The Employees’ Provident Fund Organisation (EPFO) has introduced new reforms under the banner EPFO 3.0, changing how salaried employees access, manage, and withdraw their Provident Fund.
With digitalization and transparency as the core focus, the EPFO Passbook has become a crucial part of every employee’s financial toolkit.
In this guide, we’ll explain what the EPFO passbook is, how to check it online, and how the new EPF rules 2025 impact your balance, withdrawals, and pension benefits.
What Is the EPFO Passbook?
The EPFO Passbook is an online record of all Provident Fund (PF) contributions made by both the employee and the employer every month. It acts like a mini bank statement — showing deposits, interest earned, withdrawals, and the total balance.
Key Details Shown in EPFO Passbook
| Field | Description |
|---|---|
| Member Name | Name of the PF account holder |
| UAN | Universal Account Number (unique for every member) |
| Employer Contribution | Monthly deposit made by employer |
| Employee Contribution | Monthly deposit made by employee |
| Pension Contribution (EPS) | Portion of employer share that goes to pension |
| Interest Earned | Interest credited annually on your PF balance |
| Total Balance | Combined total of employee + employer contributions + interest |
💡 Note: The EPFO passbook is updated once the ECR (Electronic Challan cum Return) is filed and payment is confirmed by your employer.
How to Check EPFO Passbook Online
You can check your PF passbook balance online in minutes using the EPFO Member Portal or the UMANG App.
Step-by-Step Guide to View EPFO Passbook Online
- Visit the official website: https://passbook.epfindia.gov.in
- Enter your UAN and password to log in.
- Choose your Member ID / Establishment Name.
- Click ‘View Passbook’.
- Your detailed monthly contribution and interest summary will appear.
You can also download the EPFO passbook PDF for future reference.
Alternative: Check via UMANG App
- Download the UMANG app (available on Android/iOS).
- Search for EPFO → Select Employee Centric Services → Tap on View Passbook.
- Log in using OTP linked to your UAN.
- View your balance instantly.
🔎 Tip: The UMANG App also provides a quick way to track your EPFO claim status. Under “Employee Centric Services,” select Track Claim to view the current status of your PF withdrawal or transfer claim directly on your phone.
EPFO New Rules 2025 – Major Updates You Must Know
According to the latest EPFO 3.0 update (2025), major changes have been made in withdrawal limits, pension benefits, and digital claim processing. These reforms make the system simpler, faster, and paperless.
1. New Withdrawal Rules (2025)
- The PF withdrawal limit has been restructured into three categories:
- Housing (home purchase/construction)
- Essential Needs (medical, education, emergency)
- Special Circumstances (job loss, disability, etc.)
- Members can now withdraw up to 75% of their PF balance in specific situations like job loss or medical emergencies.
- For retirement or full settlement, 100% withdrawal is permitted after two months of unemployment.
2. EPF Pension (EPS) Updates
- EPS contribution and withdrawal process are now integrated digitally.
- Pension eligibility verification and updates can be done online through UAN Member e-Sewa.
- EPS benefits are now auto-calculated with the updated formula for transparency.
3. EPFO Digital Access Upgrade (EPFO 3.0)
- Claims are now fully paperless — no physical forms needed.
- Instant claim tracking and OTP verification system introduced.
- Turnaround Time (TAT) for withdrawals reduced to 5–7 working days.
💡 Pro Tip: Keep your KYC updated (Aadhaar, PAN, Bank details) to ensure quick claim processing and interest credit.
Comparison: Old PF Rules vs New EPF Rules 2025
| Category | Old PF Rules | New EPF Rules 2025 |
|---|---|---|
| Withdrawal Process | Partially online, required employer signature | Fully digital, paperless submission |
| Claim Approval Time | 10–20 working days | 5–7 working days |
| PF Withdrawal Limit | 50–75% in limited cases | Categorized based on purpose (up to 100%) |
| Job Loss Withdrawal | Not clearly defined | Up to 75% allowed under “Special Circumstances” |
| EPS Pension Updates | Manual verification | Online EPS tracking & integration |
| Transparency | Limited | Real-time balance and claim tracking |
EPFO Passbook After New Rules – What’s Changed?
The passbook layout now reflects:
- Separate entries for Housing / Essential / Special withdrawals
- Clearer interest calculations
- Direct integration with UAN-linked pension accounts
This makes it easier to understand how much of your PF is eligible for withdrawal or pension benefits.
EPF Interest Rate 2025
The government has maintained the EPF interest rate at 8.25% (FY 2024–25), credited annually to all active PF accounts.
Interest is compounded monthly and shown in your EPFO passbook after the financial year-end.
Pros & Cons of EPFO 3.0 (New Rules)
| Pros | Cons |
|---|---|
| Faster online claim process | Requires Aadhaar–UAN linking |
| Transparent withdrawal categories | Some features still in testing phase |
| Real-time passbook updates | Delays if KYC not approved |
| Easier EPS tracking | Users need digital literacy |
Common FAQs About EPFO Passbook and New Rules
Q1. How often is my EPFO passbook updated?
Once the employer submits the monthly PF contribution (ECR), your passbook updates automatically within a few days.
Q2. Can I view multiple PF accounts in one passbook?
Yes. All PF accounts linked to the same UAN appear under one unified passbook.
Q3. How do new withdrawal limits affect my savings?
The new categories ensure emergency withdrawals are easier while long-term savings remain protected.
Q4. Is the EPF claim completely online now?
Yes. Under EPFO 3.0, claims, withdrawals, and pension applications are processed digitally.