EPFO is a government initiative designed to provide financial security to employees. Anyone working in a salaried job in India, whether in the private or public sector, can access EPFO services.
It is mandatory for employees earning up to ₹15,000 to contribute to this scheme. Every employee and employer contributes a percentage of the salary to this fund. The main purpose of EPFO is to ensure that employees save for their retirement and have financial independence in case of unforeseen circumstances.
EPFO offers several benefits during employment, retirement, and after leaving a job. Employees can withdraw their EPF balance or transfer their EPF balance to the new employer without losing their accumulated savings.
Additionally, it also provides employees access to insurance and pension schemes, offering financial support even after retirement.
DSC for EPFO online speeds up claim approvals, KYC updates, and more. Buy Digital Signature Now to ensure secure, fast, and hassle-free EPF management.
What is the EPFO Portal?
The EPFO portal is like a one-stop solution for managing your EPF account online. You have joined a new organization and want to transfer your old EPF account to your current job. Instead of filling out forms and waiting in long queues, you can log into the EPFO portal and transfer your account in just a few clicks. You can also check your balance, withdraw funds, or update your KYC details—all without stepping out of your home.
The transition to a fully digital platform has made things much faster, more transparent, and easier for employees and employers. What used to be a time-consuming task is now just a few taps away.
DSC for EPFO online is essential for employers to approve KYC updates and manage employee details securely. Get your
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Key Features of the EPFO Portal
The EPFO portal provides several features to both employees and employers, ensuring ease of use and efficient management of EPF accounts. Below is a detailed look at the key features:
1. Member Login: The Universal Account Number (UAN) is a unique identification number provided to every EPF member. This number remains constant throughout an employee's career andallows for easier management of EPF accounts, even if they change employers.
2. UAN Activation: The first step for an employee is to activate their UAN, which can be done through the EPFO portal. Once activated, employees can log in to their accounts with their UAN and password to access various services.
3. Linking KYC Details: Employees can link essential KYC details such as Aadhaar, PAN, and bank account information to their UAN for smoother claim processing and verification. DSC for EPFO online adds an extra layer of security and authenticity to the KYC linking process.
4. Check EPF Balance: Employees can check their EPF balance directly on the portal without waiting for the annual passbook. The balance details provided on the portal include the employee's and employer's contributions, and the interest accrued for a particular period.
5. EPF Transfer: When changing employers, the portal allows employees to transfer their EPF balance from one account to another. This ensures that the employee's savings are consolidated into a single account.
Thus, this eliminates the need for employees to withdraw their funds when changing jobs, allowing their savings to grow uninterrupted.
6. Online EPF Withdrawal: Employees facing emergencies or nearing retirement can withdraw their EPF funds directly through the EPFO portal. This has made the process significantly quicker than the traditional paper-based application method. With
DSC for EPFO online, the process becomes more secure and efficient.
7. KYC Update: Update your KYC details to process your EPF claims and withdrawals without issues. Employees can update their KYC details through the EPFO portal. This includes their Aadhaar, PAN, and bank account number.
8. Track Claim Status: After submitting a claim for withdrawal, transfer, or pension, employees can track the progress of their claim through the portal. It provides real-time updates on whether the claim has
9. Grievance Redressal: If you encounter any issues related to your EPF account, such as delayed transfers or incorrect deductions, you can raise a grievance on the EPFO portal. The portal has a dedicated “Grievance Management System” to track the resolution process. been approved, rejected, or is still under processing.
DSC for EPFO online is mandatory for employers to authenticate submissions like KYC updates, claim settlements, and digital approvals. Buy now from Capricorn CA.
While Employed
How to Update KYC in EPFO?
1. Go to the EPFO Portal
2. Log in to your UAN Member Portal
3. Click on the "Manage" section
4. Select the "KYC" option from the drop-down menu
5. Enter your Aadhaar, PAN, and bank account details.
6. The system verifies the details through OTP and gets linked to your UAN.
How to Check EPF Balance?
1. Log in to the portal using your UAN and password.
2. Click the “View Passbook” section under the “Services” tab.
3. You can view your balance for multiple EPF accounts (if you have worked with more than one employer).
4. You can also download your EPF statement as a PDF for your records.
How to Track Claim Status of EPFO?
1. Visit the EPFO Member Portal.
2. Click on
"Services" → "For Employees" → "Know Your Claim Status."3. Enter your
UAN (Universal Account Number) and other required details.
4. Your withdrawal or transfer status details will appear on the screen.
You can also call 1800 118 005 to check the status of your EPFO withdrawal or transfer claim. Keep your PF Account Number or UAN ready for instant results.
Whether it's KYC updates, EPF balance checks, or claim status tracking, a DSC for EPFO online ensures smooth authentication and hassle-free approvals. Buy Capricorn DSC now!
How to Raise a Grievance in EPFO Portal?
To raise a grievance on the EPFO portal, you can:
1. Go to the EPFiGMS website.
2. Click the "Register Grievance" tab
3. Select the applicable "Status" option
4. Enter your details, including:
- Universal Account Number (UAN)
- Pension Payment Order (PPO) Number
- Establishment Number
- Email address
- Complaint description
5. Upload any necessary files to support your complaint. Click "Submit."
The EPFO will send an SMS and email acknowledgement with a unique registration number. You can check the status of your registered complaints online.
Read Also:- How to create a Digital Signature and Register a DSC for EPFO?Note: It can take 15-30 days to resolve your complaint. Send a reminder to the EPFO authorities to highlight the urgency of your grievance.After Resignation
How to Withdraw Full PF amount online after leaving job?
If you have been unemployed for over 2 months, you can withdraw your EPF balance. Follow these steps:
1. Log in to the EPFO portal with your UAN and password.
2. Click the “Claim” tab under the “Online Services” section.
3. Select the reason for withdrawal (retirement, medical need, unemployment, etc.).
4. Verify your KYC details (Aadhaar, PAN, and bank account) to ensure the request is processed seamlessly.
5. Submit the claim and wait for approval.
Note: The employer processes PF withdrawal requests within 15–20 working days. The amount will then be credited to the employee's bank account.How can I Transfer my PF account after job change?
To transfer your PF account after a job change, you can submit a transfer request online using the EPFO portal:
1. Go to the EPFO website and log in with your UAN and password
2. Click on Online Services.
3. Select One Member - One EPF Account (Transfer Request)
4. Verify your personal information and PF details for your current employer
5. Click Get Details to view your previous employer's PF details
6. Choose your current or previous employer to attest the transfer claim form
7. Click Get OTP and enter the OTP sent to your registered mobile number
8. Save the tracking ID
9. Print and sign Form 13
10. Submit Form 13 to your employer within 10 days
Note: While you don't need DSC for EPFO online to submit the transfer request, your employer will need to use their DSC signature to attest and approve the claim form for processing. How long will I get Interest on EPF after Leaving Job?
You can continue to earn interest on your EPF account for up to 36 months after leaving your job. After that, your account will become inoperative and you will no longer earn interest unless you contribute or withdraw. However, you can still earn interest on your account until you turn 58.
After Retirement
Can I Withdraw my EPF Balance Before Retirement?
Yes, you can withdraw your EPF balance before retirement. However, you can only withdraw 90% of your balance one year before retirement i.e. age 55. You can do this under special circumstances including home loans, medical emergencies, unemployment etc.
DSC for EPFO online ensures the secure and authenticated processing of these claims, allowing smooth and transparent transactions for both employees and employers.
Is it mandatory to Withdraw PF after Retirement?
No, it is not mandatory to withdraw your PF after retirement. You can keep your PF account active and continue earning interest on it. Additionally, you can transfer your PF account to a new employer if you take up another job. If you continue working, you can remain an EPF member even after retirement.
What is the Eligibility to Withdraw Pension Contribution in EPF?
You must be at least 50 years old and have worked for at least 10 years to be eligible for an early pension. If you are 58 or older but haven't worked for 10 years, you can withdraw the entire amount from your account in a one-time payment.
How to Withdraw Pension Contribution in EPF?
Follow these steps to withdraw your pension contribution online:
1. Visiting the Unified Member Sewa portal.
2. Log in with your password and UAN.
3. Selecting "Claim (Form-31, 19 10C & 10D)" under "Online Services".
4. Enter your bank account number and click "Verify".
5. Selecting "Withdraw Pension Only" as the claim type.
6. Clicking "Only Pension Withdrawal (Form 10C)" under "I want to apply for".
7. Enter your permanent address in Form 10C and tick the disclaimer section.
8. Clicking "Get Aadhaar OTP".
9. Entering the OTP sent to your Aadhar-linked mobile number.
10. Clicking "Validate OTP" and then "Submit Claim Form”.
Conclusion
DSC for EPFO online makes processes faster and safer for employees. They reduce paperwork, save time, and ensure secure online transactions. With a DSC certificate, employees can manage claims and updates easily, improving their overall experience.Frequently Asked Questions (FAQ)
How is Interest Calculated on EPF?
The EPF balance earns interest annually credited to the account at the end of the financial year. The Indian government decides the interest rate. For the financial year 2024, the interest rate is 8.25%. The interest is calculated on the total balance in your EPF account. (including both employee and employer contributions).
What are the new EPFO claim settlement rule changes?
EPFO changed the rules for claim settlements under the EPF Scheme, 1952. Earlier, interest was calculated only up to the end of the month before the claim was settled. Interest will be calculated now until the actual date of settlement. This update aims to provide more financial benefits to members and address delays.
How to withdraw PF money from ATM?
According to the new EPF rules, salaried employees and EPF members can now withdraw up to 50% of their PF balance through ATM during an emergency. This includes medical emergencies, education expenses, home loans, etc. Employees and EPF members must activate their UAN, complete their KYC with Aadhaar, and link their bank accounts for smooth integration.
How can I Check my Provident Fund Balance via SMS?
You can check your EPF balance via SMS, provided your UAN is registered with the EPFO and your mobile number is linked with your UAN. Send an SMS to 7738299899 in the following format: EPFOHO UAN ENG to check your balance. The SMS will return your EPF balance details.
