How to Check Employer and Employee Contributions in EPFO Passbook

The Employees’ Provident Fund (EPF) is one of the most important savings mechanisms for salaried individuals in India, helping them build financial security for retirement. Both employers and employees contribute a fixed percentage of the employee’s salary every month to this fund. Monitoring these deposits regularly is essential to ensure accuracy and transparency. The EPFO passbook provides a convenient digital record of these contributions. Understanding how to read and verify your passbook details, as well as how to raise an EPF grievance if discrepancies arise, is crucial for effective financial management.

Understanding the EPFO passbook

The EPFO passbook is an online document that reflects all deposits made into your EPF account by both you and your employer. It includes monthly contributions, interest earned, and the total balance accumulated over time. The passbook is updated by the Employees’ Provident Fund Organisation (EPFO) based on the information submitted by your employer.

Each entry in the passbook represents a specific month’s contribution, and separate columns show the employee’s share, employer’s share, and the pension fund allocation. Keeping track of these details ensures that your funds are being correctly credited.

How to access your EPFO passbook

You can check your EPFO passbook online by following a few simple steps:

Visit the EPFO Member Passbook portal at passbook.epfindia.gov.in.

Select the Member ID associated with your current or previous employer.

View and download the passbook in PDF format.

This service is available only to members whose UAN has been activated and whose KYC details—such as Aadhaar, PAN, and bank account—are verified.

Details available in the EPFO passbook

The passbook provides comprehensive details of all transactions in your EPF account, including:

By reviewing your EPFO passbook periodically, you can ensure that both your contributions and those made by your employer are being correctly deposited.

Importance of verifying employer contributions

Employers are legally required to deposit both their own and employees’ contributions to the EPFO on time. However, delays or errors may occasionally occur. Checking your EPFO passbook regularly helps identify missed or late deposits quickly.

If you find any discrepancies, such as missing entries or incorrect amounts, you can raise an EPF grievance online to have the issue resolved. Early detection and prompt action prevent long-term complications and ensure that your retirement corpus continues to grow as intended.

How to raise an EPF grievance

The EPFO provides a dedicated online portal for employees to lodge complaints and track resolutions. To raise an EPF grievance, follow these steps:

Visit the EPFiGMS portal at epfigms.gov.in. Select “Register Grievance” and provide your UAN, personal details, and the nature of the issue. Choose your PF office and employer from the list. Upload relevant documents or screenshots if necessary. Submit the grievance and note the registration number for future tracking. You will receive status updates via email or SMS. Most grievances are resolved within 30 days.

Common issues resolved through the grievance portal

Employees can use the EPF grievance portal to address a variety of problems, including:

Missing or delayed employer contributions.

Errors in employee details such as name, date of birth, or Aadhaar linkage.

Non-transfer of PF balance from a previous employer.

Delayed withdrawal settlements.

Incorrect interest calculations.

Regularly monitoring

your EPFO passbook and using the grievance portal ensures transparency and

proper fund management throughout your career.

Benefits of maintaining an active UAN account

Your Universal Account Number (UAN) serves as a unique identifier for all your EPF accounts. Keeping your UAN active and KYC-verified allows you to access your EPFO passbook anytime, transfer balances when you change jobs, and file online withdrawal requests without employer intervention. It also ensures that all your contributions—past and present—are consolidated under one account, simplifying record-keeping and improving visibility over your total retirement savings.

Why monitoring your EPF is crucial

Monitoring your EPF balance regularly helps you stay informed about the growth of your savings. The interest credited annually by the EPFO significantly enhances your retirement corpus. Timely checking of your EPFO passbook ensures that interest is being correctly applied and that all contributions are reflected accurately.

If discrepancies are left unaddressed, they may delay withdrawals or affect the total amount payable upon retirement. Taking immediate action through the EPF grievance mechanism safeguards your financial interests.

Combining EPF with other secure investments

While EPF forms the backbone of retirement savings, diversifying into other safe investment options can help you achieve financial flexibility and liquidity. Fixed Deposits (FDs) are an excellent complement to EPF due to their guaranteed returns, fixed tenure, and complete capital safety.

Bajaj Finance offers digital FDs with interest rates of up to around 7.30% per annum and the highest safety ratings—CRISIL AAA/STABLE and ICRA AAA/STABLE. You can open an FD online in minutes, choose from cumulative or non-cumulative options, and even set automatic renewals for continuous growth. Using a portion of your annual savings to invest in such instruments provides additional stability alongside your EPF account.

Final thoughts

The EPFO passbook is an essential tool for monitoring your retirement savings and ensuring transparency in both employer and employee contributions. Regularly checking it helps identify discrepancies early, while the EPF grievance system provides an efficient channel for resolution. Combining your EPF savings with secure investments such as Bajaj Finance Fixed Deposits allows you to diversify your portfolio and enjoy both long-term growth and liquidity. Together, these practices strengthen your financial foundation and ensure a secure future.