5) STEP 1 – Login to A to Z and Select the More Option in the bottom right corner.

Step 2- Select “Tools And Resources” and again “Resources” and then “ALLSEC”.

Step 3 – Login to Allsec and then Select “More ” on the top left corner and select “ Employee
Documents” in that select “Payslips”
Step 4 – Click on “Download” and your payslip will downloaded and saved in your mobile device. You
can view UAN in payslip as below
5) Transfer of PF:
1. Open the below link to go EPFO Login page.
Link - https://unifiedportal-mem.epfindia.gov.in/memberinterface/

2. Enter the UAN Number, Password and Captcha in the initial screen.

3. In the below screen, click on “Online Services” and select the option “ONE MEMBER – ONE EPF
ACCOUNT”

4. In the below screen, select “Present Employer” and enter the “UAN Number”.
After that click the “Get Details” button.
5. Select your previous companies from the “Select Establishment” drop down box.

6. Select the Previous company from which you want to transfer the PF balance. Then Click the
“Check Box” just above the “Get OTP” button and Click the “Get OTP” button
Enter the OTP received in your mobile number in the “Enter OTP” box and click on “Submit” button.

7. Transfer Claim will be completed. In the below screen, “Form 13” can be downloaded and
“Transfer status” can be checked.