PF Balance Mismatch Resolver
If your PF balance is lower than expected or does not match your salary records, use this tool to diagnose the likely cause and get steps to fix it.
Diagnose Your PF Balance Issue
Common Reasons for PF Balance Mismatch
- Incomplete PF transfer: Balance from a previous employer is still in the old PF account and has not been merged.
- Multiple member IDs: Different employers created separate PF accounts under separate member IDs or UANs.
- Employer non-deposit: The employer deducted PF from salary but did not deposit it to EPFO.
- EPF vs EPS confusion: The withdrawal balance only shows EPF. EPS (pension) is a separate amount.
- Interest not credited yet: PF interest is credited annually, usually around March-April.
Frequently Asked Questions
Q. How to check if employer deposited PF every month?
A. Download your PF passbook from the UAN Member Portal under 'View' > 'Passbook'. Each row shows a monthly contribution. Compare these entries with your salary slips to verify that PF was deposited for every month you were employed.
Q. What is the difference between EPF and EPS balance?
A. EPF (Employees' Provident Fund) is your savings balance — the employee's 12% contribution plus the employer's 3.67% contribution plus interest. EPS (Employees' Pension Scheme) is a pension fund — 8.33% of employer's contribution goes here. EPS is not shown as a withdrawable balance and is only claimable if you have less than 10 years of service.
Q. How to check PF balance from previous employer?
A. If your previous employer's PF is linked to the same UAN, you can check it on the UAN portal under 'View' > 'Passbook' — switch between member IDs. If it is under a different UAN, you need to merge the UANs first using 'Manage' > 'Mark Previous UAN'.
Q. Why is PF interest not showing in passbook?
A. PF interest is typically credited once a year (usually around March-April for the previous financial year). If you are checking mid-year, the current year's interest will not be reflected yet. If the account has been inactive for more than 36 months, it becomes 'inoperative' and interest may stop accruing.
Q. How to file a complaint if employer did not deposit PF?
A. File complaints on both EPFiGMS (epfigms.gov.in) and the Shram Suvidha Portal (shramsuvidha.gov.in) with your salary slips as proof of PF deduction and passbook showing missing deposits. This is a serious violation under the EPF Act and EPFO can penalize the employer.
Related PF Guides
Other Tools
Disclaimer: This tool provides a preliminary diagnosis based on common PF balance mismatch patterns. For exact verification, compare your PF passbook with salary records and contact your EPFO field office if discrepancies persist.