EPF / PF Services
EPF e-Passbook
Read your PF passbook line by line — employee share, employer share, pension and interest.
EPF service guide
Step-by-step
EPFO member portal · UMANGAbout this guide
The EPF e-Passbook is the official statement of your provident fund account for each Member ID. It lists monthly contributions, withdrawals, transfers and annual interest.
| Item | Details |
|---|---|
| Portal | passbook.epfindia.gov.in |
| Also | UMANG app |
| Columns | Wage month, EPF wages, EPS wages, employee share, employer share, pension |
| Interest | Credited once per FY |
How to download the e-Passbook
- Log inPassbook portal with UAN
- Choose Member IDSelect employer
- Select yearFinancial year
- Download PDFSave for records
Understanding the columns
| Employee share | Your 12% + VPF |
| Employer share | 3.67% (or balance after EPS) |
| Pension contribution | 8.33% of up to ₹15,000 → EPS, not withdrawable as PF |
| Interest | Credited separately for employee and employer shares |
| Transfer in / out | Balances moved from older Member IDs |
Useful tips
- Reconcile with payslips
- Download yearly for tax records
- Flag missing months early
Frequently asked questions
Why is pension shown separately?
EPS is a pension fund; it is paid as monthly pension or withdrawal benefit, not as PF balance.
Is the passbook proof for tax?
Yes, you can use it to compute taxable interest above ₹2.5 lakh.
Information is for education and comparison. Interest rates are notified by the Government every quarter and scheme rules can change — confirm with India Post, your bank, EPFO or PFRDA before investing. FinancePortal is not a financial or tax adviser.