EPF Passbook — How to Download & Read EPFO Passbook Online

Updated: 3 June 2026 | EPFO | UAN Passbook Portal

To download your EPF passbook: Visit passbook.epfindia.gov.in, log in with your UAN and password, select your Member ID, and click Download PDF. Alternatively, open the UMANG app → EPFO → Employee Centric Services → View Passbook. The passbook shows your employee contribution (12% of basic), employer EPF contribution (3.67%), and interest credited at 8.15% per annum for FY 2023-24.

8.15%

EPF interest rate for FY 2023-24 — announced by EPFO and credited at year-end.
Interest is credited to your EPF account after the financial year ends and is reflected in the passbook once the EPFO central office processes it (typically July–September).

How to Download EPF Passbook Online (EPFO Portal)

The EPFO maintains a dedicated passbook portal separate from the Unified Member Portal. Your UAN must be activated and KYC approved before passbook access is available.

Go to passbook.epfindia.gov.in
Open the EPFO Passbook Portal at passbook.epfindia.gov.in. This is separate from the main EPFO portal (epfindia.gov.in). Do not log in at the main site for passbook downloads.
Log in with UAN and password
Enter your 12-digit UAN (Universal Account Number) and your Unified Member Portal password. Enter the captcha and click Login. If you have forgotten your password, reset it at the Unified Portal (unifiedportal-mem.epfindia.gov.in).
Select your Member ID
If you have worked with multiple employers, each employer has a separate Member ID under the same UAN. Select the Member ID for the establishment whose passbook you want to view. Former employer accounts will also be listed here.
View passbook and click Download PDF
The passbook page displays all contribution rows, opening balance, monthly credits, employer credits, and interest. Use the Download PDF button at the top-right to save the passbook as a PDF file.

Download EPF Passbook via UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app provides mobile access to EPFO services including the passbook without a separate login each time.

Download UMANG app
Install UMANG from the Google Play Store or Apple App Store. Register with your mobile number. UMANG is an official Government of India app and is free.
Open EPFO section
Search for “EPFO” in the UMANG app search bar, or navigate to All Services → Finance → EPFO. Tap on Employee Centric Services.
Select Member Passbook
Tap Member Passbook from the list. Enter your UAN when prompted. An OTP is sent to your Aadhaar-linked mobile for authentication.
View and download
After OTP verification, your passbook loads for each Member ID. You can view balance, contribution history, and share or save the PDF directly from the app.

EPF Passbook Columns Explained

Each row in the EPFO passbook represents one month’s contribution transaction. Here is what each column means:

Column	What it means	Who contributes
TRN	Transaction Reference Number — unique ID for each contribution row. Useful when raising grievances.	—
Wage Month	The salary month for which the contribution was made (note: deposited the following month as per law).	—
Employee Share (EPF)	12% of your basic + DA. Entire amount goes into the EPF account.	Employee
Employer Share (EPF)	3.67% of basic + DA (out of employer’s total 12%). This portion goes into EPF.	Employer
Pension Contribution (EPS)	8.33% of basic + DA (up to ₹15,000 wage ceiling). Goes to Employees’ Pension Scheme — NOT part of EPF balance. Funds your monthly pension at retirement.	Employer
Closing Balance	Cumulative EPF balance (employee + employer EPF share + interest). Does not include EPS amount.	—

EPS vs EPF: Your EPF passbook balance shows only the EPF component. The employer’s 8.33% EPS contribution is not added to your EPF balance — it funds a separate pension account. At retirement (after 10 years of qualifying service), you receive a monthly EPS pension. If you withdraw before 10 years, you can claim the EPS amount as a lump sum via Form 10C.

EPF Interest Rate — How It Is Calculated

EPFO announces the EPF interest rate every year after the Board of Trustees meeting, usually in February–March. The rate for FY 2023-24 is 8.15% per annum.

Interest is calculated on the monthly running balance — i.e., the balance at the start of each month, multiplied by the monthly rate (annual rate ÷ 12).
Interest is not credited monthly. It accumulates throughout the year and is credited at financial year end (typically July–September after EPFO processes it).
EPF interest is tax-free up to contributions of ₹2.5 lakh per year. Contributions above ₹2.5 lakh (or ₹5 lakh for government employees where employer does not contribute) attract income tax on the interest earned on the excess portion.
Interest stops accruing on dormant accounts (no contributions for 36 months) except for members who have retired or reached the age of 58.

EPF Passbook Not Updating — What to Do

This is one of the most common EPFO issues, especially after a job change, employer transfer, or pending KYC verification. Here is the resolution path:

After job change: Wait 6–8 weeks. Your new employer must file the ECR (Electronic Challan cum Return) and your KYC must be verified in the Unified Portal before contributions appear.
KYC pending: Log in at unifiedportal-mem.epfindia.gov.in → Manage → KYC. Check if Aadhaar, PAN, and bank are verified (status: “Digitally Approved by Employer”). Pending KYC blocks passbook access.
After 8 weeks: Raise a grievance at epfigms.gov.in under “Passbook Not Updated” with your UAN, Member ID, and employer details.
Transfer pending: If you have requested a PF transfer, contributions from the old account may not appear until the transfer is complete.

Frequently Asked Questions

Why is my EPF passbook not updating after changing jobs?

EPF passbook entries are updated after your new employer files the ECR (Electronic Challan cum Return) and your KYC (Aadhaar, PAN, bank) is verified on the Unified Portal. After a job change or inter-establishment transfer, it typically takes 6–8 weeks for the passbook to reflect contributions. If it has not updated after 8 weeks, raise a grievance at epfigms.gov.in under the category "Passbook Not Updating" with your UAN and employer details.

How do I activate my UAN to view the EPF passbook?

Visit the Unified Member Portal at unifiedportal-mem.epfindia.gov.in. Click "Activate UAN" on the homepage. Enter your UAN (provided by employer), Aadhaar-linked mobile number or registered mobile, and date of birth. An OTP will be sent to your mobile. Enter the OTP to activate. Once activated, set a password to log in and access your passbook.

I forgot my EPF UAN password — how do I reset it?

On the Unified Member Portal login page, click "Forgot Password". Enter your UAN and the captcha. An OTP is sent to your Aadhaar-linked mobile number or registered mobile. Enter the OTP, then set a new password. If your mobile number has changed, you must update it through your current employer or by visiting the regional EPFO office with Aadhaar for biometric update.

How do I read the EPF passbook — what do the columns mean?

Each row in the passbook represents a transaction. Key columns: TRN (transaction reference number), Wage Month (the month for which contribution was made), Emp Share (your 12% contribution to EPF), Employer Share (3.67% of your basic to EPF), Pension Contribution (8.33% of basic going to EPS — not in EPF passbook but shown for reference), and Closing Balance (cumulative EPF balance including interest). The EPS account is separate and not part of the EPF balance — it funds your monthly pension at retirement.

Can I download the EPF passbook as a PDF?

Yes. After logging into the Unified Member Portal at passbook.epfindia.gov.in with your UAN and password, select your Member ID. The passbook page has a "Download PDF" or print option. You can also use the UMANG app → EPFO → View Passbook and download it from there. The PDF is accepted as proof of EPF balance for loan applications and housing society requirements.

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