How to Download EPF Passbook

Planning your retirement is not just about setting aside money; it is about ensuring long-term stability and peace of mind. In India, the Employees’ Provident Fund (EPF) plays a crucial role in this process by safeguarding employees’ savings and providing financial security in retirement. Since the scheme involves monthly contributions and accrued interest, members require clear and transparent details of the funds.

The Employees’ Provident Fund Organisation (EPFO) makes this easier by providing members with a digital EPF passbook, which allows them to track deposits, withdrawals, and interest earned over time. In this blog, we will guide you through how to download EPF passbook online quickly and conveniently.

What is an EPF passbook?

An EPF passbook is a digital document provided by the Employees’ Provident Fund Organisation (EPFO) that records all transactions in your EPF account. It includes monthly contributions made by both the employer and employee, the interest earned, and any withdrawals or transfers. Essentially, it works like a statement, offering transparency and a clear snapshot of your retirement savings.

To access the passbook, employees need their Universal Account Number (UAN), allotted by EPFO. If you've worked with multiple employers, you will have separate passbooks for each account, linked through your UAN. The passbook helps verify timely employer contributions and acts as a helpful tool for long-term financial planning.

Benefits of an EPF e-passbook

An EPF e-passbook provides employees with a clear record of all monthly contributions, interest earned, withdrawals, and transfers, allowing them to track every transaction in one place.
It comes in handy while planning finances, whether you need to check funds for a withdrawal or transfer your account when switching jobs.
The passbook also helps you keep an eye on the growth of your retirement savings. You can even use it to check claim status and ensure that your employer is depositing contributions correctly.
Another advantage is early error detection. If there’s any mistake in contributions or interest calculations, the e-passbook makes it visible so you can request corrections on time.
Since the passbook is updated regularly—often within a few hours of any transaction—you always have the latest account details.
It can be accessed online at any time through the EPFO portal or the UMANG app, eliminating the need to visit an office in person.

Services available on the EPF passbook member portal

View your EPF personal profile and KYC information.
Access and download your EPF passbook by selecting Member IDs linked to your UAN.
Check a summary of your EPF passbook details in one place.
Track your EPF claim status online.
Review your complete service history.
Use the EPF, Employer Pension Scheme (EPS), and Employees' Deposit Linked Insurance Scheme (EDLI) calculators for benefit estimation.

Eligibility for accessing the EPF employee passbook

Eligible Members	Non-Eligible Members
Must be an active member of the EPF scheme.	Inoperative members: Those whose EPF accounts have become inactive due to an extended period of non-contribution.
The Universal Account Number (UAN) must be activated and registered on the EPFO portal.	Settled members: Individuals who have fully withdrawn their EPF balance after retirement or when leaving their job.
	Exempted establishment members: Employees working for organisations that maintain their own EPF trusts.

How to download EPF passbook online

EPF portal
- Visit the official EPFO website
- Under the 'Services' section, click on 'For Employees'
- Select the 'Member Passbook' option under the ‘Services’ tab
- Log in to the EPF passbook using your UAN and password
- From the dashboard, choose your EPF account under 'Select Member ID'
- Click on 'View Passbook'
- Your EPF member passbook will open in a new tab in PDF format
- Click on 'Download Passbook' to save it on your device
UMANG app
- Install the UMANG app on your mobile phone from the Google Play Store or App Store
- Go to the 'All Services' tab and select 'EPFO'
- Under 'Employee Centric Services', tap on 'View Passbook'
- Enter your UAN to receive an OTP on your registered mobile number
- Enter the OTP on the UMANG portal to log in
- You will see a list of Member IDs linked to your UAN
- Select the desired Member ID to download or view EPF passbook

Components of the EPF passbook

UAN (Universal Account Number): A 12-digit number allotted to every EPF member by the EPFO. It links all member IDs under one account and is mandatory for transactions such as viewing the passbook, making withdrawals, or transferring funds.
EPF account number: A unique alphanumeric number representing the State, Regional Office, Establishment Code, and Member Code.
Primary details: Basic information such as establishment ID, employer’s name and address, employee’s name, date of birth, and date of joining the establishment.
Opening balance: The total balance at the start of the financial year, including contributions and accumulated interest.
Monthly contributions: Displays both employee and employer contributions. The Employer Pension Scheme (EPS) share is shown separately.
Interest earned: Interest is calculated on monthly balances of both employee and employer contributions and credited at the end of the financial year. The applicable interest rate is also indicated.
Withdrawals: Any partial or complete withdrawals made from the EPF account will be reflected here.
Closing balance: The final balance at the end of the financial year, including contributions and interest, which is carried forward to the following year.
Voluntary Provident Fund (VPF): Any contribution made beyond the standard 12% of basic salary is shown separately under VPF.

Also Read: EPF Balance Check with and without UAN Number

The EPF passbook serves as a reliable source of information for employees to monitor their contributions, interest accruals, and withdrawals. It ensures complete transparency in tracking retirement savings and helps members detect discrepancies at the right time. With the simple options available for EPF passbook download through the EPFO portal and the UMANG app, employees can conveniently access their records at any time. This makes it easier to plan finances, confirm employer compliance, and maintain control over long-term savings.

Frequently asked questions

How to download the EPF passbook online?

The EPFO passbook is not available as a physical document. You can download the passbook after completing your EPF passbook login on the EPFO portal or UMANG app.
How soon are updates reflected in the EPF employee passbook online?

Any changes or updated details made on the EPFO portal will be visible in the EPF employee passbook after around 6 hours.
How to change EPF passbook password?

Go to the EPFO/UAN Member e-Sewa portal → Click 'Forgot Password' → Enter Universal Account Number (UAN) → Enter your name, date of birth, and gender → Enter the captcha code and your Aadhaar number → Verify details with OTP sent on your registered mobile number → Create a new password to regain access.
How can I verify employment details across multiple establishments using my EPF employee passbook?

You can check employment details across multiple establishments by visiting the EPFO website, selecting ‘e-Passbook’, and logging in with your UAN, password, and captcha. After logging in, click on ‘Service History’ to view all establishments linked to your UAN.
Who is not eligible to access the EPF passbook facility?

The EPF passbook facility is not accessible to exempted establishment members, settled members, and inoperative members.