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First Job? Your EPF Checklist for the First 3 Months

By Kusum · Reviewed by Harish, Labour Consultant, Delhi on · Updated

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Independent guide by India Customer Care. We are not EPFO. Use only the official EPFO portals and the UMANG app for your account, and never share your password or OTP with anyone.

On this page
  1. Checklist
  2. Good habits
  3. Frequently asked questions
  4. Sources

In your first job with PF: generate your UAN on UMANG, give it to HR, add your bank and PAN, nominate your family, and after your first or second salary check that PF was deposited. If you are eligible, you may also get the PMVBRY first-job benefit of up to ₹15,000.

Checklist

  1. Week 1: generate UAN on UMANG; give it to HR
  2. Week 2: add bank and PAN (KYC)
  3. Week 2: e-nomination
  4. Month 2: check the passbook for the first deposit
  5. PMVBRY benefit, if eligible
  1. Generate your UAN (already active when generated).
  2. Add KYC: bank account in your name and PAN.
  3. Nominate your family.
  4. Check the passbook after the 15th of the month after your first salary.
  5. Read how EPF, pension and insurance work.

Good habits

Frequently asked questions

Is PF compulsory for me?

Yes, if your PF wage (basic + DA) is up to ₹25,000 and your employer is covered. Above that it is optional.

Will PF reduce my take-home salary?

Yes, by 12% of your PF wage, but your employer adds another 12% and the money earns 8.25% (2025-26).

Sources