EPFO Login Portal: Passbook, Balance Check, Claim Status & Online PF Withdrawal Process

Your hard-earned money stays safe in your Provident Fund (PF) account, but accessing it shouldn’t feel like solving a puzzle. That’s where the EPFO portal comes in. With a simple EPFO login, you can manage your PF account anytime from home. no queues, no paperwork, no confusion.

From checking your PF balance and downloading your passbook to tracking claims or applying for withdrawal, everything can be done online using your UAN and password.

Still, many members face login errors, delayed claims, or outdated passbooks, which can be stressful — especially when funds are needed urgently.

That’s why we’ve created this step-by-step guide to help you through the EPFO member login process, from activating your UAN to completing withdrawals smoothly. No jargon, no tech hassles, just clear instructions that actually work

EPFO Login Portal Overview

Details	Information
Portal Name	EPFO Member e-Sewa Portal
Managed By	Employees’ Provident Fund Organisation (EPFO), Ministry of Labour & Employment, Government of India
Official Website	www.epfindia.gov.in
Who Can Use	All salaried employees registered under EPF scheme
Login Requirements	UAN (12-digit), Password, Captcha
Key Services	PF Balance Check, Passbook Download, PF Withdrawal, Claim Status Tracking, KYC Update, PF Transfer
Mobile App	UMANG App (Available on Android & iOS)
SMS Service Number	7738299899
Missed Call Service	011-22901406
Toll-Free Helpline	1800-118-005
Portal Availability	24×7 (May slow down during peak hours)
Grievance Portal	EPFiGMS (epfigms.gov.in)
Registration Fee	Free
Claim Processing Time	7-20 Days (depending on claim type)
KYC Required	Aadhaar, PAN, Bank Account with IFSC

What is EPFO and Why Does the Online Portal Matter?

EPFO stands for Employees’ Provident Fund Organisation. It is a government body under the Ministry of Labour and Employment that manages the retirement savings of salaried employees in India.

Every month, a portion of your salary (typically 12%) goes into your PF account, and your employer contributes an equal amount. This money grows with interest and becomes available when you retire, change jobs, or face financial emergencies.

Why the EPFO Portal is Important for Every Member

Before the online system existed, checking your PF balance or withdrawing money meant visiting the regional EPFO office, standing in long queues, and dealing with endless paperwork. I remember doing this in 2015 when I changed my first job — it took nearly 3 weeks just to get my claim processed.

Today, the EPFO member portal has changed everything. Here’s what you can do online:

Task	Benefit
Check PF Balance	Know your savings instantly
Download Passbook	View complete contribution history
Apply for PF Withdrawal	Get money without office visits
Track Claim Status	Know exactly where your claim stands
Update KYC Details	Link Aadhaar, PAN, and bank account
Transfer Previous PF	Merge old accounts into current one

The portal saves time, reduces stress, and puts you in control of your own money.

Understanding UAN: Your Key to EPFO Services

What is UAN?

UAN (Universal Account Number) is a 12-digit unique number assigned to every PF member. Think of it as your permanent identity in the EPFO system.

Even if you change multiple jobs throughout your career, your UAN remains the same. Only your Member ID changes with each employer, but all these IDs get linked to your single UAN.

This is exactly why UAN activation is the first step before you can use any EPFO online service.

How to Activate Your UAN: Step-by-Step

If your employer has already registered you under the EPF scheme, your UAN is automatically generated. However, to access your PF account online, you must first activate this UAN and create your login password. The entire process takes just 5 minutes if all your details are correct.

Before You Begin: Check These Requirements

Before starting the activation process, make sure you have these things ready:

Requirement	Why It’s Needed
12-digit UAN Number	Your unique PF identity
Aadhaar Card	For identity verification
Aadhaar-linked Mobile Number	To receive OTP for verification
Name matching in both records	Aadhaar name must match PF records
Date of Birth matching	DOB in Aadhaar must match PF records

Important: Your Aadhaar-linked mobile number must be active and accessible during this process. Without it, you cannot receive the OTP and activation will fail.

Step-by-Step UAN Activation Process

Step 1: Open EPFO Website

Open your browser and search for “EPFO” on Google. Click on the first official link or directly visit epfindia.gov.in. On the homepage, look at the right-hand side where you’ll see multiple options.

Step 2: Go to Member Portal

Click on “For Employees” section and then select “Member UAN/Online Services”. You can also click on “Online Claim/Member Account Transfer” option. This will redirect you to the Unified Member Portal where you’ll see a login screen.

Step 3: Click on Activate UAN

On the login page, you’ll see a section called “Important Links” below the login box. Here, click on “Activate UAN” option. A new page will open with instructions and a form to fill.

Step 4: Read the Instructions Carefully

Before filling the form, the portal shows you three important conditions:

1. Your UAN, Aadhaar, Name, and Date of Birth must be recorded in your PF account
2. You need an active mobile number linked with your Aadhaar card
3. Your PF account details must match exactly with your Aadhaar card details

If any of these conditions are not met, your activation will fail.

Step 5: Fill Your Details

Now fill the activation form carefully:

Field	What to Enter
UAN	Your 12-digit Universal Account Number
Member ID / Aadhaar	Choose Aadhaar (easier option) and enter your 12-digit Aadhaar number
Name	Enter your name exactly as written on Aadhaar card
Date of Birth	Select your DOB as per Aadhaar card
Mobile Number	Enter mobile number linked with your Aadhaar
Captcha	Enter the captcha code shown in image

Pro Tip: I recommend using Aadhaar number instead of Member ID because it’s simpler and directly verifies your identity through UIDAI database.

Step 6: Accept Disclaimer and Get OTP

After filling all details, read and accept the disclaimer checkbox. Then click on “Get Authorization PIN” button. Within a few seconds, an OTP will be sent to your Aadhaar-linked mobile number.

Step 7: Enter OTP and Activate

Enter the OTP you received in the given field. Then click on “Validate OTP and Activate UAN” button. If everything matches correctly, your UAN will be activated immediately.

Step 8: Receive Your Password via SMS

Once activation is successful, EPFO will send a system-generated password to your Aadhaar-linked mobile number via SMS. Save this password — you’ll need it for your first login.

First Time Login and Password Change

After activation, you need to login and change your password. Here’s how:

Step 1: Go to Login Page

Return to the homepage of Unified Member Portal. On the right side, you’ll see the login box.

Step 2: Enter Login Details

• Enter your UAN in the first field
• Enter the password received via SMS in the password field
• Enter the captcha code
• Click “Sign In”

Step 3: Verify with OTP

After clicking Sign In, an OTP will be sent to your registered mobile number. Enter this OTP and captcha, then click “Submit”.

Step 4: Change Your Password (Mandatory)

On your first login, the system will ask you to change your password. This is mandatory and you cannot skip it.

Field	What to Enter
Old Password	The password you received via SMS
New Password	Create your own strong password
Confirm New Password	Re-enter the same new password

Password Requirements:

• Minimum 8 characters
• At least one uppercase letter (A-Z)
• At least one lowercase letter (a-z)
• At least one number (0-9)
• At least one special character (@, #, $, etc.)

Step 5: Final OTP Verification

Accept the disclaimer and click “Get Aadhaar OTP”. Enter the OTP received on your mobile and click “Change Password”. Your password is now updated successfully.

Step 6: Login with New Password

Now go back to homepage and login again using your UAN and newly created password. Enter captcha, verify with OTP, and you’re in.

What You Can Do After Successful Login

Once logged in, your EPFO member dashboard opens up. From here you can:

• Check your PF balance
• Download and view passbook
• Update KYC details (Aadhaar, PAN, Bank)
• Apply for PF withdrawal
• Request PF transfer from old employer
• Track claim status
• Raise grievance if needed

Common UAN Activation Errors and Solutions

Error	Reason	Solution
“Details do not match”	Name/DOB mismatch between Aadhaar and PF records	Contact HR to correct details in employer portal
OTP not received	Wrong mobile number or network issue	Check if mobile is Aadhaar-linked and active
“UAN already activated”	You activated before and forgot	Use “Forgot Password” option instead
“Invalid Aadhaar”	Aadhaar not seeded in PF account	Ask employer to link Aadhaar with your UAN
Captcha not loading	Browser or server issue	Refresh page or try different browser

Pro Tip: If you don’t know your UAN, ask your employer’s HR department. They can provide it from their EPFO employer portal. Alternatively, check your salary slip — UAN is usually mentioned there.

EPFO Login Process: Complete Guide for Desktop and Mobile

Once your UAN is activated, you can access your account anytime. Let me walk you through both methods.

EPFO Login on Desktop (Computer/Laptop)

Step 1: Open your browser and go to unifiedportal-mem.epfindia.gov.in

Step 2: On the homepage, you’ll see the login box on the right side

Step 3: Enter your UAN (12-digit number)

Step 4: Enter your Password

Step 5: Type the Captcha shown in the image

Step 6: Click “Sign In”

If everything is correct, you’ll land on your member dashboard where all services are available.

EPFO Login on Mobile (Using Browser)

The EPFO member portal works on mobile browsers too, though the experience is slightly different.

1. Open Chrome or any browser on your phone
2. Visit the same URL: unifiedportal-mem.epfindia.gov.in
3. The page may take 10-15 seconds to load fully
4. Enter UAN, password, and captcha
5. Tap Sign In

Note: The mobile browser version can be slow sometimes. If you face issues, try using desktop mode in your browser settings.

Using UMANG App for EPFO Login

The UMANG app (Unified Mobile Application for New-age Governance) offers a smoother mobile experience.

1. Download UMANG from Play Store or App Store
2. Register with your mobile number
3. Search for “EPFO” in the app
4. Select “Employee Centric Services”
5. Choose any service (passbook, claim status, etc.)
6. Login using UAN and OTP

The UMANG app is what I personally recommend for mobile users. It’s faster and more reliable than the browser version.

EPFO Passbook: How to Check, Download, and Understand It

Your EPFO passbook is a detailed record of all contributions made to your PF account — both by you and your employer. It shows monthly deposits, interest credited, and current balance.

How to View and Download Your Passbook

Method 1: Through Member Portal

1. Complete the EPFO login process on the member portal
2. Click on “View” in the top menu
3. Select “Passbook”
4. Choose your Member ID (if you have multiple)
5. Your passbook will open in a new tab
6. Click “Download” to save as PDF

Method 2: Through UMANG App

1. Open UMANG and search for EPFO
2. Go to “View Passbook”
3. Enter your UAN and verify with OTP
4. Your passbook appears instantly

Understanding Your Passbook Entries

Column	Meaning
Wage Month	The month for which contribution was made
ECR	Electronic Challan cum Return (employer submission)
EE Share	Employee’s contribution (your share)
ER Share	Employer’s contribution
Pension Contribution	Amount going to pension fund
Remarks	Any special notes

Common Passbook Issues and Solutions

Issue 1: Passbook Not Updating

Sometimes, your latest contributions don’t show for 2-3 months. This usually happens because:

• Employer delayed the ECR filing
• EPFO server processing backlog
• Technical glitches during month-end

Solution: Wait for 15-20 days after month-end. If still not updated, ask your employer to verify ECR submission.

Issue 2: Passbook Shows “No Records Found”

This happens when:

• Your KYC is incomplete
• UAN is not linked to current Member ID
• Employer hasn’t mapped your UAN correctly

Solution: Complete your KYC (Aadhaar, PAN, Bank) and request your employer to verify UAN mapping.

Issue 3: Old Employer Contributions Missing

If you transferred your old PF but those records don’t show:

• The transfer may still be processing
• Old and new Member IDs might not be linked

Solution: Check transfer claim status. If approved but not reflecting, raise a grievance on EPFiGMS portal.

PF Balance Check: 5 Easy Methods

You don’t always need to login to check your PF balance. EPFO offers multiple options for convenience.

Method 1: Check Balance on EPFO Portal

1. Login to the member portal with your UAN
2. Go to “View” → “Passbook”
3. Check the last entry for current balance

Method 2: Check Balance via SMS

Send an SMS from your registered mobile:

EPFOHO UAN ENG → Send to 7738299899

Replace “ENG” with your preferred language code:

• HIN for Hindi
• TAM for Tamil
• TEL for Telugu
• MAL for Malayalam
• BEN for Bengali

You’ll receive an SMS with your balance details within minutes.

Method 3: Missed Call Service

Give a missed call to 011-22901406 from your registered mobile number.

Within seconds, you’ll receive an SMS containing:

• Your PF balance
• Last contribution details

This is the simplest method — no internet required.

Method 4: UMANG App

1. Open UMANG app
2. Search “EPFO” → “Employee Centric Services”
3. Select “View Passbook”
4. Authenticate with UAN and OTP
5. Balance displayed instantly

Method 5: Through Employer

Your employer can also check your PF balance through their portal. Request HR for a statement if other methods aren’t working.

PF Withdrawal Process: Complete Step-by-Step Guide

Withdrawing your PF online sounds simple, but this is exactly where most members get stuck. Either the claim gets rejected, or it stays pending for weeks without any update. I’ve personally seen colleagues make small mistakes during the withdrawal process and then wait for months to get their money.

The good news? If you follow the right steps and check everything before applying, your PF amount can reach your bank account within 7-15 days. Let me walk you through the complete process — the way it actually works in 2025.

When Can You Withdraw Your Full PF Balance?

Not everyone can withdraw their complete PF amount. EPFO has specific conditions for full withdrawal:

Situation	What You Can Withdraw
Unemployed for 1 month	Up to 75% of PF balance
Unemployed for 2+ months	100% PF + Pension amount
Retirement (58 years age)	Full amount with interest
Job change with 2+ months gap	Full or partial withdrawal
Service period 1 to 113 months	Full settlement allowed

Important Rule: If your service period is more than 1 month but less than 113 months (approximately 9.4 years), and you’ve been unemployed for more than 2 months, you can apply for complete PF final settlement — including employee contribution, employer contribution, pension amount, and interest earned till the date of claim.

Before You Apply: Mandatory Checklist

This is where most members make mistakes. They directly jump to the claim form without checking these critical requirements. If any of these are missing, your claim will be rejected automatically.

Checklist 1: KYC Must Be Complete and Verified

KYC Document	Status Required	Why It’s Needed
Aadhaar	Verified ✅	OTP verification during claim
PAN	Verified ✅	Mandatory for amount above ₹50,000
Bank Account with IFSC	Verified ✅	PF money will be transferred here
Mobile Number	Active ✅	To receive OTPs

How to Check KYC Status:

1. Login to EPFO member portal
2. Go to “Manage” menu
3. Click on “KYC”
4. Check “Currently Active KYC” section
5. All three (Aadhaar, PAN, Bank) should show “Verified”

If any KYC is pending, get it updated first. Without verified KYC, don’t even try applying — it will be rejected.

Checklist 2: Date of Exit Must Be Updated

This is something many members don’t know. Your Date of Exit (DOE) — meaning the date you left your last job — must be updated in your PF account.

Without DOE, the system doesn’t know that you’ve left the company, and your withdrawal claim cannot be processed.

How to Check Date of Exit:

1. Login to member portal
2. Go to “View” → “Service History”
3. Check if your last employment shows “Date of Exit”
4. If blank, contact your previous employer’s HR to update it

Checklist 3: Transfer Old PF Accounts First (If Applicable)

If you’ve worked in multiple companies and have separate PF accounts with different Member IDs, you must transfer all old PF balances to your current account before applying for final settlement.

Why This Matters:

• If you apply for final settlement without transferring old accounts, your old PF money can get stuck
• EPFO may reject your claim asking for consolidation first
• You might lose track of old accounts permanently

Pro Tip: Complete PF transfer first, wait for it to reflect in your passbook, then apply for withdrawal.

Two Forms You Need to Submit

To withdraw your complete PF balance, you need to submit two separate claim forms:

Form	Purpose	What It Withdraws
Form 19	PF Final Settlement	Employee contribution + Employer contribution + Interest
Form 10C	Pension Withdrawal	EPS (Pension) contribution

Both forms are submitted online through the same portal, but you apply for them one after another — not together.

Step-by-Step PF Withdrawal Process

Now let’s go through the actual withdrawal process. Follow each step carefully.

Step 1: Login to EPFO Member Portal

Open unifiedportal-mem.epfindia.gov.in and login with your UAN and password. Complete OTP verification to access your dashboard.

Step 2: Navigate to Claim Section

Go to “Online Services” in the top menu and click on “Claim (Form-31, 19, 10C & 10D)”. A new page will open.

Step 3: Verify Your Bank Account

Enter the last 4 digits of your bank account number that is linked with your PF account. Click “Verify” and confirm. This is the account where your PF money will be credited.

Step 4: Proceed to Online Claim

After bank verification, click on “Proceed for Online Claim” button. The claim form page will open.

Step 5: Select Form 19 (PF Withdrawal)

In the dropdown “I Want to Apply For”, select “Only PF Withdrawal (Form 19)”. Additional fields will appear below.

Step 6: Upload Form 15G (If Applicable)

You’ll see an option to upload Form 15G. This form is needed only if:

Condition	Form 15G Required?
PF amount above ₹50,000 + Service less than 5 years	Yes (to avoid TDS)
PF amount below ₹50,000	No
Service period 5+ years	No
You’re okay with TDS deduction	No

Form 15G is a declaration to avoid TDS (Tax Deducted at Source) on your PF withdrawal. If your conditions don’t match, leave this field blank.

Step 7: Enter Your Complete Address

Fill in your complete address exactly as it appears on your Aadhaar card. Any mismatch can cause verification failure.

Address fields include:

• House/Building Number
• Street/Locality
• City/Town
• State
• PIN Code

Step 8: Get Aadhaar OTP

Click on “Get Mobile OTP” button. An OTP will be sent to your Aadhaar-linked mobile number.

Important: Make sure your Aadhaar has an active mobile number linked. Without this, you cannot complete the claim submission.

Step 9: Submit Form 19

Enter the OTP and click on “Validate OTP and Submit Online Claim”. Your Form 19 (PF Withdrawal) is now submitted successfully.

Step 10: Now Submit Form 10C (Pension Withdrawal)

Go back to “Online Services” → “Claim” again. Verify your bank account again and proceed.

This time, in “I Want to Apply For”, select “Only Pension Withdrawal (Form 10C)”.

Step 11: Complete Form 10C Submission

Enter your address as per Aadhaar, get OTP, and click “Validate OTP and Submit Online Claim”.

Your pension withdrawal claim is now submitted.

What Happens After Submission?

Once both forms are submitted, here’s the typical timeline:

Stage	Timeline	What Happens
Claim Received	Day 1	EPFO acknowledges your application
Under Process	Day 2-5	Field office reviews your claim
Employer Verification	Day 5-10	If needed, sent to employer for approval
Claim Settled	Day 7-15	Approved and processed
Bank Credit	Day 15-18	Money transferred to your bank (2-3 days after settlement)

Normal Processing Time: 7-15 working days for claim settlement, plus 2-3 working days for bank transfer.

PF Withdrawal Processing Time Summary

Claim Type	Expected Time
Form 19 (Full PF Settlement)	10-20 days
Form 10C (Pension Withdrawal)	10-20 days
Form 31 (Partial Advance)	7-15 days

In my experience, claims with complete KYC and correct details get processed within 10 days. Delays usually happen due to:

• Employer verification pending
• KYC mismatch
• Date of Exit not updated
• Old PF accounts not transferred

What If Your Claim Takes More Than 20 Days?

If your claim is not settled within 20 working days, don’t just wait. Take action:

1. Check Claim Status on the portal first (I’ll explain this in the next section)
2. File a Grievance on EPFO Grievance Portal (epfigms.gov.in)
3. Call EPFO Helpline: 1800-118-005 (toll-free)
4. Visit Regional EPFO Office with your documents if online grievance doesn’t help

Filing an online grievance usually speeds up the process. EPFO officers are required to respond within a specific timeframe once a grievance is registered.

Important Points to Remember

Do’s	Don’ts
Complete KYC before applying	Don’t apply with pending KYC
Check Date of Exit is updated	Don’t ignore old PF accounts
Transfer old PF first	Don’t enter wrong bank details
Keep Aadhaar mobile active	Don’t rush — verify all details
Save your Tracking ID	Don’t apply multiple times for same claim

Claim Status Tracking: Know Where Your Money Is

After submitting a withdrawal request, waiting without updates can be frustrating. Here’s how to track your claim.

How to Check PF Claim Status

Method 1: Through Member Portal

1. Complete the EPFO login on the portal
2. Go to “Online Services” → “Track Claim Status“
3. Your claim status appears with dates and remarks

Method 2: Through UMANG App

1. Open UMANG → EPFO → Employee Centric Services
2. Select “Track Claim Status”
3. Enter UAN and verify with OTP
4. View detailed status

Understanding Claim Status Messages

Status	What It Means
Under Process	Claim received, being reviewed
Sent to Employer	Employer verification pending
Settled	Amount processed, check bank
Rejected	Some issue found, check remarks
Return	Sent back for correction

Real Waiting Timelines (Based on Experience)

Let me share what actually happens:

• Day 1-3: Status shows “Under Process”
• Day 4-7: Moves to “Sent to Field Office” or employer verification
• Day 7-15: Field office processes and approves
• Day 15-20: Amount credited to bank

If your claim is stuck beyond 20 days, you should:

1. Check if employer approval is pending
2. Verify your KYC details are correct
3. Raise a grievance on EPFiGMS portal

Common EPFO Login Problems and Practical Solutions

Even after years of using the portal, I occasionally face issues. Here are the most common problems and their fixes.

Problem 1: “Invalid Credentials” Error

Causes:

• Wrong password
• Typing error in UAN
• Caps lock is on

Solution:

• Double-check your UAN
• Reset password using “Forgot Password” option
• Try a different browser

Problem 2: Captcha Not Loading

Causes:

• Slow internet
• Browser cache issues
• Server overload

Solution:

• Refresh the page multiple times
• Clear browser cache and cookies
• Try during off-peak hours (early morning or late night)

Problem 3: OTP Not Received

Causes:

• Mobile number not updated in EPFO records
• Network issues
• DND (Do Not Disturb) enabled

Solution:

• Check if your registered number is active
• Disable DND by sending “STOP DND” to 1909
• Wait 2-3 minutes and request OTP again

Problem 4: Website Not Opening

Causes:

• EPFO server maintenance
• High traffic during month-end
• Internet connectivity issues

Solution:

• Check EPFO official Twitter for maintenance updates
• Try after some time
• Use UMANG app as alternative

Problem 5: Account Locked After Multiple Wrong Attempts

Causes:

• Entering wrong password 3+ times

Solution:

• Wait for 24 hours for automatic unlock
• Or reset password through “Forgot Password”

Problem 6: “Member ID Not Mapped” Error

Causes:

• Employer hasn’t linked your UAN properly
• System glitch

Solution:

• Contact HR to verify UAN mapping
• Raise grievance on EPFiGMS if issue persists

Frequently Asked Questions (FAQs)