pensions central government
EPFO — Employee Provident Fund
Retirement savings scheme for salaried employees managed by the Employees' Provident Fund Organisation.
Department:EPFOMinistry:Ministry of Labour & EmploymentProcessing:UAN activation within 24 hours; withdrawal claims settled in 3-20 daysHelpline:14470
Eligibility
- Employees of establishments with 20+ workers
- Voluntary coverage for smaller establishments
- Salary threshold: mandatory up to ₹15,000 basic; higher earners can opt-in
Required documents
- Aadhaar (UAN linkage)
- PAN
- Bank account with IFSC
- Cancelled cheque
- Employer-issued Form 11 (declaration)
Fees
| Item | Amount | Note |
|---|---|---|
| Employee contribution | Free | 12% of basic salary — deducted, not a fee |
| Employer contribution | Free | 12% of basic salary (8.33% goes to EPS) |
How to apply online
- 1
- 2Complete KYCLink Aadhaar, PAN and bank
- 3File claimForm 19 (final settlement), 10C (EPS), 31 (partial advance)
- 4e-Sign via Aadhaar OTP
- 5Money credited to bankDirectly to Aadhaar-linked account
Frequently asked
When can I withdraw EPF?
Full withdrawal at retirement (58+) or after 2 months of unemployment. Partial advances allowed for medical, housing, marriage, education.
What is the current interest rate?
Announced annually — check epfindia.gov.in for the latest FY rate.
Verified from official sources.
Rules and fees may change. Always cross-check on the official portal before applying. Last verified: 4 Aug 2026.