Official statement
EPF passbook: download it and check your balance
ईपीएफ पासबुक और बैलेंस
Last reviewed: 11 November 2026
The EPF passbook is the member’s statement of contributions, interest and withdrawals. It lives on EPFO’s own passbook host and, after activation, in UMANG. This page explains how to open it and how to read the split between EPF, EPS and EDLI. It never asks for a UAN and it never displays a live balance. Login details are on UAN login. The rupee arithmetic is on the calculator.
What the passbook shows
A passbook is organised by member ID, under the one UAN. Each wage month can show the employee share, the employer share that stayed in EPF, the interest credited, and withdrawals. The number members usually care about is the EPF closing balance. Two amounts that also appear in the contribution rules are easy to misread as part of that balance.
EPS is the pension diversion. It is 8.33% of PF wages up to the wage ceiling, taken out of the employer’s 12%, and it does not sit in the EPF corpus. EDLI is 0.5% of wages up to the ceiling, paid by the employer alone, for insurance. It is excluded from the 12% plus 12% corpus. Interest under paragraph 42 of the EPF Scheme, 2026 is credited on the EPF running balance, rounded to the nearest rupee. It is not a second column of “8.25% of whatever the employer deducted”.
At the ceiling the monthly EPF inflow, which is what should build the passbook corpus, is definite. In August 2026 the ceiling was still ₹15,000, so the inflow was ₹2,350 (employee ₹1,800 and employer EPF ₹550) while EPS took ₹1,250 and EDLI was ₹75. From September 2026 the ceiling is ₹25,000, so the inflow is ₹3,917 (employee ₹3,000 and employer EPF ₹917) while EPS takes ₹2,083 and EDLI is ₹125. If the passbook shows a smaller employer EPF credit, the usual reasons are wages below the ceiling, a notified 10% class, or a month that has not been deposited.
Download it on the official passbook site
| Step | What to do |
|---|---|
| 1 | Activate the UAN on UMANG if you have never signed in. The passbook uses the same UAN. |
| 2 | Open passbook.epfindia.gov.in. The page reviewed on 11 November 2026 was version 1.2.28, dated 1 November 2026. |
| 3 | Sign in with the UAN and the member-portal password. If the password is forgotten, reset it on the member portal, not on a copied form. |
| 4 | Choose the member ID if more than one is listed, and download or view the statement. |
| 5 | Compare the latest wage month with your payslip. A missing month is an employer-remittance question, not a calculator question. |
The passbook host is not the same as the Unified Member Portal, even though both use the UAN and password. Bookmark the passbook address itself. A search result that looks similar and asks you to “view PF balance now” on some other domain is not this service.
Missed call and SMS balance channels
The same official login page prints two channels that do not need the website. Give a missed call to 9966044425 from the mobile number registered on the UAN. Or send an SMS, the word EPFOHO followed by the UAN, to 7738299899. The passbook helpdesk printed on that page is 1800 118 005. The member-portal notice prints a different helpdesk, 14470, for allotment and activation. Use the number that belongs to the problem you actually have.
Both channels need the mobile number that EPFO already holds. They are not a form. This website will not open an SMS composer with a UAN filled in, because it does not have your UAN and should not ask for it.
UMANG
PIB Release ID 2120326 says that after activation the member can view the passbook, among other services. UMANG is therefore a third official door, useful when you are already in the app that activated the number. It is the same statement, not a different balance. The EPFO page on UMANG is the department landing at web.umang.gov.in. If UMANG and the passbook website disagree, treat the passbook host as the statement of record and raise the difference through the helpdesk rather than through an intermediary.
Reading credits, interest and withdrawals
| What you see | What it usually is |
|---|---|
| Employee share equal to 12% of PF wages, capped at the ceiling | The employee EPF credit. At ₹25,000 wages from September 2026, that cap is ₹3,000. |
| Employer share smaller than the employee share | Normal. Part of the employer’s 12% was diverted to EPS. The passbook EPF column keeps only the remainder. |
| A round interest figure once a year | Paragraph 42 interest, posted on the monthly running balance and rounded to the nearest rupee. For a full FY 2025-26 at the old ceiling and a zero opening balance, that interest is ₹1,066. |
| A sudden drop | A withdrawal under paragraph 46 or a settlement under paragraph 49, or a transfer out. A transfer in from an old member ID shows as a credit, not as new wages. |
| No line for EDLI inside the EPF balance | Expected. EDLI is outside the corpus. Do not add 0.5% back in to “correct” the passbook. |
The calculator reproduces those ceiling figures and the paragraph 42 interest. It is a projection from wages you type. It is not a copy of your passbook, and it will not match a passbook that has missing months, a withdrawal, or an opening balance different from the one you enter.
If a month is missing
A deduction on the payslip is the employer’s deduction. The passbook moves when EPFO receives the money. One missing month is often a late ECR filing or a failed payment. Several missing months are a reason to ask the employer for the challan, and then to use the free grievance routes. PIB Release ID 2136592 names EPFiGMS and CPGRAMS and says members should not pay an agent to file a grievance.
KYC does not fill a missing contribution. It does make a later claim payable. If the passbook looks right but a claim is rejected, check KYC and the paragraph 46 or 49 conditions before assuming the balance is wrong. A transfer that has not arrived yet is a different status: the old member ID may still hold the money. That is covered on PF transfer.
Related pages
UAN login on the official EPFO member portal
Log in on the official EPFO Unified Member Portal with your UAN and password. Reset a forgotten password only there. EPFO will not call you for an OTP.
UAN KYC: update Aadhaar, PAN and bank details
Update Aadhaar, PAN and bank details for your UAN on the official member portal. From April 2025, bank seeding usually no longer needs employer approval.
EPF interest rate, contribution split and calculator
Declared EPF interest is 8.25% for 2025-26. See the official yearly table, the 12% and 8.33% split, the Rs 25,000 ceiling, and a rules-based calculator.
Frequently asked questions
Where is the real EPF passbook?
The member passbook login is https://passbook.epfindia.gov.in/MemberPassBook/Login. The page reviewed on 11 November 2026 was version 1.2.28, dated 1 November 2026. Sign in with the UAN and password. UMANG can also show passbook services after the UAN is activated, as described in PIB Release ID 2120326. This website does not show a balance.
What are the missed-call and SMS balance numbers?
The official passbook login page prints a missed call to 9966044425 and an SMS in the form EPFOHO followed by the UAN, sent to 7738299899. It also prints the passbook helpdesk 1800 118 005. Those are EPFO channels. They are not a reason to type the UAN into any other form.
Why is the passbook balance different from 12% of wages?
The employee’s 12% goes to EPF. The employer’s 12% is split: 8.33% of wages up to the ceiling goes to EPS and is not in the EPF corpus, and the remainder stays in EPF. EDLI at 0.5% is an extra employer payment and is also outside the corpus. Interest is credited on the monthly running balance under paragraph 42, not as a flat 8.25% of the year’s contributions. The calculator separates these figures.
A month is missing from the passbook. What does that mean?
It usually means the employer has not remitted that month, or the credit has not been posted yet. The passbook is the record of what was received, not a guess at what the payslip deducted. Raise it with the employer, and use EPFiGMS or CPGRAMS if it stays unresolved. PIB Release ID 2136592 says grievance channels are free. This page cannot see the missing month.
Does EPFO call members about the passbook?
The passbook login page warns members never to share Aadhaar, PAN, bank details or an OTP, and it says EPFO never calls members or pensioners to deposit any amount. A call about a “passbook update fee” is not an official service.