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EPF FORM 31:Instructions, Filing Procedure and How to Download

EPF FORM 31:Instructions, Filing Procedure and How to Download

Salaried employees contribute towards Employees’ Provident Fund(EPF) to build a corpus for retirement. However, this corpus built can also be utilized to meet various requirements during the employment period. They can apply for partial withdrawal by submitting EPF FORM 31- APPLICATION FOR ADVANCE FROM THE FUND. 

EPF FORM NO. FORM 31
PURPOSEApplication for advances (partial withdrawal) from EPF
LINKhttps://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form31.pdf
MODE OF FILINGBoth online and Offline
Additional RequirementsRelevant documents have to be submitted
Reason for advancesWedding, Home Loan, Medical Requirement etc.

EPF form 31 can be filled both online as well as offline. While filling the form offline the employee has to diligently fill his details, whereas, most details are pre-filled in case the members apply online. However, in order to avail the services online member has to register his UAN.

How to download EPF Form 31?

One can download Form 31 from the EPF website and fill it offline. However, there is a section which has to be filled up by the employer as well. Here is the link to download EPF form:

https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form31.pdf

  • The member must login using his/her UAN and password on the EPFO member Portal.
  • Then the member will have to go to the ‘Online services’ tab and select ‘claim’ for generating an online request.
  • On clicking ‘Claim’, a new page will open with all the details of the members like Name, Date of Birth, Father’s name, PAN Number, Aadhar Number, Date of joining the company, Mobile number etc. On checking if all the information is correct, member can proceed to ‘Proceed for online claim’
  • The next page will be the type of claim the member would like to apply for. In the drop down menu select ‘PF ADVANCE(FORM 31)’
  • The members now need to select the purpose for advance. Member has to choose from the various options available in the drop down box such as illness, natural calamities, power cut, non receipt of wages, and purchase of handicap equipment. In the next field the amount and his or her current address must be filled.
  • On completing this, the member will have to sign the disclosure. On checking the box ‘Get Aadhar OTP’ will be visible. On clicking that, OTP will be received and this must be authenticated. On entering the OTP and clicking on ‘validate OTP and submit claim form’ the member will complete the process for online EPF advance application.

How to Fill EPF Form 31??

When a member plans to withdraw funds partially from the EPF account, he needs to fill Form 31. All the fields in the form have to be filled or else the application may not be processed. EPF form 31 contains the following fields:

Contents to be filled by the Employee:

  • Name of the member
  • Mobile number
  • Purpose for advances
  • Amount of advances required
  • Father’s Name/ Husband’s name (in case of a married woman)
  • Name and address of the employer
  • PF account number
  • Monthly Basic wages and dearness allowance
  • Full postal address of the applicant
  • Signature of the Employee
  • Signature of the Employer
  • Mode of remittance
  • In whose favour check is to be drawn (In case of home loans, EMI’s etc.) 
  • For any reasons, provide your bank account details
  • In case of advance for marriage, provide complete details such as Name, age, date of marriage, address
  • Advance Stamp receipt (Fill the amount)

Contents to be filled by the Employer:

  • Certification by the Employer
  • Signature, date, and designation (along with the stamp of the establishment )
  • Enclosures

Contents to be filled by the EPF Commissioner:

  • Section
  • Account Number
  • Fund to be reimbursed 
  • Mode of remittance
  • Signature of the accounts officer

Purpose for EPF withdrawal:

Employees can withdraw the amount from PF account as an advance for the following purposes through Form 31:

  1. Purchase or addition /alteration/ improvement/ repair of house/flat, construction of house including the acquisition of site:
  • Completion of 5 years of service is mandatory.
  • Withdrawal of 24 months pay (Basic + DA) is allowed for the purchase of a plot.
  • Withdrawal of 36 months pay (Basic +DA) for the purchase of house/ flat/ construction or total cost, whichever is lower 
  • Withdrawal allowed only once during the service period.
  1. Repayment of loans in special cases:
  • Minimum service period required is 10 years.
  • A member can withdraw the least of 36 months’ pay or a total of employees’ and employer’s share plus interest or total outstanding principal with interest, whichever is less.
  • Certification from the lending agency indicating the principal and interest is required.
  1. Grant of advances in special cases:
  • Employees have not received pay for more than 2 months continuously for reasons other than strike or
  • In case of lockout/ closure of establishment for more than 15 days and the employees are unemployed without compensation or
  • Discharge/ dismissal/ retrenchment of member challenged by him/ her in court,(50% of EPF withdrawal is allowed) or
  • In case of establishment’s closure for more than 6 months and employees continue to be unemployed without compensation. 
  1. Advance to physically handicapped members for purchasing equipment for minimizing hardship:
  • Lowest of the 6 months pay or employees share plus interest or cost of equipment of withdrawal is allowed.
  • Second withdrawal is allowed after 3 years of first withdrawal.
  1. Advance for marriage of self/daughter/son/brother/sister or post matriculation education of son/daughter
  • Withdrawal allowed only after 7 years of contribution in PF account.
  • A member can withdraw a maximum of 50% of employees’ share plus interest
  • Withdrawal allowed for this purpose is three times during the service period.
  1. Advance for an illness of his/her own treatment or family:
  • Withdrawal of upto 6 months’ pay or employees share plus interest whichever is less
  • No service limit is required for availing the advances
  • Certification by the employer and a doctor is mandatory
  1. Withdrawal within one year before retirement.
  • Withdrawal is allowed after 54 years of age and within one year of retirement, whichever is later
  • Maximum 90% of the amount in the EPF account of the member can be withdrawn

Documents required along with EPF Form 31:

Documents for EPF Withdrawal 
Purpose of EPF withdrawalDocuments required
Buying a houseDeclaration,Registration certificate of the property
Repayment of loansOutstanding principal and interest certificate by the lending agency
Medical illnessCertificate by the employer and the doctor
Grant of advances in special casesCertificate from the employer
MarriageDeclaration to be done in Form 31
itself
Physically handicappedCertificate from the concerned
doctor
Withdrawal before retirementDeclaration by the member

Things to remember while filling Form 31:

  • Attach cancelled cheque with the form for verification in case you want disbursal of the fund in your bank account.
  • In case of offline application, certification by the employer is necessary
  • Money order can be used as the payout option only when the amount is below ₹2000
  • Online applications can be filed only if the member has linked his bank account, Aadhar and PAN with UAN
  • The bank account has to be verified by entering the last four digits of the bank account if the claim is filed online.
  • It generally takes a couple of weeks to process the claim and remit funds

How to register EPF grievance online

By visiting the new EPF i-grievance Management system members of the EPF scheme can register their grievances with the Employment Provident Fund Organisation (EPFO). Here, the members can register their queries and complaints, send reminders for the pending grievances and also know the status of their request. This is how one can register EPF Grievance online.

Grievances related to the following matters can be registered with the Grievance Management System:

  1. Final settlement of Pension
  2. Final settlement of EPF or withdrawal of EPF
  3. Scheme Certificate
  4. Transfer of PF accumulation into a new EPF account 
  5. Payment of Insurance Benefit
  6. Cheque returned or misplaced
  7. Issue of PF slip/ PF balance
  8. Any other Issue 

Register EPF Grievance on EPF i- Grievance Management System:

To register a grievance on this platform , select the “Register Grievance” option from the top menu and you will be redirected to the grievance form. This form contains the following fields divided into three parts:

  1. EPF details:
  1. Status: From the drop down menu select your status- Whether you are an EPF member, EPS Pensioner, Employer or other.
  2. PF Number- It consists of Office code, Region code, Establishment Code, Extension and account number. This is mentioned on your salary slip. You can also check it by logging in the UAN member portal. One can only log in if he is a registered member of the UAN portal.
  3. Office to which grievance pertains – From the drop down menu, select the office that manages your PF. You can confirm this with your employer.
  4. Name of establishment
  5. Address of Establishment

     B.  Personal Details:

  1. Name of the complainant
  2. Is the complainant and subscriber, the same person?- Yes/ No. If you are registering a complaint on behalf of someone else (the subscriber), you must mention the personal details of the subscriber.
  3. Do you want to have a Password: Yes/No. If you want to make your grievance confidential, you can create a password for the same.
  4. Address of the complainant.
  5. Phone number 
  6. Mobile number
  7. Email ID

Number 4, 5, 6 and 7 details should be related to that of the complainant and not to the subscriber. 

C. Grievance Details: 

  1. Grievance Category: Select the type of grievance that you want to register, from the drop down menu.
  2. Grievance Description:Here you need to give a brief of your grievance within 5000 characters. The important files can be uploaded that you think are important for redressal. Only PDF documents with size up to 1MB can be attached. Type the captcha code and submit your form. Once you submit the form, Registration number will be generated which you can use to check the status of your grievance or to send reminders.

Those members who have registered a Grievance on the EPF i- Grievance Management system can check its status on the same website. Click on ‘ Check status’ from the top menu.Now you need to enter the registration number provided to you along with the password (if you have created one). Fill the captcha code and enter. In case you created a password at the time of filling the grievance form but forgot it now, you can always retrieve it through your registration number. Hence, it is important to keep your registration number safe.

Reminder for redressal of your EPF Grievance:

If the EPF Grievance is not resolved within a reasonable time frame, you can always send reminders to EPFO by visiting the EPF-Grievance Management system. Click on “send reminder” from the menu bar. Now enter your registration number and password (if any). Fill the captcha code and click enter to send a reminder to EPFO. 

EPF and PPF: Difference,comparison,returns and which is better

What is PF?? PF is a popular name for EPF or Employees’ Provident Fund.It is a saving scheme for the employees of the organized sector, established by the government.  The EPF interest rate is declared by the EPFO every year. EPFO(Employment Provident Fund Organization) is a statutory body under the Employees’ Provident Fund Act, 1956. Currently the interest rate is 8.55%. Only the Employees of companies registered under the EPF Act, can invest in the PF or EPF. Both the employer and the employee are required to contribute 12% of the employee’s basic salary and dearness allowance every month to the EPF account.

PF or Public Provident Fund: It is a government supported savings scheme. It is open to everyone-employed, self employed, unemployed or even retired. The PF account is not mandatory and anyone can contribute any amount to the PPF subject to 500 Rs. and maximum of Rs. 1.5 Lakh per year. The current PPF interest rate is 8%. The PPF interest rate is reviewed every quarter. You can open a PPF account with most of the major banks and even with the post office. 

EPF Vs PPF:Eligibility, Tenure, Limits, Interest rate, Tax benefits:

ParameterPPFEPF
Investment AmountMinimum Rs. 500 and Maximum Rs. 1.5 LakhCompulsarily 12% of the salary,DA. It can be increased voluntarily. 
Eligibility to investAny Indian except for an NRI. Includes Students, Self employed, employee or retired persons. Only salaried employee of company registered under EPF Act.
Tenure15 years, extendable after that for a block of 5 years indefinitely. Can be closed while quitting job permanently. Can be transferred while changing companies till retirement. 
Rate of interest8.0%8.55%
Tax BenefitContribution is tax deductible under sec 80C. Maturity amount is also tax free.Contribution is tax deductible. Maturity amount is tax free only on completion of 5 years.
Governing actGovernment Savings Banks Act, 1873 (earlier Public Provident Fund Act, 1968)Employees Provident Fund and Miscellaneous Provisions Act, 1952
Contributor to FundSelf or parent in case of minorBoth Employer and the Employee

Safety: Both are safe due to statutory backing but still EPF is more risky due to equity exposure in it.

Both the EPF and PPF are government backed saving instruments. The EPF is managed by statutory body known as the EPFO while the PPF is managed by the Government directly. Every year, 15 % of the fresh money collected by the EPFO is invested in equities. The rest of the money is invested in Government bonds. The EPFO declares the EPF rate annually based on the return of the EPF corpus. The current EPF rate is 8.55% while the current PPF rate is 8%. Historically as well, the EPF rate has been slightly higher than the PPF rate. However the equity exposure in the EPF makes it vulnerable to market movements. A collapse in the market may make it difficult for the EPFO to maintain the EPF interest rate. 

The return of PPF are fixed and guaranteed by the government. The exact rate is set every quarter. Historically, the rates have fluctuated around 8%. The interest rate for january-March 2019 is 8%. It was 8% for october- December 2018 too. Here is a brief history of PPF rates:

PPF rates for the past 10 years

PeriodRate
July-September, 20187.6%
April-June,20187.6%
January-March,20187.6%
October-December, 20177.8%
July-September, 20177.8%
April-June, 20177.9%
January-March, 20178.0%
October-December, 20168.1%
July-September,20168.1%
April-June, 20168.1%
April 2015- March 20168.7%
April 2014-March 20158.7%
April 2013- March 20148.7%
April 2012- March 20138.8%
December 2011-March 2012*8.6%
April 2011- December 20118.0%
April 2010-March 20118.0%
April 2009- March 20108.0%
April 2008- March 20098.0%

Source: National Savings Institute

LIQUIDITY: EPF is more liquid. Withdrawals from PPF only allowed after the expiry of 5 years from account opening.

EPF:One can withdraw 75% of your EPF corpus if you are unemployed for a period of one month. One can withdraw the entire EPF corpus, if your unemployment extends up to two months. However note that if you withdraw your entire EPF corpus within 5 years of account opening,the withdrawal will be taxable. You can also simply leave the money in your EPF account even if you become unemployed or take up self employment or work in the organized sector. In this case EPF balance will continue to gain interest but will be taxable as well. After three years account will stop earning interest.

The retirement age of EPF is 58. Upon attaining this age you can withdraw most of your corpus. However a portion of the EPF corpus which is used for Employees’ Pension Scheme (EPS) will be paid to you as a pension and same will be taxable. 

You can also make partial withdrawals from the EPF. However, you have to specify the reason for the withdrawal and cannot use the funds for any other purpose.You don’t have to return the withdrawal amount. These partial are called as loans against EPF in common parlance.However the facility actually offered is partial withdrawal. There are different grounds for partial withdrawal and even the time period for each ground is different.

PPF:  In case of PPF, you cannot withdraw money due to unemployment. PPF account has a term of 15 years.  You can make partial withdrawals from PPF after the expiry of 5 years from the year of account opening but you do not have to give any reason for the same. However, the partial withdrawal is capped. The maximum amount that can be withdrawn as per financial year is:

  1. 50% of the account balance as at the end of the financial year, preceding the current year or
  2. 50% of the account balance as at the end of the 4th financial year, preceding the current year.

One can also get a loan against the balance in the PPF account from 3rd to the 6th year after opening of an account. The maximum amount of loan that can be availed against PPF account is 25% of the balance at the end of the 2nd financial year preceding the year in which the loan was applied for.

TAXATION:- 

EPF withdrawal becomes taxable if withdrawn before 5 years of completed service. PPf withdrawal is not taxable. 

Investment in the EPF qualifies for tax deduction under section 80 C of the Income tax Act up to Rs. 1.5 lakh per annum. This applies to both the employer and the employee contribution. Interest on EPF is also exempt from the tax unless you become unemployed. Withdrawals from the EPF are also free from tax unless you make them within 5 years of opening the EPF account. If the withdrawal amount within 5 years from the date of opening the EPF account is 50,000, TDS is deducted from the same.

Investment in the PPF account up to Rs. 1.5 lakh per annum gets u a tax deduction under section 80C of the Income Tax Act, 1961. The interest on the PPF is also exempt from the tax but must be declared in the annual income tax return. The PPF maturity amount is also exempt from the tax. In other words PPF enjoys “exempt,exempt,exempt”tax treatment.

Drawbacks of EPF:

  1. The EPF contribution is rigid and fixed at 12% of salary and DA from the employer and the employee. You cannot contribute less than this amount, although you can contribute more under VPF (Voluntary Provident Fund)
  2. EPF is only open to employees of companies which have registered under the EPF Act. This means companies with 20 workers or more. It is not available to self employed or retired individuals. 
  3. Withdrawals before 5 years from account opening of EPF is taxable. In the modern economy, many people cannot keep a job in an EPF registered company for 5 years.
  4. The EPF rate may not match the long term returns of mutual funds or National Pension System (NPS)
  5. If you move your jobs from larger to smaller companies or become self employed, You cannot contribute to the EPF. In such case, EPF will stop earning interest after 3 years from your exit from EPF registered employer. Your money will lie idle in the EPF account.

Drawbacks of PPF:

  1. PPF does not allow partial withdraws before expiry of five years after the year of account opening. You cannot withdraw from the PPF before this period even if you are unemployed or need some money for a family emergency. The tenure of the PPF for 15 years is also very long.
  2. PPF historically has a lower rate of interest than EPF.
  3. The PPF rate is fixed and over the long run can give much lower returns than equity linked instruments like mutual funds and NPS (National Pension System) 

How to Register/Change Mobile number in EPF Account

Many provisions are made by EPFO for its members to avail various services through SMS on the registered mobile number. Members can register their mobile number in EPFO’s database online through the EPF member portal. It is also very easy to change mobile number in the EPF account through UAN portal.

How to register mobile number in EPF account:

Once the UAN is generated, you have to activate your UAN by visiting the EPF member portal. Following are the steps mentioned to activate your UAN:

  • Visit EPF member portal.
  • Click on activate UAN
  • Now enter the UAN, name, date of birth, mobile number and email id
  • Click on “Get Authorization Pin”
  • An OTP will be sent to your mobile number
  • Enter the OTP to activate your UAN and this mobile number will also be registered with the EPF.

How to change EPF Mobile Number in EPF account online:

Once your mobile number is registered with your UAN, every kind of SMS by EPF will be carried through this number. This number can be changed by following the below mentioned steps:

  • Visit the EPF member portal and login to your account.
  • Now you need to click on “Contact details” in the manage section
  • Click on the “check mobile number” option. A new section opens where you have to enter the new mobile number twice. Now click on “ get authorization pin”
  • An OTP will be sent to this number.
  • Enter the OTP sent in the space provided and click on the “Submit” button.
  • Your new mobile number will be updated in the EPF Portal.

How to change the mobile number if you forget the Password:

At times it happens when you have your previous mobile number working but have forgotten the Password to login to your EPF account using the UAN. Below are the steps where you can change your mobile number as well as the forgotten password:

  • Visit the EPF member portal and “click on forgot password”
  • Enter the UAN and captcha and click on the “submit” button
  • In case you want to change your already registered mobile number click on “No”
  • Enter your name, date of birth, gender, and click on “verify” button.
  • Now, to verify your details, select Aadhar/PAN and enter your Aadhar/PAN. Now click on the verify button to validate your request.
  • Once the details are validated, you will be asked to enter your new mobile number and click on “Get OTP”
  • Enter the OTP sent to your new mobile number and then click on “Verify “ button.
  • Once the OTP is verified you will be asked to enter the new password twice.After entering the new password twice click on the “Submit” button

.

  • Your password will be changed and the new mobile number will be updated at the same time.

EPF services through Mobile:

Number of services can be availed by a member online as well as through the SMS service or the Umang app. These are the services that can be availed through the SMS:

  • EPF details
  • EPF balance
  • Your UAN and its status(active or inactive)
  • Bank account, PAN and Aadhar linking status
  • EPF Transfer and withdrawal status
  • Last contribution
  • OTP service for authentication

Employee Name Change in EPF Account

Employee Name Change in EPF Account

If anyone wants to change their name in the EPF account, they can easily do it on the Employees Provident Fund Organization Portal (EPFO).

 

All about EPF name correction form:

EPF name correction form is the most simple document. It is more of a letter than a document. It is addressed to the Regional EPFO commissioner and following format must be followed: 

  • The letter must be addressed to the Regional PF Commissioner.
  • State the subject of the letter as: “Joint declaration by the member and the employer”
  • State that you are or were an employee of the establishment that got your details wrong and that the letter is being written to request for corrections to be made to your details.
  • In a table with three columns enter the detail that needs to be changed, the correct entry and wrong entry that has been made.
  • This correction form can fix the following errors:
  • Errors in name
  • Errors in the name of the Father or Husband
  • Errors in PF or EPS account number.
  • Errors in date of birth.
  • Errors in date of joining an organization and
  • Errors in date of leaving an organization.
  • All the columns will be mentioned in the form and you will have to fill the ones where the information recorded needs to be corrected.
  • Once the form is filled , you can mention the documents that you are going to provide as a proof of the changes you are requesting.
  • As far as attesting the form is concerned:
  • You will have to affix your name to the form and sign it.
  • You will also have to enter the name of the authorized signatory from your previous Organization.
  • The authorized signatory will also have to sign the application form and affix the company seal on the form.

 

Documents required to access EPF account:

The list of the documents that the government has made acceptable for all the changes are:

  • PAN card
  • Driver’s Licence
  • Voter ID card
  • Passport
  • ESIC ID Card
  • Aadhar Card
  • Bank or Post Office Passbooks
  • Certificated related to schools and education
  • Copy of a phone or electricity or water bill that has your name on it.
  • A certificate that is created based on the records of government service (State or central)
  • Certificates of birth or death that have been issued by the registrar.
  • In extreme cases a letter issued by a recognized public figure,which has been authorized by the proper authorities can also be used as a proof.

 

Problems Created because of incorrect EPF details:

Incorrect information in your EPF account can create some problems at the time of withdrawal. The documents that you submit to your employer are very crucial. It is very important to make sure that all the details submitted and recorded at the time of registration are correct or it could add to the reasons for the rejection of online claim form. For approval of the claim, the details given on the form should match the ones in the establishment records. There are many other reasons that can be the reason for the rejection of the claim of EPF.

  • Nominee details are very important and should be updated when the member gets married as it may lead to hassles during an EPF Claim.
  • Any misspelt or wrong entry of data  in the EPF’s record during enrolment can lead to the rejection of the claim.
  • Date of joining is also another data that if wrongly recorded could create lots of problems in the EPF Claim. The date is crucial because it helps to calculate the EPS pension. It is also important for the calculation of the number of years of EPF contribution. On its basis it is decided that EPF withdrawal is tax free or not.

 

Procedure to change credentials online:

The Employees Provident Fund Organization (EPFO) allows its members to make changes in the credentials in EPF’s records online. In order to make changes online, EPFO has introduced the EPFO UAN portal. To access your EPF account through this website you need to have a UAN number, your mobile number and a password. UAN is a 12 digit unique number provided to the employees contributing to EPF. The UAN remains same throughout the career of an employee. 

  • If you want to change your mobile number, visit the EPFO UAN portal and click on “Profile”. Under the tab  change your mobile number. However, it is important to keep your old mobile number active while changing for the new one.
  • In case you do not remember your login password and your mobile number is inactive, you are then required to make an online request through the EPF UAN helpdesk portal. 
  • The helpdesk portal helps you to resolve and correct multiple issues in your EPF account. All you have to do is login to EPFO UAN portal and click on the “member” tab. You will be redirected to a page which will allow you to make changes in the given list.

 

Procedure to change credentials offline:

EPFO allows you to make changes in your EPF account online through UAN portal. Changes such as name, date of birth, date of joining etc. can be made offline as well in the following ways:

  • Name correction: If your name has been recorded wrongly in EPFO’s records, you will have to submit a joint application through your employer. You also have to submit all the supporting documents for name change. The following documents are required to make the changes:
  • Driving licence
  • Passport
  • PAN Card
  • Aadhar Card
  • Voter Identity Card
  • Bank Passbook copy
  • Ration Card
  • ESIC Identity Card
  • Any education certificate
  • A certificate issued by registrar of birth and death
  • Certificate as a proof of service in central or state government
  • Copy of telephone, water or electricity bill
  • Letter from recognized public authority or public servant as a proof of identity and residence of the employee.

Following are the steps to change your name in the EPF account offline:

    1. Fill in the requisite form with all the required details.
    2. Sign in the duly filled form.
    3. Obtain signature and seal from your employer on the form.
    4. Attach a self attested copy of any of the documents mentioned above.
    5. The application is then sent to the concerned EPFO field officer by your employer.
    6. Change of Fathers’ or spouse’s name: The same procedure as mentioned above can be followed. You are required to send a joint request on your behalf and the employer of the concerned EPFO department.

 

  • Date of birth correction: Following the same procedure above, you can also change the date of birth. The form has an option to make this change. However, you have to provide date of birth proof along with the application form. All the documents mentioned above can be provided as a proof of date of birth.

 

  1. Change of address: The EPFO portal does not allow the change of address online. The change can be made at the time of PF withdrawal or transfer. You need to provide an address proof.
  2. Correction of the date of joining and leaving can be done with the same procedure above

 

EPF name change rules:

As your name has been provided by your employer to the EPFO, change in your name in the account cannot be done independently. It needs a joint application by you and your employer. Only the specified documents listed above are allowed as identity proof in order to make the change.

 

Name correction due to marriage:

Sometimes after marriage you add a surname or a title, in such cases you are required to fill a prescribed form and submit it to the EPFO. If any change is made in the bank records or office records it is mandatory that the same is made in the EPF account. Along with the specific form to make the change you need to provide your marriage certificate as well. In case, your name is not highlighted in your bank account you need not to make any change in the EPF account. Name in the EPF account database and the bank account through which you intend to withdraw the EPF should match. 

 

How to update KYC for EPF UAN

The Universal account number was introduced in 2014 and ever since that all processes associated with Employees’ Provident Fund have become easier and quicker. Your UAN is necessary to upload your KYC in EPF.

The government has made it mandatory for employees to link their EPF account with Aadhar and other documents. People can update their KYC details quite easily through online portal. Updating your KYC details provides wide range of benefits like easy operation of accounts, low TDS on withdrawals, etc.

Steps to update your KYC details:

It is very simple to update your KYC details in the EPF account. Users have to follow following steps in order to update their details at the EPF Portal.

 

 

 

  • Under the “Manage” section click on the “KYC” option from the drop down list.
  • The form of KYC details updating will open. You can fill number of details such as Aadhar, PAN,  Ration card, passport , driving licence, election card, National Population register (NPR) and bank details.
  • Click on the box in front of the detail you want to update. You need to enter the document number, name as per the document, and also the additional details such as IFSC in case of bank details and expiry date in case of passport and driving licence.
  • Click on the save button and all the changes made by you will be saved under the “Pending KYC section”
  • If you donot want your details to be updated, you can cancel the KYC process by clicking on the X sign marked against the document before it is verified by the EPFO.
  • The details are then verified by the EPFO from the data of the concerned department.
  • Once the details matches, verified is marked in front of the document.

Updating contact details in your EPF account:

Along with the KYC details you can also update your contact details through EPF portal, Online.Here are the steps of how you can update the contact details:

  • Login to your EPF account using your UAN and password.
  • In the “Manage” Section, click on the “ Contact details” option in the drop down.
  • The mobile number and the email address is already added to the EPF account. These details were taken at the time of the activation of the account.
  • Tick on the box against “Change mobile number” option or “ change email ID” option to update the details and then click on “ Get Authorization Pin button.”
  • Once you enter the Authorization pin sent to you through an OTP on your mobile number, your mobile/phone/email details will be updated in your EPF account. This might take some time.

BENEFITS OF UPDATING THE KYC DETAILS:

Once the KYC details are updated, there are variety of benefits that can be availed. Some of them are:

  1. Smooth transfer of EPF accounts.
  2. Online withdrawal claim can be processed only when KYC details are seeded with the UAN.
  3. In case the member withdraws his PF before 5 years of service,a TDS of 10% is levied against the amount if PAN is updated in the account. In case PAN is not updated, TDS charge increases to 34.608%
  4. Members get a monthly SMS intimating the monthly PF after activation.

FAQs

1.Is it mandatory to update KYC details online?

No, it is not mandatory to update the KYC online. However, if one update the KYC it will keep your data up to date. It helps in reducing the time required for transfer of EPF money from one account to another and withdrawal of EPF amou

2. How long does it take for KYC documents to be approved?

It generally takes 3 to 5 working days for the documents to be reviewed and  approved.

3.  To view the status of the documents, do i need to visit the UAN portal daily?

No, you are not required to visit the UAN portal daily. You will be notified through  SMS once the documents are reviewed and approved.

4.     Do i need to upload the documents on EPFO portal?

No, you are not required to upload your documents on EPFO portal. Only the name as per the document and the document number must be specified.

5.  For the queries regarding EPFO whom should i contact?

The helpline number regarding all the queries is 1800118005.For technical  support you can contact them on dd.caiu@epfindia.gov.in                  

 

 

Check EPF balance Online: Through EPF Portal, Umang app., Missed call and SMS

The most common question which is asked by the employees is how to check the accumulated EPF balance in their EPF account. Along with your contribution, your employer transfers some amount in your EPF account every month.The monthly contributions made by you and your employers is reflected in the EPF Passbook. It also tells the total amount in Your EPF account. Some of the amount is also deposited in the Employees’ Pension Scheme or EPS. Checking of the EPF balance online makes it convenient to be up to date about the funds in your account.

Earlier, Employees had to wait for the Employer to furnish their EPF statement that was done at the end of every year. Now they can easily check their EPF balance online and offline.

There are two Online methods:

  1. EPF Portal
  2. Umang app on mobile

The offline methods are:

  1. SMS
  2. Missed Call Service

Let us find out how to check EPF balance in detail:

A) ONLINE MODES:

a.) EPF balance check using EPF Portal: Members of the EPFO can check their balance by visiting the official website of Employees’ Provident Fund Organization (EPFO). Here is a step by step guide to check EPF balance using UAN on EPFO portal.

Step 1: Visit the official EPFO Website- https://www.epfindia.gov.in/site_en/index.php

Step 2: Login to the EPFO website and click on “ our services” tab. From the our services drop down menu, click on “For Employees”. You will be redirected to https://www.epfindia.gov.in/site_en/For_Employees.php

Step 3: From the services menu click on “ Member Passbook”. You will be redirected to the login page.You can also directly visit the page by clicking on this link: https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp

Step 4: Login with your UAN and Password.

Step 5: After logging in, you will find member IDs of all accounts linked with your UAN. This means your EPF account with your current and previous employers.

Step 6: Click on the member ID of the EPF account for which you want to check the balance. The EPF Passbook will appear on the screen.

Points to remember:

Few important points one should keep in mind about the EPF balance check by visiting the website are:

  • Only those members who have activated their UAN and have themselves registered on the UAN member portal can check their EPF Balance through this particular method.
  • Once registered,the facility of viewing passbook will be available after 6 hours of registering on UAN member portal.
  • If any changes are made in UAN member portal, the same will reflect on the website after 6 hours.
  • The passbook will show the latest entries that have been reconciled by the EPFO field officers.
  • If you have stopped contributing to your EPF account for more than 3 years, your account will be inoperative. Also, Settled members, Exempted Establishments members and members of the inoperative accounts will not be able to viwe their passbook on the EPFO Website.

b) Checking the balance on UMANG app:

Through the centralised mobile app of the government, various services are provided by EPFO. The app is launched by the Ministry of Electronics and Information Technology can be used to view EPF Passbook, EPF balance, EPF settlements and the status of EPF Claims.The app is known as Umang.This app can be downloaded from the google play store/ app store. Members can check their balance and download their passbook on this app.

Follow the steps given below:

Step 1: Download the application from the play store/ App store or by directly clicking on https://play.google.com/store/apps/details?id=in.gov.umang.negd.g2c&hl=en_IN

Step 2: Open the Umang app on your smart phone and select EPFO.

Step 3: Click on the “Employee Centric Services”

Step 4: Click on “view Passbook” to check your EPF Balance.

Step 5: Enter your UAN and click on get OTP to send the OTP on the registered mobile number.Enter the OTP and click on login.

Step 6: Select the member ID of the company for which you want to check the EPF Balance.

Step 7:Your passbook will be displayed on the screen along with your EPF Balance.

c) Check EPF balance without UAN:

Those employees who have not created their UAN yet can also view their EPF Balance using the PF account number which can also be found on the Payslip. Once the individual login to the EPFO Portal they have to enter few details like state where he/she resides, mobile number etc to view the EPF Balance.

B) OFFLINE MODES:

a) Checking EPF balance by sending an SMS: The members of EPFO can also check their balance just by sending an SMS to 7738299899. The format of the SMS should be:

EPFOHO UAN ENG

So, if your UAN is 123456789000 and the preferred language is english, the SMS you need to send is “EPFOHO 123456789000ENG”. The language code will be the first three letters of the language for example ENG for English, MAR for Marathi.

EPFO offers its SMS facility in the following languages:-

  • English
  • Hindi
  • Gujarati
  • Punjabi
  • Marathi
  • Kannada
  • Malayalam
  • Tamil
  • Telugu
  • Bengali

This facility can be used only if your UAN is active and seeded with your Aadhar, Bank account and PAN. If you have not seeded your UAN with the above documents, first you have to complete the eKYC with UAN.

b) Checking EPF balance by giving Missed call:

The easiest way of checking your balance is by giving a missed call on this number- 011-22901406. However a member should fulfill the following requirements in order to use this facility:

  • The members UAN should be activated.
  • The member’s mobile number should be registered with the UAN as the missed call will be valid only if made from a registered number.
  • The UAN is seeded with other important documents like PAN, Aadhar and bank accounts.

EPF Customer care:

To solve any account related queries and to help customers know their EPF status at ease , EPFO has launched various mobile and web based services. You may register your grievances by dialling the EPFO India helpline number 1800118005. The PF regulator is also handling its presence in social media to handle grievances and requests from members. The Social networking platform comes as an additional support to the online public grievances addressing system of regional EPF Centres. Information about the regional offices is given at the EPFO Website.

At the end of each Salary period, annual statements of EPF account will be made available at the EPFO website, which can be downloaded by the employers through e Sewa Portal.

Here is the step by step procedure to download EPF balance statement:

  • Type the Url http://epfindia.gov.in in the browser.
  • Click on the link “for Employers” in the EPFO homepage.
  • Under the services listed in the page select”ECR Challan submission”
  • It will navigate to the Employer Sewa Page
  • Click on “employer E-Sewa” link given on the page and sign in using your credentials.
  • In the download tab, select download PF slips and choose your desired location to save the PDF.

FAQs:

1.Can i check EPF Balance using Aadhar number??

A.)No, You cannot check Your EPF balance using Aadhar number. You have to provide your UAN to check your EPF balance through any procedure.

    2.  How to check EPF balance through PF number??

You do not require PF number for checking the EPF balance. You have to use your UAN and password to check the EPF balance online.

    3.   Is it possible to check the EPF Balance of the previous organization?

All EPF accounts linked to the UAN will be displayed on the screen while you login to EPF portal. You have to select the respective member ID in order to check the EPF balance of a specific account.

    4.   Is there a method to check EPF balance using PAN?

PAN is not required to check the EPF balance. However, you should link your UAN and EPF to avail various online services related to EPF

  5. Is it possible to check the EPF balance by giving a missed call or sending SMS through unregistered mobile number? In order to check the EPF balance you need to register your mobile number. To avail all the services, it is mandatory to link your mobile number to

In order to check the EPF balance you need to register your mobile number. To avail all the services, it is mandatory to link your mobile number to

Learn to Login to EPFO Member Portal or EPFO Login

EPFO stands for the Employees’ Provident Fund Organization and offers the following services –

  • Employees’ Pension Scheme (1995)
  • Employees’ Deposit Linked Insurance Scheme (1976)
  • Employees’ Provident Fund Scheme (1952)

 

The EPFO falls under the Government of India’s Ministry of Labour and Employment. Employees can find information regarding their Employees’ Provident Fund or EPF via the EPFO member’s portal.  Members are provided with an online EPF Account Passbook and they can login via this passbook into the portal to check their EPF balance. However, to find out the current EPF balance, the portal requires you to have the EPF receipts which are received at the end of the year.

But the advantage of the website is the convenience with which your entire account details can be viewed online after you have registered your details and logged in to the member’s portal. Also when the e-passbook is available, an SMS is received on your registered mobile number.

 

Steps to login to the EPFO member portal

  • The first step is to be an EPF member or have an EPF.
  • For registration, you have to fill in all the relevant details at the site’s http://members.epfoservices.in main page.
  • Care must be taken to ensure that the correct document type is mentioned while filling out the details because every time you wish to Login you will have to enter the same details entered during registration. For instance, if you want to use your PAN card for registering into the portal, you need to select the option of ‘PAN number’ in the drop down menu titled ‘Select Any One Document’. After registering, you can subsequently log in to the EPFO Members Portal.
  • When entering details to get your PIN number, check the details before submitting them.
  • An authorized PIN will be obtained after submission of all the details.
  • You will be registered into the portal after entering the authorization PIN.

 

Upon entering the document type with document number and mobile number you can enter the online member portal and download the EPF passbook successfully from the website.

 

Points to note while registering and logging in to the EPFO member portal

There are a few pointers to consider while logging into the EPF Members Portal –

  • While registering online into the portal, you can use or enter only one mobile number.
  • Multiple ID numbers can be added by you, but while logging in the portal, you can use any one of the ids with the mobile number.
  • It is vital for your employer to upload the electronic receipt or challan plus return from the wages of May 2012 onwards, to help you make use of the members’ portal facility. Post this step, you can register and view your e-passbook for your EPF account.
  • Under one employer you can, as a registered member, view details of only one account. In case you have more accounts under one employer, you have to fill out the form number 13 with relevant details to apply for a transfer of accounts.
  • In case of accounts under different establishments or organizations, you can view 10 different accounts under the different organizations. Also, you can view the accounts a number of times.
  • For registering and logging into the portal, you only require any one of the identification proofs – PAN card, Aadhar card, voter ID, National Population Register, passport or driving license, along with the mobile number. You need not have to create a user ID and password.
  • An official request needs to be made via official channels in order to gain access to the facility to view inoperative accounts. However, it must be noted that this facility is unavailable for present members of the organization which are exempted under the EPF Scheme, 1952

 

UAN Portal and umbrella

A Universal Account Number or UAN was announced by the Prime Minister, Mr. Narendra Modi, to provide portability of Provident Fund number. Several facilities can be accessed via the EPFO’s UAN member portal – http://uanmembers.epfoservices.in/index.php

If an individual has several member IDs under different establishments or organisations, then the UAN acts like an umbrella. This is done by linking multiple Member Identification Numbers of a single member. If a UAN number has already been allotted to you, you can provide it to your new employer to enable him to mark your new member ID under the given UAN. You must first get in touch with your establishment or organisation to obtain your UAN. Then activate your member’s portal registration by using the UAN. This helps provide access to facilities, such as downloading UAN card, updation of KYC related information as well as access and updation of the member’s passbook. Only active members can currently register under the UAN.

How to Withdraw EPF Money Partially / Non Refundable Loan

As we are all aware, EPF is the Employees’ Provident Fund which is considered like a retirement fund towards which your employer contributes. If you want to withdraw EPF money partially from the EPF account, you could do so. It will be a non-refundable loan. However, it is not advised unless there is a severe or urgent need for funds and withdrawing from the EPF is the last resort. Even then you have to prove that your requirement for funds is genuine. Also, the officials go through the application thoroughly before allowing the partial withdrawal.

 

There are certain situations when you can apply for a non-refundable loan or an advance from the provident fund. These are –

  • Higher education
  • Medical treatment
  • Marriage
  • Home loan or buying a home
  • Natural calamity
  • Lockout in company
  • Withdrawal before retirement

 

Higher education

A non-refundable loan can be applied for on the EPF for higher education of the account owner himself/herself or for blood relations, such as the daughter, son, sister or brother. However, the following conditions must be met with to apply for a loan for education –

  • Having completed service of 7 years
  • The withdrawal can be of only 50% the EPF balance
  • This loan can be applied for a maximum of only three times in your lifetime

 

Medical treatment

Given the high cost of medical treatments in the present time, you can withdraw money from your provident fund for medical emergencies, before you have retired. This is as per para 68(J) EPF and the MP act of 1952.

The points to consider when applying for this loan are-

  • The loan must be for the medical treatment of yourself or your spouse, children, or parents who are dependent on you.
  • The patient must be hospitalized for at least a month.
  • If the loan is for self, then you must be on leave from the company.
  • The loan can be applied for diseases, such as heart disease (without need for hospitalization), paralysis, tuberculosis, cancer, mental disorder and leprosy.
  • The amount withdrawn can be six times (basic pay + dear allowance (DA)).
  • A loan can be taken any number of times for medical treatments.
  • Proof from the hospital and/or specialized doctors must be provided as and when required for availing loans for medical treatments.

 

Marriage

You can apply for a partial loan for the marriage of yourself or that of your blood relations, such as brother, sister, daughter, or son, while you are still working as per the para 68(K) EPF and the MP act of 1952. Proof or supporting documentation, such as the marriage invitation card, must be provided to avail the loan for marriage. Following conditions must also be met-

  • Must have completed a service of 7 years in the company.
  • Loan can be applied for 50% of the balance present in EPF.
  • Can apply for loans for marriages for maximum of three times in your entire life.

 

Construction or buying a home or plot

Buying a home or constructing one is a costly affair even though it is a dream for everyone to have their own home. Considerable thought must be given to withdrawing from EPF for purchase or construction of your house because the EPF account is your retirement fund. If you decide to apply for nonrefundable loan from EPF, the following conditions must be met –

  • You must have completed 5 years of service in the company.
  • The house you wish to purchase or build must either be in your name or that of your spouse.
  • There should be no other partner or joint holder apart from you and the spouse.
  • The loan can be applied for only once in your lifetime.
  • The amount you can apply for, for construction of or purchase of your house, is 36x (basic pay + dear allowances).
  • Submission of Form 31 is needed for this loan application.
  • In case of buying a plot, you can withdraw 24x (basic pay + DA) .
  • The purchase agreement needs to be submitted if you are buying the house or plot.
  • If you wish to alter or make additions to the old house, you can withdraw up to 12x (basic pay + DA).
  • Loan for alterations can be applied for only after 5 years of construction.
  • Loan for repair of house can be applied for after 10 years of its construction.

 

Repayment of home loan

For the repayment of home loan, you must have completed 10 years of service to apply for a partial loan withdrawal on your EPF.

 

Natural calamity

There are no rules for applying for loan for withdrawal in the event of natural calamity other than withdrawing under para 68(L) EPF and MP act of 1952. The amount withdrawn can be only 50% of the contribution made by the employer. The proof of damages done by the calamity must be submitted.

 

Lockout in company

When the company you work for is not being able to pay you your salary, you can withdraw from your EPF to meet with the daily basic needs. This is however not recommended as EPF is your retirement corpus but if there is no alternative you can apply for loan under para 68(H) EPF and MP act 1952, when the following conditions are met –

  • The company is closed for minimum of 15 days and you have not received your salary for minimum 2 months.
  • The amount you can withdraw is the (basic pay + DA) that has not been paid to you. The employee contribution in the account should be more than what you can withdraw.
  • If the company is closed for more than 6 months and you are still unemployed, you can withdraw the entire employer contribution amount.

 

Withdrawal before retirement

Under para 68(NN) EPF and the MP act 1952, you can withdraw the EPF 1 year before your retirement. The pre-retirement withdrawal needs you to

  • Be above 54 years of age
  • Up to 90% of the EPF can be withdrawn.
  • Proof in the form of a certificate needs to be obtained from the employer to validate the date of retirement.

 

Procedure to apply for non-refundable loan or advance from the PF or provident fund

You need to submit Form 31 to the concerned Provident Fund office after getting the form attested from your employer. Also, carry required documentation to apply for the advance.

 

There is no need to carry employer attestation if your UAN has been activated and linked to your Aadhaar card as well as bank account. In that case simply submit the New Form 31.

All necessary forms related to the Provident Fund

The Employees’ Provident Fund or EPF has a number of different forms specific for the task you need to carry out. Below are various types of forms:

All EPFO Forms

 

  • Form 13 (Revised)

This form is used for transferring a member’s Provident Fund account from one company to that of another company or establishment as per the scheme or under the act.

 

  • Form 14

This form is needed as application when the provident fund is used to finance a life insurance policy.

 

  • Form 19 (EPF complete withdrawal/final settlement)

This form needs to be submitted by a member in order to withdraw an entire accumulated amount at the time of retirement, termination from service or when leaving the service. This is also known as final settlement.

 

  • Form 20

In case of demise of the member, his family members or nominee can claim the provident fund accumulated of the member by submitting this form.

 

  • Form 31(EPF advance/partial withdrawal)

This form is needed for taking an advance or withdrawing from the provident fund by the member as per the scheme. A part of money can be withdrawn at the time of emergency during the employment period.If you are withdrawing at the ground of unemployment you have to fill form 31. The purpose of withdrawal has to be mentioned in the form. The approval of claimed amount depends upon the funds accumulated in the members EPF account and also on the allowable limit.

 

  • Form 10- C (Pension withdrawal)

If you want to withdraw the pension, form 10-C should be filled. Thus on the ground of unemployment you have to fill form 31 and form 10-C. The fields in this form are similar to that in form 19. The pension amount is regulated by the Employees pension scheme  1950 whereas the PF amount is regulated by the Employees provident fund scheme 1952. So if you want to withdraw both the PF and the pension amounts you have to fill both the forms separately.

 

  • Form 10- D

This form is to be submitted by the first claimant, who could be the member or his/her widow or widower, orphan or any other nominee, whatever the case maybe.

 

  • Composite Claim Form

While applying for the withdrawal offline, you need to fill the composite form which serves the purpose of three forms-Form 19 (Final PF settlement), Form 10-C (For pension withdrawal), and form 31 (For part withdrawal)

 

  • Pensioner certificate

This certificate includes the Life certificate as well as the certification of non remarriage.

 

  • Form 2

This is a form for nomination along with declaration of exempted and unexempted establishments.

link: https://drive.google.com/file/d/187c9Z–9dvz_ltHK5m4bdt5ZNXj9-FR2/view

 

  • Form 5

It has the Employee’s Provident Fund Scheme 1952 (Para 36(2) (a)) and also the Employee’s Pension Scheme, 1995 (Para 20(4)). It serves the purpose of the submission of details of the first time members of EPFO in particular month.

link : https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form5.pdf

 

  • Form 5(I.F)

This form is to be filled by the person who is eligible to receive the EPF dues of the member who passed away while still in the services.

 

  • Statement IW- 1

This is a statement of Employees who are qualifying to for membership under the scheme but as international workers.

 

  • ASR

It stands for ‘Advance Stamped Receipt’.

 

  • Form 3A

This is for the ‘employees’ provident funds scheme, 1952 (PARA 35 & 42)’ and also the ‘employees’ pension scheme, 1995 (PARA 20)’. It depicts the month wise  contributions made by the subscriber/member and employer towards pension funds and EPF in a particular year.

 

  • Form 6A

Similar to the previous form, this form represents the ‘employees’ provident fund scheme, 1952 and the employees’ pension scheme, 1995’. It is a consolidated annual contribution statement. It contains details about the annual contributions of each member of the establishment.

 

  • Form 9 (Revised)

This form represents the ‘employees’ provident funds scheme, 1952 (PARA 36(1))’ and also the ‘employees’ pension scheme, 1995 (PARA (20)’. It is commonly known as the declaration form. This form is basically used when the member is taking up the employment where both the schemes are available such as Employees pension scheme and Employees provident Fund Scheme.

 

  • Form 12A

It represents the Employee’s Provident Fund and Misc. Provision Act, 1952.

 

  • Challan

This is the combined challan for the Employee’s Provident Fund Organization (EPFO) account numbers 1,2,10,21 and also 22.

 

  • Form BN

This is the form needed for allotment of the BN.

 

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