How much is in your PF?
See your balance and every month your employer paid in, and what it grows to by the day you retire.
If you keep paying in
When can you take money out?
Pick what's happening. You get the rule that applies, worked out on the balance above.
These are the rules of the Employees' Provident Funds Scheme, 2026, in force from 1 July 2026. 25% of your PF always stays in until you leave work. Claims for an advance up to ₹5 lakh are settled automatically, usually in 3 working days.
Changed jobs? Bring your PF with you.
One UAN keeps every job you've had. Move the old account into the new one, and your years count together for your pension.
- 1Check your serviceEvery employer under your UAN, and what each one holds.
- 2Transfer to your current employerConfirm with an OTP. Most transfers don't need your employer to approve them.
- 3It arrives in your current accountTrack it like any other claim. Interest carries on.
Cashing out the old account instead resets your pension years to zero.
UAN1012 3456 7890
Your service
- Sample Textiles Pvt LtdLeft MHBAN00123450000012345 Jun 2019 to Mar 2024
- Sample Logistics LtdCurrent KNBNG00456780000067890 Apr 2024 to now
- Total under this UAN
- Pension service, counted together
Your old account sits apart until you move it. Move it to keep everything in one place.
Moving
- From
- Sample Textiles Pvt Ltd
- To
- Sample Logistics Ltd
- Approval
- Not needed
OTP sent to +91 ••••• 43210
Filled in for this sample.
Transfer submitted
- Submitted today
- With your old PF office
- In your current account
What will you retire with?
An estimate from your pay today. Change either number and the result updates.
- You put in
- Your employer puts in
- Interest
| Year | Paid in so far | Interest | Balance |
|---|
Three accounts in one
Every month, money from you and your employer goes into three accounts.
| Account | Who pays in | What you get | When | |
|---|---|---|---|---|
| EPFEmployees' Provident Fund | You, 12% of basic pay and DA. Your employer, 3.67%. | Your savings with interest, 8.25% a year for 2025-26. | All of it when you retire. Parts of it before, see above. | |
| EPSEmployees' Pension Scheme | Your employer, 8.33% of pay up to ₹25,000. Nothing from you. | A monthly pension of at least ₹1,000. | From 58, after 10 years of membership. From 50 at 4% less for each year before 58. | |
| EDLIEmployees' Deposit Linked Insurance | Your employer, 0.5% of pay up to ₹25,000. Nothing from you. | Life cover of ₹2.5 lakh to ₹7 lakh, paid to your nominee. | If you die while in service. |
The wage ceiling is ₹25,000 from 17 September 2026. It was ₹15,000 before. EPFO gives the same 8.25% interest rate for 2025-26.
Your employer's share never comes out of your pay.
Deducting it from your wages is an offence under the EPF Act. Your passbook shows every month your employer paid in, or didn't.
Claim stuck? Get help.
In person, on the 27th
Every district holds an EPFO camp, Nidhi Aapke Nikat, on the 27th of each month, or the next working day. Bring your UAN and Aadhaar. Staff fix KYC, stuck claims and grievances on the spot.
Or go to your regional office, like this one in Kadapa, on any working day.
Find an EPFO office