Paperless EPFO

The Takeaway for Employees and Employers

29 January 2019
Anandan Subramaniam

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Housekeeping

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 Paperless Organization – Dream comes True for EPFO
It’s one of the Key Digital initiative by Government of India

 EPFO, an Organization with

 5 Crore+ subscribers
 10 Trillion Corpus
 3 Schemes – PF, EDLI and Pension

Digitization Enabled better & speedy EPFO services for 5 Crore Live subscribers

 Do away with public interface

 Eliminates public harassment
 Made No room for Fraud

 The biggest technological transition in the recent years

 Impossible – turned out to be A Possibility

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Agenda
What Digitization means for Employees and Employers

• Employees - apply claims online, transfer previous employment

accumulation through online, seeding of AADHAR mandated, passbook
details, updating personal details/KYC
• Employer – Approve the claims online with DSC certificate, approve KYC
of members

Ease of using UMANG App

Challenges faced by Employers and Employees

• Mismatch in AADHAR details

• Missing personal details
• Multiple UAN

FAQ

Questions

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 Timeline - Digitization

October 2014
UAN launched
KYC mapping commenced
July 2017
AADHAR as KYC
made mandatory

March 2012 onwards

• E-Seva was introduced
• Form 5/10/12A (monthly) omitted
• Form 3A/6A (annual) omitted
December 2016
Unified Portal replaces
ECR portal

Upto February 2012

forms & returns are manual
April 2015
PF ONLINE Remittance
mandatory

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What Digitization means for Employees and Employers
Employees
• One Employee – One Account
• Change in employment, in private establishments in
India, Transfer online
• Ease of claim of advance from PF savings
• Benefits delivery through e-payment mode
• Facility to link old PF account number to new UAN
• Timelines to settle claim slashed to 7 days (in many
case it happens in 3 days)
• Member Passbook replacing Form 23 (Earlier employer
distributes physically)
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Employers
 Online remittance. Remit payments through 56 banks
instead of only SBI previously
 Upload / amend / approve employee details online
 No Periodical returns
 No intervention required for process of Partial withdrawal
and withdrawals
 Delayed remittance – Damage and Interest is auto-
generated for easy payment
 Online approval for Transfer, with just Digital Certificate
Signature/e-sign
 No requirement for perusal of records for claim approval
 Electronic returns for Exempted establishments
 Establishment Search Facility (Vendor audits)
 TRRN Search (Challan repository)
 Universal Account Number (UAN)
UAN Digitally authenticated
KYC
• Increased frequency of Switching of jobs
• Increase in number of short-term
contractual employments AADHAR, PAN and Bank

UAN – Unique, lifelong number

Name
Date of birth
Gender
Facilitates multiple PF Account Numbers
Should match with details in UAN

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What Digitization means for Employees

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UAN - Take away for Employees

Digitally certified by employer

No mis-credits, no frauds

No intervention required from Employer, except for remittance

Any time view of Account details

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 e-Nomination replaces physical nomination

Nomination Employer duty

• Member can nominate for PF, EDLI & Pension • No need of any intervention from Employer
• Member can have more than one nominee with • No witness, No approval, No paper work
percentage and can change nominees online

e-Nomination

Employee duty Ease of doing

Logon to UAN ~ Save Family ~ Fix percentage ~ Any change in Nomination or decide to add
Nominate ~ e-Sign ~ OTP ~ Approved
Follow the process amend Family details, fix new
percentage, nominate & e-sign for approval

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 Bye Bye Papers
• Form 2, Form 9 (for employers)
No physical Forms • Form 23, Form 31 (for employees)

• Form 3A, Form 5, Form 6A, Form 10,

No physical Returns Form 12A (for employers)

• Form 13
No physical Claims • Form 19 for employees
• Form 10C

Only physical claim accepted is:

Death claims in
• Form 10D
• Form 20
• Form 5IF
Pension (Superannuation) claims
• In Form 10D

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UMANG – take away for Employees
Download UMANG app
Register your mobile number (as login-id)
Services Set your MPIN.
• View or download EPF passbook – current and previous employers
• Track EPF claim status

Claims
o Claim EPS (pension) Withdrawal – Form 10c.
o Claim EPF (full) withdrawal – Form 19.
o Submit EPF (partial/advance) claim – Form 31

Requirement
 You have to link AADHAR to UMANG app
 Need to have an active UAN number
 You should have linked your UAN to AADHAR number

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Seeding of AADHAR to UAN thro UMANG App
Helpdesk – 1800 115 246 (8 am to 8 pm)
Email – Customercare@umang.gov.in

to select the “eKYC

Services”

If you have activated the UAN, seeding of

AADHAR can be done

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Online correction of members details and Merger of Multiple UAN’s

 Provision of facility for online correction of name, date of birth and gender of
employees
 Member portal to check and verify the details in AADHAR
 Employer to authorize
Online  EPFO will approve
Correction /
UAN
merger
 Facility to retain AADHAR Seeded UAN and merge duplicate UAN’s (One PF one
Account)
 Member can view all PF accounts under same UAN

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 Auto transfer of accounts of employees

• AADHAR linked UAN by the previous employer

• Date of exit and reason is made available by previous employer
• Current employer activate the UAN

Auto
Transfer
• Auto transfer of previous account with current employers account happens once the first
contribution of current establishment against the UAN
• SMS / Email sent to employee once the auto transfer is initiated

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Ease of claiming partial withdrawal

No requirement of

• Physical claim form

• Supporting document
• Speedy process of claims
• Direct credit to KYC registered bank
account

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e-Pension(Jeevan Pramaan – Online Portal for PF
Pensioners)

Bio metric Aadhaar authentication to

comply with digital Life certificate for the
pensioners

Pension disbursing agencies (Banker) can

access the certificate for disbursement of
Monthly Pension

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Check your claim status

https://passbook.epfindia.gov.in/MemClaimStatusUAN/

Submitted a claim?
(Transfer, Partial withdrawal, Withdrawal)
Just logon with your UAN and get update

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Queries related to Member Portal

Contact Helpdesk Number : 1800 118 005

Helpdesk Email Id:uanepf@epfindia.gov.in.
http://uanmembers.epfoservices.in

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 Inoperative Account help desk
https://mis.epfindia.gov.in/INOPHelpDesk/jsp/submitDescription.jsp

Forget your past account – just fill in details & submit

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 Matching details for verification Challenges

Name 

Phi Details
Expansion of initials
Gender  Misplaced initials
 Surname and First name swapping
Date of birth  Wrong date of birth/Only Year of Birth
 Wrong Gender
AADHAR  Dots in between
 Space between names

 Modify Personal details – online  Member do not want to change names

 Correction in AADHAR
Solution

 Biometric seeding of AADHAR number in

Helpdesks in PF Offices

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Balance through MOBILE

Give a missed call

from your registered mobile number to

01122901406
Send SMS
EPFOHO<UAN><LAN> To 7738299899
from your register mobile number
UAN (UAN No.) and LAN (Language)

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Online Grievance Portal for total solution

Grievance redressal
@
Register your grievance pertaining to any
http://epfigms.gov.in/ member issues
Requirement
(1) Members’ PF account number
(2) Email ID

Get RESOLVE in 3 days

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What Digitization means for Employers

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e-Form 9 – Return of Employees

All new establishments registered

on or after 1st October 2017,
need not maintain Form-9

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Required to Register under EPF
No Paper submission required
Register ONLINE
Get your Code

Visit Shram Suvidha Portal

Complete Employer Detail

DSC token registration / E-sign with Mobile

File application /PAN & Email verification

Establishment details
Review and Submit

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Form 5A (Particulars of Ownership)

Auto generation of Form 5A while applying for

Registration of Establishment code

Online amendments and approval possible

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e-Sign – Alternate for Digital Certificate

Only authorized signatory can have in addition

to DSC
E-sign to approve with OTP of your AADHAR
linked mobile number

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 Paperless Organization – Digitized CoC for IW’s
 Indian Employees who are on an assignment to SSA countries
 Exempted from Social security schemes of the host country
 Obtain Certificate of Coverage and become International Workers

 Visit International Workers Portal. Apply with UAN and Member ID

 Upload personal and Passport/Visa details
 Print form, sign and upload
Certificate
of
Coverage
(CoC)
No papers, no passports, no visa page and
no attaching documents
ONLINE FILLABLE FORMS MADE AVAILABLE

Comparison with past practice

(a) Delay in filing - as the application had to be submitted to the PF office as a hard copy;
(b) Delay in processing - as the PF office used to reconcile the data with their records;
(c) Delay in delivering the CoC - as the PF office used to send it by post.

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Early Remittance to support Superannuation & IW Member

Facilitating Employer to make remittance

in advance to support the Member to make a claim
on due date of separation

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International Worker (IW) - e return

Effective 1st November 2018,

Introduction of online return
(replacing physical return)

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e-Court Management System

e-Court was operationalized from

1st July 2017

All new cases shall be processed by paperless

quasi-judicial proceedings

For Transparent & electronic case

management system

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e-Court Management System – Sections Covered

Section 7A : Determination of moneys due from employers on a Dispute

Section 7B : Review of orders passed under Section 7A
Section 7C : Determination of escaped amount (re-determination)
Section 7Q : Interest payable by the employer
Section 14B : Power to recover damages
Section 26B : Resolution of Doubts on eligibility of membership

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 Digitization of PF processes – a Summary

:)

:(
Employee
• Ease of claim submission and settlement
• With AADHAR seeding Enrollment, transfer and • Issues related to AADHAR and UAN
withdrawal becomes efficient and controlled seeding
• E-Nomination • Cumbersome process for correction of
• Online modification of personal details data due to inadvertent errors
• Application of claims, download passbook and e- • Allotment of multiple UAN and difficulty in
KYC through mobile App transfer
• Digital life certificate for pensioners • Challenges due to portal issues, where
• Host of help desk and customer care facilities Employer tasks are delayed
• Slowness
Employer • Frequent Maintenance
• Online and ease of registration • Integration with browser
• Online remittance • Stoppage due to spike in Traffic/
• Ease of approval Volume
• No requirement of periodical returns • Non-responsiveness of queries raised to
• Digitized IW return employer feedback
• E- Court
• E- notification to registered employer

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 Your queries…
Our clarifications.

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…and we’re done!
Thank you!

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