Overview & Benefits

The Employees’ Provident Fund Organisation (EPFO) manages the retirement savings of formal sector employees. Contributions are made jointly by the employer and employee (12% of basic salary). EPFO provides Provident Fund, Pension Scheme (EPS), and Life Insurance (EDLI) benefits.

Eligibility Criteria

Mandatory for salaried employees in covered establishments with a basic salary up to Rs. 15,000. Voluntary for those earning above this limit.

Required Documents

  • UAN (Universal Account Number)

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  • Aadhaar Card (must be linked with UAN)

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  • Active Bank Account (seeded with UAN)

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  • PAN Card (for withdrawals)

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Application Process

Employers generate the UAN for new employees. Employees must activate their UAN on the EPFO Member e-Sewa portal, link Aadhaar/Bank details, and can then file online claims for advance or final settlement.