UAN Passbook Login: Check Your EPFO Passbook Statement

UAN Passbook (Quick Facts)

What is a UAN / EPFO Passbook?

The UAN passbook is the online record of a member's Employees' Provident Fund (EPF) account, maintained by the Employees' Provident Fund Organisation (EPFO) and linked to that member's Universal Account Number (members also search for it as an EPF passbook or EPFO passbook). The member passbook functions similarly to a bank passbook, but tracks EPF account contributions and interest rather than deposits and withdrawals.

The passbook confirms two things a member cannot verify any other way: whether the employer is depositing the correct employer EPF contribution amount on time, and whether interest is being credited correctly each year.

It shows:

• Employee contributions
• Employer contributions
• Pension contributions (EPS)
• Interest earned
• Total accumulated balance

Why You Should Check UAN Passbook Regularly?

Most employees ignore their PF account until a withdrawal, a transfer, or retirement forces the issue. Checking your member passbook regularly closes that gap and directly supports an EPF balance check at any point in the year.

• It tracks whether the retirement corpus is growing at the expected pace
• It confirms the employer is depositing contributions on time, every month
• It verifies that EPFO's annually declared interest has actually been credited
• It provides a clean record during a job change, confirming a PF transfer has gone through correctly
• It flags a missed or delayed contribution early while it can still be corrected with the employer

How to Download Your UAN Passbook Online?

The UAN passbook is accessed through the official EPFO portal, and takes only a few minutes once the UAN is active and linked to a registered mobile number. A new employee, or anyone whose UAN has not yet been activated, should complete UAN Activation first through the official EPFO portal using their registered mobile number and PF details.

1. Visit the EPFO Passbook Portal: Go to the official EPFO Member Passbook (passbook.epfindia.gov.in) login page
2. Log in with UAN credentials: Enter the UAN, password, and captcha code generated during UAN activation to complete the UAN passbook login (also called the EPFO passbook login)
3. Verify with Aadhaar OTP: Enter the One-Time Password (OTP) sent to your Aadhaar-registered mobile number to complete the mandatory second-factor authentication
4. Select the Member ID: Where more than one Member ID appears, linked to different past employers, select the one to view
5. Review contribution details: The passbook displays monthly employee and employer contributions and the accumulated corpus
6. Download EPF passbook statement: Save the passbook as a PDF for reference during a transfer or withdrawal claim

A newly activated UAN takes 6 hours before the passbook becomes viewable, so an immediate login attempt right after activation may show no data yet rather than an error.

Other Ways to Check Your EPFO Passbook Balance?

Logging into the full portal is not the only option. Two offline routes work directly from a registered mobile number, without a password.

1. Via PensionBazaar

   Enter the registered mobile number and PAN in the EPF balance check tool on the site and verify with an OTP to view the balance directly, without a separate UAN portal login. This tool retrieves the balance on PensionBazaar's behalf and, by proceeding, the member authorises PensionBazaar's associated partner to use the details provided for this purpose, consistent with the site's Privacy Policy.

2. Via SMS

   Send EPFOHO UAN to 7738299899 from the mobile number registered with the UAN. The reply arrives in English by default; adding a three-letter language code (HIN, TAM, TEL, MAR, BEN, PUN, GUJ, KAN or MAL) returns the balance in that language instead. This works only where the UAN is seeded with Aadhaar, PAN and bank account details.

3. Via Missed Call

   Give a missed call to 9966044425 from the UAN-registered mobile number. The call disconnects automatically after one or two rings at no cost and EPFO replies by SMS with the current balance and the most recent contribution. This service also requires a fully KYC-seeded UAN to function.

What's Inside the UAN Passbook?

Each entry in the UAN passbook corresponds to a specific part of the contribution structure. A member who sees an unexpected gap should first check why a PF balance may not be showing before assuming a deposit failure.

• Employee Contribution: 12% of basic salary plus dearness allowance, deducted from salary each month
• Employer Contribution: 12% of salary, split between 8.33% to the Employees' Pension Scheme (EPS) and 3.67% to the EPF account
• Pension Contribution (EPS): Shown separately; this component does not display annual interest credits in the passbook columns, as its growth is managed internally by the EPFO fund
• Interest Credit: Declared annually and reflected in the passbook after the financial year closes and processing is complete. For FY 2025-26, EPFO has set the interest rate at 8.25%, matching the rate for the previous year
• Running Balance: The cumulative total of contributions and interest credited to date

Who Can't Access the UAN Passbook?

Online UAN passbook access is not available to every EPF member. Three categories are excluded by design, not by error:

• Exempted establishment members: Employees whose employer runs its own EPF trust rather than routing contributions through EPFO directly. The passbook must be requested from the employer's trust administrator instead
• Settled members: Members who have already withdrawn their full EPF balance, closing the account
• Inoperative members: Accounts left without contribution or claim activity for an extended period after leaving service. A member in this position should look into how to reactivate an inoperative EPF account before expecting passbook access to resume

A member seeing the message "Passbook not available to this Member-ID as this pertains to an exempted establishment" falls into the first category above and should approach their employer's HR or trust desk directly.

Common UAN Passbook Problems and How to Fix?

Most EPFO passbook complaints trace back to one of three causes, each with a specific fix.

1. UAN Passbook Password Reset

   A forgotten UAN password is reset through the "Forgot Password" option on the EPFO Member e-Sewa portal, using the registered mobile number for OTP verification. Members facing a locked account or repeated login failure can review the full EPF login issue troubleshooting steps. Note that following a reset, it can take up to 6 hours for the new credentials to sync across the backend to the distinct passbook viewing portal.

2. Entries Missing

   A missing monthly entry is usually a timing gap rather than a lost deposit: the employer files the Electronic Challan-cum-Return (ECR) on its own monthly cycle, and the entry only appears in the passbook once that filing is processed. A mismatch between Aadhaar-linked KYC details and UAN-registered details is the other common cause. Where interest specifically has not appeared, see why EPF interest is not credited on schedule.

3. Multiple Member IDs

   Every new employer generates a fresh Member ID under the same UAN, so a member with several past jobs will see several Member IDs listed after login. These do not merge automatically; a PF transfer request consolidates the balances from a previous Member ID into the current one. If you see multiple member ID UAN records in your passbook, it generally means separate Member IDs were created under the same UAN for different employers.

Track Your EPF Account Through the UAN Passbook

The UAN passbook is the only record that confirms a Provident Fund account is being funded correctly and growing as expected. Checking it periodically, through the portal, SMS, or a missed call, catches a missed contribution or a credentials issue early, well before it becomes a problem at withdrawal or transfer.