Read your EPF passbook and check every month
The EPF passbook is a long table of monthly credits split into three columns, and few people check it. TellBrief reads yours and shows what you and your employer put in, how much went to pension, the interest credited, and any month where nothing was deposited, so you can ask your employer in time.
How to do it
- Download the passbook from the EPFO member passbook site or the UMANG app using your UAN.
- Add the PDF to TellBrief and tap Brief.
- See the totals for your share, the employer's share and pension.
- Check the months listed and ask your employer about any that are missing.
What TellBrief tells you
- Your total balance and how it is split
- Interest credited each year
- Months with no deposit
- Transfers in from earlier jobs
Words you'll see
- UAN
- Universal Account Number: one number for all your PF accounts across jobs.
- Employee share
- Usually 12% of basic pay and DA, deducted from your salary.
- Employer share
- The employer's 12%: part goes to your EPF, part to the pension scheme (EPS).
- EPS
- Employees' Pension Scheme: the part of the employer's share kept for your pension, not part of the withdrawable EPF balance.
- Wage month
- The month of salary a contribution is for, which can differ from the month it was deposited.
Questions
Why is the employer's EPF share smaller than mine?
Because part of the employer's contribution goes to the pension scheme (EPS), shown in a separate column.
When is interest added?
Interest is credited once a year, after the rate for that year is declared.
What if a month is missing?
Ask your employer first. If it isn't fixed, you can raise a grievance on the EPFO grievance portal.
More guides
- Understand the reply to your RTI applicationGot a reply to your RTI application? See what was answered, what was refused and why, the fee asked, and the deadline for a first appeal.
- Know what your affidavit says before you signBefore you sign an affidavit, see what it says you are declaring, the verification clause, stamp paper and notary details, in simple English or Hindi.
- See exactly what a power of attorney lets someone doRead a general or special power of attorney before signing: the powers given, limits, whether it can be cancelled, and registration, in plain words.
General information, not legal, medical or financial advice.
Brief yours free