Employee Provident Fund (EPF)

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Email - epfindia.net.in@gmail.com
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Employee Provident Fund Registration

ABOUT US -
We provid Private consulting services for
1. Employee Provident Fund Registration
2. UAN Generation
3. Monthly ECR Filing And Compliance


EPF Documents List

1) Applicant Aadhar ( Proprietor / Partner / Director)
2) Applicant Pan card ( Proprietor / Partner / Director)
3) Bank passbook/statement/ Cheque copy
4) Business Address proof - Light bill
5) MSME registration Certificate / Shopact copy

EPF Registration Offer

EPF - Employee Provident Fund Registration
@ Professional fee - Rs 2500 only
Time for Registration - 1 day
EPF CODE License with Life Time Validity.
Call / Whats App - 9665667006
Email - epfindia.net.in@gmail.com  

Email - info@epfindia.net.in


EPF Registration

Employees Provident Fund (EPF) Registration - Registration And Monthly Filing

Employees Provident Fund (EPF) -

The Employees Provident Fund (EPF) is a Contributory fund with contributions from both the employee and their employers.

While the focus of the ESI scheme is healthcare, Provident Fund is focused towards post Retirement Income and Benefits.

EPF is a compulsory and contributory fund for Indian organizations under “The Employees’ Provident Fund and Miscellaneous Provisions Act 1952”.

Employee and Employer Contributions to the Employee Provident Fund (EPF) -

For EPF, both the employee and the employer contribute an equal amount of 12% of the monthly salary of the employee.

Type Of Fund -

The contributions by the employee and employer are divided into two separate funds:

  • – EPF (Employee Provident Fund) and
  • – EPS (Employee Pension Scheme).


For PF contribution, the salary comprises of fewer components:

– Basic wages,
– Dearness Allowances (DA),
– Conveyance allowance and
– Special allowance.
The employers monthly contribution is restricted to a maximum amount of Rs 1,800. Even if the
employee’s salary exceeds Rs 15,000, the employer is liable to contribute only Rs 1,800 (12% of Rs 15,000).

EPF Registration Certificate Sample Copy




Employees Provident Fund (EPF)


The Employees Provident Fund (EPF) is a Contributory fund with contributions from both the employee and their employers.
While the focus of the ESI scheme is healthcare, Provident Fund is focused towards post Retirement Income and Benefits

EPF is a compulsory and contributory fund for Indian organizations under “The Employees’ Provident Fund and Miscellaneous Provisions Act 1952”.

Employee and Employer Contributions to the Employee Provident Fund (EPF)
For EPF, both the employee and the employer contribute an equal amount of 12% of the monthly salary of the employee.
Employees can contribute more than 12% of their salary voluntarily, however the employer is not bound to match the extra contribution of the employee.

For PF contribution, the salary comprises of fewer components:
– Basic wages,
– Dearness Allowances (DA),
– Conveyance allowance and
– Special allowance.
The employers monthly contribution is restricted to a maximum amount of Rs 1,800. Even if the
employee’s salary exceeds Rs 15,000, the employer is liable to contribute only Rs 1,800 (12% of Rs 15,000).


Details of EPF

The statutory compliance associated with PF contribution has some lesser known facts associated
with it.
The contributions by the employee and employer are divided into two separate funds:
– EPF (Employee Provident Fund) and
– EPS (Employee Pension Scheme).


UAN Registration & Activation Online

Individuals will need to activate or register their Universal Account Number (UAN) in order to access various facilities on the Employees’ Provident Fund Organisation (EPFO) portal. The procedure to activate the UAN is very simple and can be completed in a few minutes.

It is mandatory for employers who have more than 20 employees working for them to register with the EPFO. If the employer is registered to EPFO, all employees who are working in that organisation with a basic wage of up to Rs.15,000 must join the Employees Provident Fund (EPF) as well. 12% of the employee’s salary is contributed by the employer and employee each towards the Provident Fund (PF). Upon registration of UAN, the employee will be able to view the balance as well as PF withdrawal amount online.

For more information, Check out related articles UAN Login, PF Balance Check, EPF Claim Status & EPF Passbook


Steps to UAN Registration & Activation


In order for individuals to activate their UAN, it is mandatory that they know their UAN number, Member ID, Aadhaar number, or PAN. The procedure that must be followed by employees to activate their UAN is mentioned below:

    1. First, employees must visit https://unifiedportal-mem.epfindia.gov.in/memberinterface/

    2. Next, the employee must click on ‘Activate UAN’.                      

    3. On the next page, the employee must enter his/her UAN, Member ID, Aadhaar number, or PAN.

    4. Next, the employee must fill up the required details such as name, date of birth, mobile number, email ID, and captcha.

    5. Once the above details are filled, the employee must click on ‘Get Authorization Pin’.

    6. The employee will receive the PIN on his/her mobile number that has been registered with the UAN.

   7. On the next page, the employee must enter the OTP, check the ‘I Agree’ disclaimer checkbox, and click on ‘Validate OTP and          Activate     UAN’.

    8. The employee will receive password details on the registered mobile number.

    9. The employee can use his/her UAN, password, and captcha details to log in to the EPFO portal. Employees are also allowed to          change the password that they have received on their registered mobile number.

    10. In case employees forget the password, they will be able to reset the password on the EPFO portal. However, employees will need            to know their UAN in order to reset the password.


FAQs on UAN Registration & Activation

1. How is UAN Generated?

UAN is generated for each PF account holders by the Employee Provident Fund Organization and made available to employers on the Online Transfer Claim Portal (OTCP).

2. What is the URL of the EPFO Member Portal?

The URL of the EPFO member portal is https://unifiedportal-mem.epfindia.gov.in/memberinterface/

3. Can I Change My Mobile Number or E-Mail ID in the UAN Member Portal?

Yes, you can change your mobile number and email in the UAN portal. What you have to do is to go to the profile menu and select the option called “Edit Mobile No" or “Edit Email ID" where you need to enter your new mobile number or e-mail id.

4. Procedure to Allocate UAN to New Employees

As soon as you join a new company, your employer will collect your previous PF account details, make verification and then forward the same to the EPFO to generate the UAN. The employer will then pass on the UAN once the EPFO generates it.

5. How to Correct Personal Details in UAN?

      Employees should submit their correct details which employers will verify and send to the concerned officer. After proper        verification, the correct information will be updated in the UAN portal.

6. What is the Procedure of Uploading KYC Document in the UAN Member Portal?

You can upload your KYC document in the portal by using Bulk KYC Text File Upload.

7. My photograph does not appear on my UAN card at all. What can be done?

Currently, it is not possible to get your photograph on the UAN card. The photo will appear on the card after you update your KYC of Aadhaar, and it will be picked up directly from the Aadhaar database. This facility is being configured now and will be available to you soon.

8. Is it possible to upload my KYC document through the UAN Members e-Sewa portal?

Yes, this is possible. You will have to go to the menu option ‘Profile’ and select ‘Update KYC Information’. This enables you to upload the KYC document from your local system. This document will have to be approved by the employer; until then the status of the KYC will appear as ‘Pending’.

9. Why does the Universal Account Number list all previous member IDs?

The Universal Account Number was configured to consolidate multiple Member Identification Numbers (Member Ids) that were allocated to a single member. This is intended to help a member view his Member IDs and further enable him to check his eligibility for online transfer of PF amounts. However, in the future, members would be required to disclose their previous Member IDs or UAN to the new employer in Form-11; hence eliminating the need to list these Member IDs in the UAN. The linking will be done automatically from the information in the Form-11 document.

10. Will the UAN facility be available to non-permanent Government employees, i.e., the contract-based workforce?

The UAN facility is available to all members who contribute towards EPFO. This is inclusive of contract-based employees, as well.

11. My personal details are incorrect in the UAN card. How can I get these corrected?

You should submit the correct information to your employer, along with relevant proof. The employer will validate and submit this information to the concerned field office. Since the UAN card is dynamic, it will be automatically updated.

12. Why am I allocated two Universal Account Numbers?

If there are two Universal Account Numbers allotted to you, this could be because your previous employer did not file your date of exit, and the transfer of service to your current establishment was made as well. In such a scenario, you should immediately report the issue either to your employer or send an email to uanepf@epfindia.gov.in, mentioning your UANs. After verification, the previous UAN will be blocked, and the latest UAN will be active. Subsequently, you will be required to submit a request for the transfer of service and funds to the active UAN.

13. What is the Procedure of Allocating a UAN to New Employees?

If your UAN is not generated by your previous employer, your new employer will collect the required information such as your previous employer details and PF Account number, verify it and forward the information to EPFO for UAN generation. Once UAN is generated by EPFO, it will be communicated to your current employer who will then make it available for you.

14. Can My Employer see the UANs Allotted to its Employees?

Yes, your employer can see the UANs allotted by EPFO to its employees. Any employer can view the UANs allotted to employees by visiting the UAN member portal and clicking on the “UAN Menu”. In the menu, there will be an option called “Download UAN List’. By clicking on this option, employers would be able to see the UANs allotted to its employees. Besides, they can also download the PDF version of the same. For any queries, employers can contact the toll-free no: 1800-118-005 or email EPFO.


Schemes Offered Under the EPFO


Given below are the various schemes that are present under the EPFO:

  1. Employees’ Provident Funds Scheme 1952 (EPF)
  2. Employees’ Pension Scheme 1995 (EPS)
  3. Employees’ Deposit Linked Insurance Scheme 1976 (EDLI)


The schemes are explained below

1. Employees Provident Fund (EPF) Scheme 1952

This scheme provides an accumulation of funds that can be used by members after their retirement or can be used by their families in case they pass away.

2. Employees’ Pension Scheme (EPS) 1995

This scheme provides pension is provided on a monthly basis after the member retires, faces a disability, or the pension will be given to the widow or children in case the member passes away.

3. Employees Deposit Linked Scheme (EDLI) 1976

Under this scheme, in case an employee who is a member of the EPFO passes away during employment, benefits will be provided. Benefits of up to 30 times the salary of the employee up to a maximum of Rs.6 lakh will be provided.


Aims of EPFO Vision 2030

One of the aims of the EPFO is to become one of the best Social Security Organisations in the world by meeting the requirements of its stakeholders and by providing futuristic services. Given below are the aims of EPFO Vision 2030:

  • Universal Social Security Coverage in the form of Life Insurance, Pension, and Provident Fund is provided to all workers in India on a compulsory basis.
  • New policies that provide a benefit structure with social security support at a reasonable level must be initiated.
  •     All EPFO benefits must be easily accessible online with State-of-the-Art technology.


Objectives of EPFO

Given below are the main objectives of the EPFO:

  • To ensure every employee has only one EPF account.
  • Compliance must be facilitated easily.
  • Make sure organisations follow all the rules and regulations set up by the EPFO on a regular basis.
  • To ensure that online services are reliable and to make improvements in their facilities.
  • For all member accounts to be accessed online easily.
  • Claim settlements to be reduced from 20 days to 3 days.
  • Promotion and encouragement of voluntary compliance.


Functions of EPFO

The main functions of the EPFO are mentioned below:

  • Helping the Central Board of Trustees in operation of the Insurance Scheme, Pension Scheme, and Provident Fund Scheme for all the registered establishments in the country.
  • To ensure the Act is enforced in every state in India except for Jammu and Kashmir.
  • Individual accounts must be maintained by the EPFO.
  • Settlement of claims is handled by the EPFO.

Services Offered by EPFO

Some of the services offered by the EPFO are mentioned below:

1. Universal Account Number

A Universal Account Number (UAN) is given to every employee who is contributing towards EPF. Various Member IDs that have been allotted to employees from various organisations come under the UAN. Each employee will be allotted only one UAN throughout his/her employment life. The EPFO allots the distinctive 12-digit UAN to employees. A monthly SMS regarding the contribution of the EPF amount, transferring of EPF amount from the previous Member ID to the current one, checking and downloading EPF Passbook, withdrawal of EPF online, and updating KYC details online are some of the services that are provided by the UAN.

However, employees must activate their UAN in order to avail the services online. Once the UAN is activated, employees can use their UAN and password to login on the EPFO portal and avail these services.

2. Helpdesk for Inoperative Accounts

In February 2015, the EPFO set up the Inoperative Accounts Online Helpdesk to help employees track dormant and old inoperative accounts that do not accumulate any interest. Employees can track these accounts, and either withdraw the funds or transfer them to the current Member ID. Basic details must be provided by the employees about their previous employment to track inoperative accounts.

3. Online withdrawal of EPF

The EPF withdrawal amount can be easily done online with the help of the UAN. Employees who have been unemployed for more than 2 months are eligible to withdraw their EPF amount. However, the Aadhaar and bank details of the employee must be linked with the UAN.

4. International workers can generate a Certificate of Coverage

EPF members that are working in countries who have Social Security Agreements with India can generate a Certificate of Coverage (CoC) with the help of an online centralised software that the EPFO has launched.

5. Monthly returns for exempted establishments

With the help of the IT tool that the EPFO has launched, exempted establishments can file their monthly returns online without any trouble.

6. UMANG App

The EPFO has launched the Unified Mobile Application for New-age Governance (UMANG) for EPF members. Employees can use their UAN and password to avail the services of the UMANG app. Various services such as viewing of EPF passbook, updating profile details, etc. are available on the UMANG app.

7. Online transfer of EPF

EPF Transfer amount from the employee’s previous Member ID to the current one can be done online with the help of the UAN. The process is hassle-free, paperless, and simple.

8. Establishments can register online

The Online Registration of Establishments (OLRE) can be completed on the EPFO portal. Employees are also benefitting due to the online presence of the PF code allotment letter.

9. Online payments of PF

It is compulsory for all organisations to make the PF payments online. Currently, Kotak Mahindra Bank, Axis Bank, ICICI Bank, HDFC Bank, Bank of Baroda, Union Bank of India, Allahabad Bank, Indian Bank, Punjab National Bank (PNB), and State Bank of India (SBI) are the 10 banks that have agreements with the EPFO for the collection of dues.

10. Missed call and SMS service

Members who have activated their UAN can access their PF balance, previous contribution, the status of KYC, etc., by sending an SMS (Format: EPFOHO UAN) to 7738299899 or by giving a missed call to 011-22901406. Employers will also receive an SMS for non-payment of EPF.

11. Claim status and passbook

The EPFO members will be able to check the status of their claims as well as view and download their EPF passbook with the help of the UAN.

12. Grievances

In case of any issues regarding the settlement of pension, transfer of PF, withdrawal of PF, etc., members can raise a complaint online. Grievance redressals are a top priority for the EPFO, and they are dealt with swiftly. 80% of the complaints are solved within 7 days and 97% of them are solved within 15 days. Due to constant monitoring of the EPF grievances, complaints have come down from 20,000 to 2,000-3,000 in a day.


Pradhan Mantri Garib Kayan Yojana

FREQUENTLY ASKED QUESTIONS ON CENTRAL GOVT. RELIEF FOR EMPLOYEES’ AND EMPLOYERS’ CONTRIBUTION FOR THREE MONTHS TO LOW WAGE EARNING EPF MEMBERS EMPLOYED IN ESTABLISHMENTS WITH EMPLOYMENT STRENGTH UPTO ONE HUNDRED


Q1: What is the objective of this Scheme?
Ans: The Central Govt. announced Pradhan Mantri Garib Kayan Yojana Package to help the poor fight the COVID-19 pandemic. As part of this package, with the objective to prevent disruption in the employment of low wage earning employees and support businesses employing less than one hundred employees, the Central Govt. has decided to pay 24 percent of the monthly wages into their EPF accounts for three months.
To implement the package, the Ministry of Labour, Govt. of India has approved Scheme guidelines.


Q2: What are the effective months during which this Scheme is being implemented?
Ans: This Scheme will be valid for wage months- March, 2020, April, 2020 and May 2020.


Q3: Which are the establishments eligible for getting the benefit of contributions from Central Govt.?
Ans: For any establishment to be eligible for benefits,
(i) The establishment or factory should already be covered and registered under the Employees’ Provident Funds & Misc. Provisions Act, 1952.
(ii) The total number of employees employed in the establishment should be up to 100 (one hundred), with 90% or more of such employees should be drawing monthly wages less than Rs.15000/-.


Q4: Are all employees of eligible establishment eligible for the Central Govt. relief under this Scheme?
Ans: For an employee to be eligible for benefits,
(i) Employee should be employed in any eligible establishment earning monthly wages of less than Rs.15000/- and his UAN should be seeded with his/her Aadhaar.
(ii) Employee should be a member of EPF Scheme, 1952 & Employees’ Pension Scheme, 1995 whose contributions are received for any period during last six months (wage months: September 2019 to February 2020) in the ECR filed by any eligible establishment against his/her UAN.
Such contributions in ECR should have been received on monthly wage of less than Rs.15000/-.


Q 5: Whether an employee, earning less than Rs.15000/- employed in an eligible estt who is no longer a member of EPS, 1995 due his attaining age of 58 years but is a member of EPF Scheme, 1952 eligible for relief under this Scheme?
Ans: EPF members who are not EPS members due to completion of 58 years shall be eligible provided other conditions are fulfilled and the contribution from Central Govt. will be credited to his EPF account.


Q6: Can you illustrate the verification of eligibility of an EPF covered establishment for benefit under this Scheme?
Ans: If an establishment already covered under the EPF & MP Act, 1952 has remitted contributions in respect of fifty employees for the month of February, 2020, through ECR and on verification of ECR, it is found that for 46 employees (92% of 50 employees), the contributions are paid on wages less than Rs.15000/-, the establishment is eligible.
All the 46 employees earning wages less than Rs.15000/- are eligible for benefit.
If the above situation of total employees up to 100 and 90% or more of employees earning monthly wage of less than Rs.15000/- prevails in wage month of March, 2020, April, 2020 and May 2020, the establishment is eligible for benefit under this Scheme.


Q7. What is the quantum of Central Govt. relief under this Scheme?
Ans: The entire employee’s EPF contributions (12% of wages) and employer’s EPF & EPS contribution (12% of wages), totalling 24% of the monthly wages for the next three months shall be directly paid by the Central Govt. in the EPF accounts (UAN) of eligible employees in employed in eligible establishments.


Q8: Whether employee is defined for the purpose of this Scheme?
Ans: The definition of employee as contained in sec 2(f) of the EPF & MP Act, 1952 as well as other definitions in EPF & MP Act, 1952 are mutatis mutandis applicable to this Scheme.


Q9: Who will be considered as contributory member for determining eligibility?
Ans: Employee, employed in eligible establishment, should be a contributory member of EPF Scheme, 1952 & Employees’ Pension Scheme, 1995, whose contributions are received against his/her UAN for any period during last six months (wage months-September 2019 to February 2020) in the ECR filed by any eligible establishment.


Q10: How an eligible employee is benefitted by this Scheme?
Ans: The monthly employee’s EPF contributions @ 12% of monthly wage which is deducted from wage of the employee is now to be paid by the Central Govt. in the EPF account of the eligible employee. So there will be no deduction from wages of eligible employee so he/she will have a higher take home salary.
Since the employer is also supported for employer’s share by the Govt., it prevents loss of employment of low wage earners and ensures payment of wages to employees.


Q11: How an employer of eligible establishment is benefitted by this Scheme?
Ans: Employer of eligible establishment is not required to pay his share of EPF & EPS contributions @12% of monthly wage of eligible employees of his establishment and so employer saves this money. This is an incentive to employers of small business to retain all his employees and pay them wages.


Q12: Can you illustrate the monetary benefit to an Employee & Employer under this Scheme?
Ans: If an eligible employee draws a monthly wage of Rs.10000/-, Rs.1200/- which was to be paid into EPF by deduction from his monthly wage will now be paid by the Central Govt.
Further, in the above case, the employer is also not required to incur expenditure of Rs.1200/- from his finances as the Central Govt. pays the same.


Q13: So, Central Govt. will bear the entire liability under the EPF & MP Act, 1952 for eligible establishments?
Ans: The Central Govt. shall bear the entire liability towards the EPF & EPS contributions of the eligible employees in eligible establishment. The employer of eligible estts, shall continue to pay the EDLI contributions and EPF administrative charges for all employees as well as the EPF & EPS contributions for ineligible employees.


Q 14: Whether this scheme is applicable to employees in exempted establishment?
Ans: Yes, provided that the establishment meets the eligibility conditions as mentioned in Answer to Q3


Q 15: If the UAN is not seeded with Aadhaar, how the validation/seeding is possible in lockdown period?

Ans: Online e-KYC facility is available to member on EPFO Portal as well on UMANG mobile App to self-validate their UAN with Aadhaar without any intervention by Employer. This is in addition to Online Aadhaar validation in member’s UAN by employer.
Since the validation is Online, seeding of Aadhaar in UAN can be completed now also.


Q 16: Whether the EPFO will communicate with the employers of the establishments found eligible from ECRs of month prior to March 2020?
Ans: Yes, EPFO will send communication in employer’s login to all such establishments for payment of wages to employees and filing of ECR. However, the eligibility will be validated on filing of ECR by employers for the wage months- March, 2020, April 2020 and May, 2020 and also with reference to information furnished in Form 5A.


Q 17: How the benefits can be applied for and who has to apply, employer or employee?
Ans: The employer in relation to any eligible establishment, is required to disburse salary/wages for the month to all employees of the establishment, without deducting EPF contributions from wages of eligible employees and file Electronic Challan cum Return (ECR) for the month to claim benefit under this Scheme.


Q 18: Is the employer required to file separate ECR for the eligible employees?

Ans: Each eligible establishment has to file only one valid ECR for each of three months in respect of its total employees both eligible as well as ineligible employees.


Q 19: Is the employer required to file any other information other than ECR?
Ans: The Form 5A (Ownership return) should contain particulars of all branches and departments of the establishment and also code numbers, if any, taken for administrative convenience for the branches. The employer can update Form 5A online using his approved Digital Signature Certificate (DSC).


Q 20: Whether the contributions amount has to be initially paid by the establishment and thereafter reimbursed by Central Govt.?
Ans: Once ECR is uploaded by an employer of eligible establishment, the challan will separately show such amounts of employees’ and employers’ contributions as Central Govt. relief due under this Scheme in respect of eligible employees and the remaining amount payable by the employer.
After the employer remits the payment due from him as reflected in challan as noted above, the EPF & EPS contributions in respect of eligible employees will be credited directly in their respective UAN by the Central Govt.


Q 21: What is the responsibility of employer for availing the benefits?
Ans: The employer must ensure to file correct information, statement or declaration for total number of employees, disbursement of wages, amount of wages in the ECR and full details of establishment in Form 5A. The employer is required to file a certificate/declaration in the format prescribed under 6 (vii) of the Scheme at the time of ECR submission.
If it is discovered that the information furnished or declaration made electronically in ECR or Form 5A or otherwise are false/incorrect, then the employer will be liable to refund the relief and also face the penal consequences for such contravention under the EPF & MP Act, 1952.