EPFO Login Online Services at unifiedportal-mem.epfindia.gov.in

EPF Services for BSNL Employee

How EPF scheme helps EPFO member or BSNL employee with new UAN helpdesk, how to check EPF balance online, what is the calculation formula of EPF pension, how to register for EPFO unified portal, where to get UAN number and member login details of UAN portal and how to withdraw EPF amount online and where we can check the claim status and how an employee can register the grievance against EPFO using UAN helpdesk to resolve the issues in online instantly?

Employee Provident Fund is EPF and the scheme is managed by EPFO of India under Employees Provident Funds and Miscellaneous Provisions Act 1952, where the act is applicable to specified establishments in which 20 or more persons (including the working contract employees) of any organization established in India to help the employees with huge retirement benefits.

Find the below links for latest circulars on Employees Provident Fund

EPF Rules

Who can become as an EPFO member to avail EPF Scheme ?

As per the new rules of Employee Provident Fund Organization (EPFO), the minimum salary for PF deduction of an employee who want to become an EPF member, if his/her pay is less than Rs. 15000 per month at the time of joining is allowed as a member and the employee who want to become an EPF member even drawing more than Rs. 15000 starting pay can obtain permission of Assistant Provident Fund Commissioner with mutual agreement of employer and employee.

EPF Contribution

EPF Member Services for an Employee
EPF Member Services for an Employee

On becoming a member, an employees is eligible for Provident Fund benefits, pension benefits and Insurance benefits and the employee is required to pay the contribution at 12% of Basic Pay and Industrial Dearness Allowance towards EPF, where the same equal amount at 12% contribution on employee emoluments.

Expenses on EPF subscriptions

Expense for% of amount
Administrative Expenses towards total emoluments0.85%
Contribution towards employees Deposit Linked Insurance Scheme0.5%
Administrative Expenses payable by the employer0.01%

How to check EPF balance from EPF India

The interest on EPF contribution is added to the Employee provident account on all the monthly accumulations on yearly basis after the financial year, and all the members of the EPFO are informed the balance of their fund accumulations through EPF balance slips or Annual Provided Fund statement of accounts FORM 23.

As per the latest circular, to check EPF balance, a member must have UAN number generated from Employee Provident Fund Organization (EPFO), and on submitting UAN, you can check the present EPF balance online through a missed call, via EPFO App or with EPF balance passbook by login into the member Passbook portal

EPF Passbook

The member of Employee Provident Fund Organisation can download and print their monthly subscription details deducted from salary towards at the new portal https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp by using new UAN login.

EPF Withdrawal

The employees provident fund members can avail the advances or withdrawals form the EPFO through FORM 31 which provides details and the documents to be submitted.

The members of EPF can avail drawal amount from EPFO for Plot Purchase and House Construction, Marriage, illness and closure of establishment, but these are all sanctioned by EPFO as per the percentage basis on the available EPF balance in the account.

EPF Payment on Death

In case of premature death, the EPF is payable to Nominee or family members specified as per the share mentioned in the nomination provided through online or offline.

Provident Fund member of the EPFO is also a member of the Insurance Scheme, for this there is no separate amount of contribution is payable by the employee, where in case of death of an employee while in service, upto Rs. 35000 is payable to Nominee/ Family members.

EPF Pension Rules and Benefits

Out of employers share of Provident Fund Contribution, 8.33 of pay is diverted towards Pension Fund, and the pension is not related to the quantum of contribution paid and also no individual account is to be maintained for the pension contribution and also no annual statement of account is supplied for pension account.

EPF Pension is based on the age, wage and service of the employee at the time of leaving the service, and the payment of pension is guaranteed and assured even in cases where the employer fails to deposit the Pension contribution.

BSNL employee who is under EPF scheme is eligible for pension after 10 years of regular service, and the Pension is payable on attaining the age of 60 years, whether he is in service or superannuated, where a BSNL employee can also have a chance to get early Pension at reduced rate can be availed on leaving the employment, after attaining the age of 50 years, Where an  employee  is totally  disabled  and  leaving  the  service  on  account  of  disablement, Disablement Pension is allowed. No age and service stipulation to claim this pension.

Pension Contribution in PF

The pension quantum may increase every year and the Pension claims are received three months before the date of superannuation, the Regional Provident Fund Commission will deliver the Pension Payment Order on the Day of superannuation.

Apart from the Pension benefit, a member can commute up to one third of his pension and in lieu of this, he/she will receive a lump sum amount equivalent to 100 times of the commuted value of the pension, and a pensioner may nominate a person to receive a lump sum amount after his death, as Return of Capital.

Where a BSNL employee or EPF member has not served for 10 years on the date of leaving the service he may obtain a Scheme Certificate so as to continue his membership during unemployment period and the same can be used to count the previous service as and when he joins another establishment·

EPF Family Pension

Family Pension is payable in case of death of a EPFO member

  • After leaving the employment
  • While in employment
  • After drawing the pension

Family Pension is payable even where the death occurs before 10 years of service and thus, the minimum eligible service of 10 years is not applicable. On Death of a pensioner, the Pension is automatically payable to the spouse (widow/widower).

When a EPF member or BSNL employee dies as Bachelor or Spinster or where there is no spouse or children below 25 years, the Family Pension is payable to Nominee till his/her death and when there is no valid nomination from EPF member, the Family Pension is payable to dependent father followed by dependent mother.

In addition to Family Pension to widow or widower, Children below 25 years are also eligible for Pension simultaneously and It is payable to the married daughters also, but on death or remarriage of widow/widower, the Children will be given enhanced EPF pension treating such children as Orphan. On behalf of the minor children the EPF pension is payable to guardian. Any child in a family with total and permanent disablement will receive EPF pension till death.

EPF Pension payment

The monthly pension is payable on the first day of every month through the Savings Bank Account of the pensioner in specified Banks and the EPF Pension can be drawn anywhere in India. The employees with less than 10 years of service on the day of superannuation may avail the benefit of withdrawal from the EPF Pension Fund.

Employees who have not contributed to the Family Pension Scheme 1971 can also join the new Pension Scheme before attaining 58 years, at their option paying the contribution and interest up to date. The contribution to EPF Pension Fund can be made beyond the new ceiling limit of Rs. 15000 on the joint request of the employee and the employer so as to get more pension benefit.

The EPF pension quantum is determined separately for the period of service from 01.03.1971 to 15.11.1995 as a fixed amount and known as Past Service benefit, but the pension for the service rendered after 15.11.1995 is calculated through formula namely


BSNL EPF member on his superannuation is entitled for Pension through the above formula only upto 60% of the pensonable salary (the salary drawn by an employee for a period of 12 months to the date of superannuation)

EPFO Unified Portal and the services offered with UAN Login

Employees Provident Fund organization provides an unified portal unifiedportal-emp.epfindia.gov.in/epfo/ with all online services for employers to register their establishments, and for Online ECR and Challan Submissions, and to process Pradhan Mantri Rojgar Protsahan Yojna schemes

Employees of any organization can utilize the EPFO unified portal services with allotted UAN number on login to EPF UAN portal. Many of the EPFO members don’t know about how to generate EPF UAN Number, here we guide the process of generating the UAN number with new login portal.


After generation of EPF UAN number, Activating the same in the new login portal is a small process which is permanent. With EPF UAN login id and password, a member of EPFO can transfer EPF account to other regions, merge multiple accounts, transfer EPF amount to one account from various, name and date of birth corrections, KYC activation and also submit the online nomination at EPF UAN login portal.

EPF Grievance

EPFO account members can lodge all their complaints or grievances through online by filling up the online grievance registration form at epfigms.gov.in/homepage.aspx mentioning the EPF account details and personal details and nature of the complaint in detail about Claims, Withdrawal, EPF Pension, EPF transfer, Insurance benefit, Balance Slip Name change, KYC updation and many more, where the registered complaints will have a chance to check the status of EPF grievance from anywhere in the same EPF website.

2 thoughts on “EPFO Login Online Services at unifiedportal-mem.epfindia.gov.in”

  1. After 3 Year of service, resigning from organization:
    1. what is the procedure for transferring EPFO account amount to NPS account??After resignation from organization whether it is possible because NPS account not yet open?
    2. Can we withdraw EPF account whole amount (100%) without any deduction of TDS??After resignation , (Can wait for complete of 5 years)


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