Build long-term savings that move with your work.
EPF is the retirement-savings part of EPFO membership. Contributions build a portable balance that members can review, transfer and claim under the scheme rules.
Employees’ Provident Fund
The essential facts to understand before choosing a service or form.
- Who it covers
- Eligible employees of covered establishments.
- Typical contribution
- The employee and employer generally contribute 12% of basic wages and dearness allowance.
- Member identity
- A UAN connects eligible Member IDs across employment.
Benefits and outcomes
What the scheme is designed to support.
- Retirement savings supported by employee and employer contributions
- Portability when employment changes
- Interest credited under the declared rate
- Permitted advances for defined needs such as housing, illness, education and marriage
Prepare in this order
A clearer sequence reduces missing-record and wrong-form errors.
- 01
Activate and keep one UAN
- 02
Check identity, bank and KYC details
- 03
Review contribution entries in the passbook
- 04
Transfer earlier Member IDs when employment changes
- 05
Choose the correct advance or final-settlement path
Forms and records
Use the form finder for claimant-specific preparation.
Common questions
Plain-language answers based on the published scheme guidance.
Does the whole employer share go to EPF?
No. The employer share is distributed across EPF, EPS and applicable statutory charges under the contribution structure.
Can I use the same UAN after changing jobs?
Yes. The UAN is designed to connect eligible employment records; a new Member ID may be linked to it.