PF Balance Mismatch Resolver
A PF balance that doesn't add up can mean several different things - a pending transfer from a previous job, missing deposits, fragmented UANs, or something as simple as interest not being credited yet. The cause matters because the fix is different for each one. Answer the questions below to narrow it down.
Diagnose Your PF Balance Issue
The Most Common Reasons PF Balances Don't Add Up
Nine times out of ten, a balance mismatch traces back to one of these:
- Incomplete transfer from a previous employer - the old balance is sitting in the old account, untransferred. It won't show in your current passbook until the transfer goes through.
- Multiple UANs or member IDs - different employers created separate PF accounts that were never linked. Your total balance is fragmented across them.
- Employer deposited less than was deducted - PF was cut from your salary but the employer didn't remit the full amount to EPFO. The passbook will show the gap month by month.
- Confusing EPF with EPS - the EPS pension portion doesn't appear in your withdrawable balance. It's a separate fund. If you're looking at just the EPF balance, EPS is not included.
- Interest hasn't been credited yet - EPFO updates interest once a year, typically by March–April. Mid-year balances won't include the current year's interest.
Frequently Asked Questions
Q. How to check if employer deposited PF every month?
A. Download your passbook from the UAN portal (View → Passbook). Every row is a monthly contribution entry. Lay it next to your salary slips - if PF was deducted from your salary but the corresponding month is missing from the passbook, your employer didn't deposit it. That's a violation, and EPFO takes it seriously.
Q. What is the difference between EPF and EPS balance?
A. Your EPF balance is the savings portion - your 12% contribution, the employer's 3.67%, plus interest. EPS is different: 8.33% of the employer's contribution goes into the pension scheme and doesn't show up in your withdrawable balance. Under 10 years of service, EPS is claimable as a lump sum via Form 10C. Over 10 years, it converts to a monthly pension at 58 - not withdrawable.
Q. How to check PF balance from previous employer?
A. If the old account is linked to your current UAN, go to View → Passbook on the UAN portal and switch between the member IDs listed. If it's under a completely separate UAN (which happens when employers don't link properly), you'll need to merge the UANs first - Manage → Mark Previous UAN.
Q. Why is PF interest not showing in passbook?
A. EPFO credits interest once a year, usually around March–April for the previous financial year. If you're checking in, say, October, the current year's interest simply won't be there yet. Also worth knowing: if an account has been inactive for more than 36 months, it becomes 'inoperative' and interest stops accruing until it's reactivated.
Q. How to file a complaint if employer did not deposit PF?
A. File on EPFiGMS (epfigms.gov.in) and also on the Shram Suvidha Portal (shramsuvidha.gov.in). Attach your salary slips showing PF was deducted, alongside the passbook showing the months are blank. Non-deposit of PF contributions is an offence under the EPF Act - EPFO can levy penalties and prosecute the employer.
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Disclaimer: This tool gives a preliminary diagnosis based on common mismatch patterns. For exact verification, cross-check your passbook against salary records and contact your EPFO field office if discrepancies continue.