Select Page

EPF passbook allows an employee to see whether Employer is contributing to his EPF account, the interest added by EPFO, the transfer claim if any made. To see the EPF UAN passbook now you would have to go to  >> Our Services >> For Employees >> Member Passbook and log in with your UAN website details. EPF passbook format has been updated in Aug 2020. This article explains how to see the EPF UAN passbook, how to save the EPF UAN passbook. An excerpt of the new EPF passbook is shown below. You can see the Financial Year as 2014-15.

Please check that the interest for FY 2019-20 has been credited to your bank account. Please select the FY 2019-20 if you are using View Passbook[New-YEARLY]

EPF passbook details yearly

EPF passbook details yearly

If you have forgotten your password then follow instructions in Forgot UAN Password: How to reset and change UAN password

EPF PassBook

To avail the e-passbook facility, EPF subscribers need to register themselves on the UAN website. Our article UAN and Registration of UAN explains the process in detail.

  1. This facility is to view the Member Passbook for the members registered on the Unified Member Portal.
  2. Passbook will be available after 6 Hours of registration at Unified Member Portal.
  3. Changes in the credentials at Unified Member Portal will be effective at this Portal after after 6 Hours.
  4. Passbook will have the entries which has been reconciled at the EPFO field offices.
  5. Passbook facility is not available for the Exempted Establishments Members / Settled Members / InOperative Members.

Now EPF UAN passbook is available at >> Our Services >> For Employees >> Member Passbook

EPF New Passbook location

EPF New Passbook location

You will see the window. You have to enter the 12 digit UAN number and Password of UAN website.

Login to see EPF passbook

Login to see EPF passbook

EPF Passbook Update

In Aug 2020, EPFO updated the details in EPF passbook. Now you have an explanation on how Interest is calculated, You can view EPF passbook yearwise and View Claim status details. EPF passbook also shows break up of EPF and EPS wages.

You can still see old passbook format by clicking on View Passbook [OLD:FULL]

EPF passbook changes new update

EPF passbook changes new update

If you have multiple Member ids i.e you have worked with multiple employers you will see more Member Ids

Select Member Id (000-MRN.. in the image above) to see passbook related to that employer

Our article How to Transfer EPF Online on changing jobs explains how to transfer EPF online and also how EPF passbook shows the transfer for both new and old employer.

EPF New Passbook format, Yearly

EPF has provided the facility to view Passbook Yearly ie EPF details for a financial year. You can select the Financial Year

See EPF contribution yearwise

See EPF contribution yearwise

EPF and EPS Wages

To EPF An employee contributes around 12% of his Salary(Basic, DA, and cash value of food allowances) which is matched by the employer. Our article Salary,Allowances,Dearness Allowance,Government Salary, Pay Commission explains components of salary like Basic, DA(Dearness allowance) in detail.

  • In EPS only the employer contributes. The employer contribution is restricted to 8.33% of 15,000 or Rs 1250 per month. Before Sep 1 2014, it was 8.33% of 6500 or Rs 541 per month. Our article Understanding Employee Pension Scheme or EPS discusses it in detail.
  • In EPF Employee’s contribution is matched by the Employer’s contribution(till a maximum of 12% after deducting EPS Contribution).  
  • The employer contribution is exempt from tax and employee’s contribution is taxable but eligible for deduction under section 80C of Income-tax Act.

Do the calculation of EPF and EPS contribution if the employee’s basic monthly salary is Rs 52,263 and verify it from the image below.

EPF passbook details yearly

EPF passbook details yearly

How to read EPF Passbook?

As shown in the image above EPF passbook shows details of your employer. As you are aware typically 12% of the Basic, DA, and cash value of food allowances has to be contributed to the EPF account. When one says EPF it means

  • Employee Provident Fund(EPF): Employee’s contribution is matched by Employer’s contribution(till 12%). The employer contribution is exempt from tax and employee’s contribution is taxable but eligible for deduction under section 80C of Income tax Act. The EPF amount earns interest as declared by Government.
  • Employees’ Pension Scheme (EPS) of 1995 offers pension on retirement, on disablement and after your death widow pension, and pension for nominees.
  • Employees Deposit Linked Insurance Scheme (EDLIS) provides for a lump sum payment to the insured’s nominated beneficiary in the event of death due to natural causes, illness or accident, while in job.

The EPF passbook shows under

  • Deposit->Employee Share your/employee contribution
  • Deposit->Employer Share your employer contribution to EPF.
  • Pension contribution shows your employer contribution to EPS to a maximum of Rs 1250. Earlier till Sep 2014, the contribution was restricted to 541 Rs.
  • Withdrawal: If you applied for EPF Partial/Full Withdrawal it will show Withdrawal from Employee and Employer share.

Interest: Compound interest is paid on the amount standing to the credit of an employee as on 1st April every year. Under Deposit->Employee Share and Deposit->Employee Share you can see the interest credited. Note only EPF earns interest, not the Pension contribution.

Claim Against Para 57(1 ) If you change the job then you should transfer from the EPF from old employer to a new Employer. Once the transfer is approved then the amount the EPF(your and employer) is shown in the passbook as shown in the image below. The Pension amount is not shown as your passbook as EPFO says that pension depends on your service period.

How much money will you get on withdrawing from EPF?

On EPF Withdrawal

You would get your EPF contribution + Employer contribution+ EPS contribution based on some factors.

  • Withdrawal 6 months.
    • If you have contributed for less than 6 months you won’t get EPS contribution.
  • After 10 years of service
    • Once 10 years are completed, the withdrawal benefit stops and one can only take the scheme certificate from the EPFO .
  • Before 10 years of service
    • If an employee has not completed 10 years in service, he can either withdraw the EPS amount or take the ‘scheme certificate’ The employee won’t get the entire contribution (Rs 541/Rs 1,250 a month) back The amount received will be subject to Table D as shown below.
    • If the salary at the time of EPS withdrawal after 8 years is Rs 15,000(1250X12), then the EPS money one receives is Rs 1,23,300 (Rs 15,000 * 8.22).
EPS Pension Withdrawal Table D

EPS Pension Withdrawal Table D

On EPF Partial Withdrawal

Advance or Withdrawals may be availed for the following purposes after putting in at least 5 years of service. The amount that can be withdrawn depends on the purpose, depends on the number of years of service. Note you can only withdraw from employee contribution

How many times can one withdraw for the same reason depends on the purpose, for example,

  • one can withdraw for the marriage of self, son or daughter, brother or sister 3 times after one has completed 7 years of service.
  • For marriage purpose, one can withdraw 50% of employee share but for treatment, one can withdraw up to 6 times of Wages.

Error FO0001=4063 Error on viewing EPF passbook

Many have been getting FO0001=4063 error on logging in to view EPF passbook as shown in the image below. We have raised the issue with EPFO on twitter and facebook and are trying to find more information.

When we tried viewing the Passbook the next morning, we could see it.  It seems to be a technical glitch.

EPF View passbook FO001=4063 Error

EPF View passbook FO001=4063 Error

Saving the EPF Passbook: NetWork Error

When I tried to Click Download button for saving the passbook I got the following error

epf download book error

epf download book error

Then We saved the passbook by selecting Print  & Changing Destination to Save as PDF as shown in the image below

Saving the EPF Passbook

Saving the EPF Passbook

EPF Interest calculated

It is a pdf document which explains how EPFO calculates Interest. It is a general document, not specific to any person or account.

An excerpt of How interest is calculated is shown below. Our article EPF Interest Rate from 1952, How does EPFO earn to pay interest explains it in detail.

How EPF interest is calculated?

How EPF interest is calculated?

YouTube Video on How to Download EPF Passbook

This video shows how to download the EPF passbook.

Thanks to our reader Shyamli for providing us with the EPF passbook excerpt.

Related Articles:

All About UAN or Universal Account Number of EPF

What do you think about the new passbook format of EPFO? Do you like the breakup of employer and employee wages?

Share
123movies

If you love watching movies online for free, moviebox pro apk is one of the best in the market.

123 free movies cuevana.email