EPF Frequently Asked Questions (2026)
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On this page
Quick answers to the questions people ask most. Each links to a full guide in the list on this page.
Frequently asked questions
How do I get a UAN?
Generate it yourself on the UMANG app with Aadhaar face authentication. It is activated at the same time.
How do I check my PF balance?
Give a missed call to 9966044425 from your UAN-registered mobile, SMS EPFOHO UAN ENG to 7738299899, or use UMANG or the e-passbook.
How much PF can I withdraw while working?
After 12 months of membership, up to 75% of your EPF balance for any of three categories. 25% must stay.
Can I withdraw all my PF after resigning?
Up to 75% straight away; the rest after 12 months without a job.
Is PF withdrawal taxable?
Generally not after 5 years of continuous service. Before that, TDS applies if the amount is ₹50,000 or more, unless you qualify to file Form 121 (tax on your income must be nil, and under 60 there is a further limit).
Do I need a new UAN for a new job?
No. Keep the same UAN and transfer your old balance.
How long does a PF claim take?
EPFO must settle within 20 days; most claims now settle within a few days.
When do I get a pension?
With 10 years of pension service, from 58 (reduced from 50).
What is the EPF interest rate?
8.25% for 2025-26.
Where do I complain?
On EPFiGMS (epfigms.gov.in) or the helpline 1800-118-005.
Full guides
- Generate UAN · Check balance · Withdrawal rules
- Tax on withdrawal · Transfer PF · Claim status
- Pension · Interest rate · Complaints
Sources
- EPFO: FAQs, accessed 5 Nov 2026.
- EPFO: Wage ceiling FAQs.
- PIB, 13 Oct 2025 (withdrawal rules).