How is a new UAN generated in 2026?

On the UMANG app, with Aadhaar face authentication, under UAN Allotment and Activation. The member portal no longer allots or activates a UAN directly. PIB Release ID 2120326 describes the steps. The UAN arrives by SMS and is auto-activated on the member portal.

Where do I find a UAN I have forgotten?

Use Know Your UAN on the Unified Member Portal. The employer’s challan, the generation SMS and the e-UAN card are the other official clues. This website does not look the number up.

What is the official login address?

https://unifiedportal-mem.epfindia.gov.in/memberinterface/ for the member portal, and https://passbook.epfindia.gov.in/MemberPassBook/Login for the passbook. Reset a password only on the official portal. EPFO does not call members for an OTP.

Does bank KYC still need the employer’s approval?

No. PIB Release ID 2136592 says employer approval for seeding the bank account with the UAN was removed from April 2025, and that cheque-leaf uploads were removed for many online claims.

How much of the EPF balance can be withdrawn while working?

Up to the eligible member balance under paragraph 46, after leaving 25% behind, and at least ₹1,000. On a balance of ₹2,00,000 that maximum is ₹1,50,000, subject to the purpose and the frequency cap.

When is a full settlement allowed?

Paragraph 49(1) covers retirement at 55, permanent incapacity, migration or employment abroad, retrenchment and an agreed VRS. Other cases under paragraph 49(2) wait twelve months out of covered employment, unless the member is a woman who resigned to get married.

What is the EPF interest rate for 2025-26?

8.25%, declared by EPFO order dated 1 July 2026. Interest is credited on the monthly running balance. The wage ceiling is ₹25,000 from September 2026. Years after 2025-26 are not declared.

Is TDS deducted on a PF withdrawal?

Section 192A can apply to a taxable premature withdrawal. No TDS is deducted under that section if the amount is less than ₹50,000. The published rate is 10% when PAN is on file. A transfer between PF accounts is not a withdrawal.

Short answers

UAN and EPF frequently asked questions

यूएएन और ईपीएफ के प्रश्न

Last reviewed: 11 November 2026

These answers use the EPF Scheme, 2026, the ministry notes cited on each long page, and the official portals. Each question points at the page that has the steps or the worked figures. Nothing here looks up a member. Start from the UAN home page if you want the map rather than a single question.

Activation and finding a UAN

Can a UAN still be activated on the EPFO website?

No. The Unified Member Portal notice states that activation through the portal has been discontinued and that direct allotment through the portal has been discontinued. Both are done on UMANG, under UAN Services Through Face Auth, then UAN Allotment and Activation. The helpdesk printed with that notice is 14470. The step-by-step, including a red face-outline that will not turn green, is on how to activate a UAN.

What does a successful generation actually send?

PIB Release ID 2120326 (9 April 2025) says the member installs UMANG and AadhaarFaceRD, enters Aadhaar and the mobile number linked with Aadhaar, gives consent, validates the OTP, and completes the face capture. The outline turning from red to green means the capture succeeded. After a match with the Aadhaar database, the UAN is sent by SMS. The e-UAN card can be downloaded from UMANG or the member portal, and the UAN is auto-activated. An existing UAN that was never activated uses the same path. Older instructions that describe a portal OTP and an authorisation PIN are the 2024 method and are not current.

How do I find a UAN I have forgotten?

Use Know Your UAN on the member portal. That service is still listed there. Other official clues are the employer’s challan, the SMS from the original generation, and the e-UAN card. The missed-call and SMS balance channels on the passbook page need the number already. They do not search for it. This website has no lookup. The detail is on know your UAN.

What is the difference between a UAN and a member ID?

The UAN is the twelve-digit number meant to last across jobs. The member ID is the account with one employer. A new job should add a member ID under the same UAN. A second UAN is a mistake to repair by de-linking the wrong member ID, not a second balance to withdraw. See what a UAN is.

Login and safety

What is the real login address?

The member portal is unifiedportal-mem.epfindia.gov.in/memberinterface/. The passbook is passbook.epfindia.gov.in. UMANG is the app. The organisation site is epfindia.gov.in. A password is reset only on the member portal’s own forgot-password link. More on UAN login.

Will EPFO call and ask for an OTP?

The passbook login page says no. It tells members not to share Aadhaar, PAN, bank details or an OTP, and it says EPFO never calls members or pensioners to ask for a deposit. PIB Release ID 2136592 says claim filing, transfers, KYC and grievances are free, and it warns against paying cybercafés and unauthorised agents. A caller who wants a fee and an OTP is not the helpdesk. The helpdesk you dial yourself is 14470.

Is UMANG safe to install?

Install it from the official Play Store or App Store, together with AadhaarFaceRD if you are activating a UAN. Do not install it from a link in a text message. The face capture stays inside those official apps. A person at a shop does not need your OTP to “finish activation”.

KYC and the passbook

Which KYC details are seeded on the UAN?

Aadhaar, PAN and a bank account, after you are logged in to the member portal. From April 2025, employer approval for seeding the bank account has been removed. Uploading a cheque leaf or an attested bank passbook image has been removed for many online claims. Profile correction uses Aadhaar, with employer and EPFO dependency removed in most cases. A wrong member ID can be de-linked online. All of that is from PIB Release ID 2136592, and the clicks are on UAN KYC.

Where do I see the balance?

On the official passbook host, or with a missed call to 9966044425, or by SMS of EPFOHO followed by the UAN to 7738299899, as printed on the passbook login page. The passbook helpdesk on that page is 1800 118 005. UMANG can show the passbook after activation. This website cannot. Reading the columns is explained on the passbook page.

Why is the employer share in the passbook smaller than my share?

Because 8.33% of wages up to the ceiling was diverted to EPS from the employer’s 12%. At the ₹25,000 ceiling the employee EPF credit is ₹3,000, EPS is ₹2,083 and employer EPF is ₹917. EDLI of ₹125 is not in the corpus at all. If a whole month is missing, the employer has not remitted it or it has not been posted. That is not an interest-rate problem.

Transfer and claims

Should I transfer or withdraw when I change jobs?

Transfer. The money stays in EPF, it is not a taxable withdrawal, and from 15 January 2025 employer approval is not required in most cases. Withdraw only if a paragraph 46 purpose fits or a paragraph 49 settlement condition is met. A person who has just joined another covered establishment does not meet the ordinary twelve-month wait for a full settlement. See PF transfer.

How much can I take while I am still working?

After twelve months of membership, up to the eligible balance: the aggregate minus 25%, and not less than ₹1,000. Illness has no numeric cap. Education is ten times, marriage five, housing five, special circumstances twice in a financial year. Counts restart from the start of the 2026 Scheme. On ₹2,00,000 the maximum partial withdrawal is ₹1,50,000. The early-exit rule in paragraph 46(5) covers someone who leaves before twelve months, still limited to the eligible balance. Worked rows are on the withdrawal page.

When can the full amount be taken?

Paragraph 49(1): retirement at 55, permanent and total incapacity, permanent migration or employment abroad, retrenchment, an agreed voluntary retirement scheme, and certain closure cases after two months. Paragraph 49(2): in other cases, twelve continuous months with no covered employment. That wait does not apply to a female member who resigns in order to get married. Until then, paragraph 46 is what the Scheme provides.

What is the ₹1 lakh auto-settlement figure?

PIB Release ID 2136592 says the auto claim settlement limit was enhanced to ₹1 lakh for advances for illness, housing, marriage and education in FY 2024-25. It is about processing, not about raising the 75% cap. It does not guarantee that a particular claim will be auto-settled.

Interest, the ceiling and TDS

What interest rate is declared right now?

8.25% for 2023-24, for 2024-25 and for 2025-26. The 2025-26 order is dated 1 July 2026. Interest uses the monthly running balance in paragraph 42, rounded to the nearest rupee. A full year at the old ₹15,000 ceiling, ₹2,350 a month, opening balance zero, produces ₹1,066 of interest and a closing balance of ₹29,266. The table from 2011-12, and the rule for later years, is on the interest page.

What is the wage ceiling from September 2026?

₹25,000 a month, revised from ₹15,000 by a gazette notification dated 17 September 2026, with the key changes effective from September 2026, according to PIB Release ID 2314111. In November 2026, at that ceiling and at 12%, the monthly EPF inflow is ₹3,917. One year from November 2026, opening balance zero, closes at ₹50,419, of which ₹3,415 is interest using 8.25% only as the last declared rate, for illustration. Those later years are not declared.

Will tax be cut if I withdraw?

Section 192A can apply to a taxable premature withdrawal, usually before five years of continuous service. The Income Tax Department says no TDS is deducted under section 192A below ₹50,000. The published rate is 10% where the section applies and PAN is on file. If PAN is not furnished, section 206AA can require a higher rate, up to the familiar 20% floor in that section’s formula. A transfer is not taxed as a withdrawal. The checklist flags the situation and does not multiply out a personal tax bill.

Are the calculator and the checklist sending my details anywhere?

No. Both run in the browser. The calculator takes wages, a start month, years, an opening balance and the contribution class. The checklist takes a purpose, months, an estimated balance and yes-or-no answers. Neither asks for a UAN, Aadhaar, PAN, bank account, phone number or password. The passbook and the claim stay on the official sites linked above.