Archive · 14 Sep 2026
How Employees Can Check Monthly PF Deposits and Missing Contributions
Your employer may take PF money from your salary, but that does not automatically prove it has been deposited.
Employers are supposed to send the money to the Employees’ Provident Fund Organisation within 15 days after each month ends.
You can check this by logging into the EPFO member portal with your Universal Account Number.
The EPF passbook shows your contribution, your employer’s contribution and, where applicable, the pension contribution.
Compare these entries with your salary slips every few months.
Deposits may take some time to appear, so check after the normal processing period.
If money is still missing, first speak with your employer’s payroll or human resources department.
You can also file a grievance with EPFO or submit a written complaint to PF authorities.
Delayed deposits can lead to interest and penalties for the employer, while members are entitled to the applicable interest on their contributions.
Employers must deposit employees’ PF deductions and their own contributions with the EPFO within 15 days after the month ends.
Employees can compare their salary slips with monthly entries in the EPF passbook linked to their Universal Account Number.
The EPF passbook records employee, employer and applicable Employees’ Pension Scheme contributions.
If a deposit is missing after the normal processing period, employees should contact payroll or human resources before escalating the issue.
Employees can file complaints through the EPF i Grievance Management System or with PF authorities, using documents such as salary slips and EPF statements.
- Who
- Employees, employers and the Employees’ Provident Fund Organisation (EPFO).
- What
- Employees are being advised how to verify monthly PF deposits and report missing contributions.
- When
- Employers must deposit contributions within 15 days after the close of each month; employees should check after the normal processing period.
- Where
- Through the EPFO Member Passbook service, Passbook Lite, the UMANG app, or EPFO grievance channels.
- Why
- To ensure deducted PF reaches the employee’s account and to identify missing or incorrect entries before withdrawals, transfers or pension claims.
- Deposit deadline
- Within 15 days of the close of each month.
- Checking method
- Log in to the EPFO Member Passbook service using an activated UAN.
- Passbook details
- Employee contribution, employer contribution and applicable EPS contribution.
- Other access option
- EPFO services, including Passbook Lite, are available through the UMANG app.
- If deposits are missing
- Contact payroll or HR, then consider filing an EPFIGMS grievance or written complaint with PF authorities.
- Employer consequences
- Delayed deposits can attract penal interest under Section 7Q and penal damages under Section 14B.
- EPF interest rate
- The article states the current rate is 8.25% per annum for the current financial year, with interest credited annually.