EPF Passbook: Download It and Read Every Column
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Sign in at passbook.epfindia.gov.in with your UAN and password (or use UMANG), choose your member ID and download the passbook for any year. Each month shows your share, the employer's EPF share and the pension (EPS) share. Interest is added once a year.
Download your passbook
- Open passbook.epfindia.gov.in
- Sign in with UAN, password and captcha
- Choose the member ID (one per employer)
- View or download the passbook by year
You need an activated UAN. Don't have a password? Set one on the member portal with Forgot Password, or use the passbook in UMANG with an OTP.
How to read each line
Here is an illustration for one month at a PF wage of ₹20,000 (from October 2026, after the ₹25,000 ceiling). Your own figures depend on your wage.
| Column | Example | What it is |
|---|---|---|
| Wage month | 102026 | The salary month the deposit is for (October 2026), not the date it was paid |
| Employee share | ₹2,400 | 12% of your PF wage, cut from your salary |
| Employer share | ₹734 | The part of the employer's 12% that goes to your EPF (3.67%) |
| Pension contribution | ₹1,666 | 8.33% to the Employees' Pension Scheme. Builds your pension; not part of the withdrawable balance |
| Interest | once a year | Shown as a separate line after the year ends |
| Transfer in / out | as it happens | Money moved from or to another member ID |
| Withdrawal | as it happens | Advances or settlements paid to you |
The employee and employer columns together are your EPF balance. The pension column is kept separately for your pension.
Your PF wage is above ₹25,000, so the pension contribution is capped at ₹2,083 a month and the rest of the employer's 12% goes to your EPF. If you joined a job with PF wages above the ceiling, you may not be an EPS member at all, and the whole employer share goes to EPF.
How interest works
- Interest is worked out on your monthly running balance and credited once a year, for April to March.
- The rate for 2025-26 is 8.25%. EPFO publishes the full list of rates since 1952.
- If interest for a past year is missing, check the year again later: credits are posted to all accounts over some weeks.
Passbook problems
- Latest months missing: see passbook not updated.
- Salary deducted, nothing deposited: see PF not deposited.
- Old employer's balance in a separate member ID: transfer it so your service counts together.
Frequently asked questions
Why can't I see my passbook?
The passbook needs an activated UAN and is not available for members whose employer runs an exempted PF trust. It can also be unavailable for a short time after you register a new UAN.
Why does the pension column not add to my balance?
The pension (EPS) contribution builds your pension, not your withdrawable PF. It is shown so you can see it was paid.
When is interest credited?
Once a year, for the financial year April to March, after the rate is approved. It is calculated on the monthly running balance.
Sources
- EPFO: member passbook site, accessed 5 Nov 2026.
- EPFO: Wage ceiling FAQs (example: ₹2,400, ₹1,666 and ₹734 at ₹20,000; 8.25% compounded on monthly running balance).
- EPFO: interest rates on PF since 1952.