EPFO Passbook
A clear guide to reading your EPFO passbook — contributions, interest, employer share, and transfers explained in plain language.
What is the EPFO passbook?
The EPFO passbook is the official record of every PF transaction across your member accounts. Each account corresponds to an employer, and all of them roll up under your UAN.
It lists monthly contributions (employee and employer share), interest credited, and any withdrawals or transfers.
How to read each entry
A transfer between two PF accounts is not the same as a withdrawal (claim). A transfer keeps your money invested; a claim pays it out. Reading these correctly avoids confusion about your true balance.
- Employee share — your own 12% contribution on basic + DA.
- Employer share — the employer’s EPF contribution to your account.
- Pension (EPS) — a portion of the employer share, tracked separately.
- Interest — credited by EPFO, usually once a year.
- Transfer-in / Transfer-out — movement of balances when you change jobs.
PF withdrawal vs transferUAN & passbookCheck your PF balance
PF+ is an independent product. It is not EPFO, not affiliated with or endorsed by the Government of India, and is not a substitute for official EPFO/UMANG services. Information is provided for educational purposes only — always verify important details through official channels.
Where do I access my official EPFO passbook?
Through the official EPFO passbook portal or the UMANG app using your UAN. PF+ is not EPFO and does not host your official passbook.
Why does my passbook show a transfer as a large debit and credit?
When balances move between employers, you’ll see a transfer-out from the old account and a transfer-in to the new one. Net-net your money is preserved; it has simply moved.