EPFO E Sewa: A Comprehensive Guide

EPFO E Sewa is a digital platform that allows employees to access their EPF (Employees' Provident Fund) accounts online. This platform is a game-changer for employees who want to manage their EPF accounts easily.

To use EPFO E Sewa, you need to register on the EPFO website and create a UAN (Universal Account Number). This is a unique number assigned to every employee who is a member of the EPF scheme.

Once you have a UAN, you can link it to your Aadhaar number, which is a mandatory step. This linking process is easy and can be done online.

With EPFO E Sewa, you can check your EPF balance, apply for a withdrawal, and even transfer your EPF account from one employer to another. These services are available 24/7, making it convenient for employees to manage their EPF accounts at any time.

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The EPF e-Sewa portal is a game-changer for employers, providing a paperless option for submitting KYC-related information and making payments. The portal allows employers to update their company and employee details, and even make payments using online banking or by printing a challan.

To get started, employers need to enrol their companies on the platform, which involves providing their company name, contact number, and email address. They will receive a verification email with a temporary link, which they can use to register their company.

Once registered, employers can submit their electronic returns, which will be available in PDF format for online saving and printing. The portal will also generate a Challan automatically, which the company can keep for future reference.

The e-Sewa portal offers several benefits to employers, including the flexibility to submit electronic returns, eliminating the need for paper returns. Employers also no longer need to file additional returns, such as Form 5/10/12A, 3A, or 6A.

Here are some of the key benefits of the e-Sewa portal for employers:

By using the e-Sewa portal, employers can streamline their EPF-related tasks and make the process more efficient.

To access the EPFO e-Sewa portal, you must first register your company. This involves providing your company name, contact number, and email address, along with a captcha to verify your entry.

The EPFO e-Sewa portal will send a verification email with a temporary link to your email address. You can then register your company by clicking the link, providing information about the company and its employees, and uploading attachments to verify the address and legal existence of the business.

To register your company, navigate to the EPF e-Sewa portal at https://unifiedportal-emp.epfindia.gov.in/epfo/, and follow these steps:

Once registered, you can log in to the EPFO e-Sewa portal using your new user ID and password.

To register on the EPFO portal, you'll need to follow these steps. First, visit the official EPFO member website and click on the 'Activate UAN' tab.

The UAN stands for Universal Account Number, a 12-digit identifier assigned to every EPF investor. You'll need to enter your personal details, including your UAN/member ID, name, Aadhaar number, date of birth, mobile number, and captcha code.

To complete the registration process, you'll need to click on 'Submit' to receive an authorisation PIN on your registered mobile number. Then, enter the PIN to authenticate the details provided.

Here are the registration steps in a concise format:

After completing the registration process, you'll be able to log in to your account using your UAN and password.

To log in to the EPFO Member Portal, you'll need to follow these steps:

First, visit the official EPFO website or EPFO United Login portal, which is https://www.epfindia.gov.in.

You'll see a "For Employees" tab under the "Services" Menu on the home page's main masthead.

Click on the "Member UAN/Online Services" tab to access the login page.

Enter your UAN and password, along with the available captcha code, and click on the "Sign In" tab.

You'll then be redirected to a page where you'll need to enter a 6-digit One-Time Password (OTP) sent by the EPFO portal on your RMN and click "Submit".

This two-factor authentication process is necessary to ensure the security of your account.

Here's a step-by-step guide to logging in:

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1. Visit the official EPFO website or EPFO United Login portal.

2. Click on the "For Employees" tab under the "Services" Menu.

3. Click on the "Member UAN/Online Services" tab.

4. Enter your UAN and password, along with the available captcha code.

5. Click on the "Sign In" tab.

6. Enter the 6-digit One-Time Password (OTP) sent by the EPFO portal on your RMN.

7. Click "Submit" to complete the login process.

To access the EPFO e-Sewa portal, you'll need to log in with your UAN and password on the unifiedportal-mem.epfindia.gov.in/memberinterface/ website. This will take you to the member interface, where you can manage your account.

Your KYC details, including Aadhaar, PAN, and bank details, must be verified to proceed with online services. To check your KYC status, navigate to the 'Manage' tab and select 'KYC' from the drop-down menu.

To enable EPFO KYC update online, follow these steps: log in to your EPF account with your UAN and password, click on the "KYC" option from a drop-down menu, update your document details, and click on the "save" option.

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The Universal Account Number (UAN) is a unique 12-digit number assigned to every employee participating in the Employees' Provident Fund (EPF) scheme.

It's a crucial piece of information that links multiple EPF accounts allotted to a single employee under different employers.

In India, the Employees' Provident Fund Organisation (EPFO) manages the EPF scheme, which is a vital social security benefit for working individuals.

The UAN is a significant innovation that simplifies the process of managing EPF accounts for employees.

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To update your KYC (Know Your Customer) details, you'll need to log in to the EPFO's member portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/. Once you're logged in, navigate to the 'Manage' option in the top menu bar and select 'KYC' from the drop-down menu.

You'll need to enter the details of the document you want to update, such as your NPR (National Population Register) or Aadhaar Card details, in the provided fields. Click on the 'Save' option after updating the details, and your updated details will appear under 'KYC Pending for Approval'.

After your employer's approval, the status will change to 'Digitally Approved KYC'. You can also track the status of your KYC document by visiting the EPFO website and selecting the 'Track EKYC' option from the drop-down menu.

Here are the documents required to update your KYC for EPF UAN:

Contributions to the EPFO are made by both the employee and the employer. The employee contributes 12% of their basic wage, while the employer also contributes 12% of the basic wage.

The employer's contribution is divided into two parts: 8.33% goes to the Employee Pension Scheme (EPS) and 3.67% to the Employees' Provident Fund (EPF). Additionally, the employer covers 0.50% for EPF administrative charges and 0.50% for EDLI (Employee's Deposit Linked Insurance) charges, totaling a 13% contribution of the basic wage by the employer.

You can calculate your EPF contribution by considering both the employee and employer's share. The total contribution is 12% of the basic wage, with the employer covering the remaining 1% on top of their 12% share.

PF dues consist of two parts: the employee's contribution, deducted from their salary, and the employer's contribution, added monthly.

Both parties contribute 12% of the basic wage according to section 2(b) of the act. This 12% contribution is split between the Employee Pension Scheme (EPS) and the Employees' Provident Fund (EPF).

From the employer's 12%, 8.33% goes to the EPS, while 3.67% goes to the EPF. Employers also cover administrative charges for EPF, totaling 0.50% of the basic wage.

Administrative charges for EPF and EDLI (Employee's Deposit Linked Insurance) charges add up to 1%, or 0.50% each, of the basic wage, and are covered by the employer.

The interest rate on EPF deposits varies, but it's generally around 8.15% to 8.25% per annum, subject to change as per government policies.

This interest is compounded annually, which means it's added to your deposit at the end of each year, so you earn interest on your interest.

The interest rate has fluctuated over the years, with some years seeing a higher rate than others.

Here's a breakdown of the interest rates for the past few years:

As you can see, the interest rate has ranged from 8.10% to 8.65% over the past few years.

You can withdraw your EPF entirely or partially. One way to do this is by submitting a physical application or an online application through the EPFO e-Sewa portal.

To withdraw your PF amount online, you'll need to log in to the EPFO e-Sewa portal using your UAN and password, and then select the 'Online Services' tab and choose 'Claim (Form-31, 19, 10C & 10D)'. You'll need to verify your bank account and agree to the EPFO's Terms and Conditions before proceeding.

The online withdrawal process is more comfortable and less time-consuming, making it a convenient option for many users. You can also track the status of your PF withdrawal claim by logging in to the UAN portal and selecting the 'Track Claim Status' option.

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Here are the steps to apply for EPF withdrawal online on the UAN portal:

You can choose to withdraw your EPF entirely or partially. This flexibility allows you to tailor your withdrawal to your specific needs.

To withdraw your EPF, you'll need to access the EPFO e-SEWA portal, log in with your UAN and password, and complete the captcha verification. This is the first step in the online claim process.

You'll then need to select the reason for your PF withdrawal from the dropdown menu. Only the options you are eligible for will be displayed, so make sure to choose the correct reason.

If you're applying for an Advance Claim, you'll need to upload necessary documents like your cheque or passbook. This is an important step in the process, so be sure to have all required documents ready.

You can request an OTP for verification, which will be sent to the mobile number linked to your Aadhaar. This is a secure way to confirm your identity and complete the claim application.

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You can withdraw your EPF in two ways: by submitting a physical application or an online application.

The EPF online withdrawal facility has made the process more comfortable and less time-consuming.

To withdraw your EPF online, you'll need to log in to the EPFO e-SEWA portal using your UAN and password.

You can access the EPFO e-SEWA portal by visiting the official EPFO website at https://www.epfindia.gov.in/site_en/index.php.

Once logged in, navigate to the ‘Online Services’ section and select ‘Claim (Form-31, 19, 10C & 10D)’.

You'll need to enter your bank account number (linked with UAN) for verification.

You can choose to withdraw your EPF entirely or partially.

Here are the steps to apply for EPF withdrawal online:

1. Log in with your UAN and password.

2. Click on the ‘Manage’ tab and select ‘KYC’ to check whether your KYC details are verified or not.

3. 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.

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4. The following screen will display the member details, KYC details, and other service details.

5. Enter your bank account number and click on ‘Verify’.

6. Click on ‘Yes’ to sign the certificate of the undertaking and then proceed.

7. Now, click on ‘Proceed for Online Claim’.

8. In the claim form, select the claim you require, i.e. full EPF settlement, EPF part withdrawal (loan/advance) or pension withdrawal.

9. If the member is not eligible for any of the services like PF withdrawal or pension withdrawal due to the service criteria, that option will not be shown in the drop-down menu.

10. Then, select ‘PF Advance (Form 31)’ to withdraw your fund.

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You can withdraw your EPF amount using a Composite Claim Form, which is a convenient way to get your money. There are two types of Composite Claim Forms: Aadhaar and Non-Aadhaar.

The Composite Claim Form (Aadhaar) is for you if you've already seeded your Aadhaar and bank details on the UAN portal and your UAN is activated. You can fill and submit the form to the respective jurisdictional EPFO office without your employer's attestation.

To use the Composite Claim Form (Non-Aadhaar), you'll need to fill and submit the form with your employer's attestation to the respective jurisdictional EPFO office. This form is for you if your Aadhaar and bank details aren't seeded on the UAN portal.

Partial withdrawals of EPF amounts are now easier, with some requirements alleviated and self-certification introduced for EPF subscribers.