How to check PF balance and claim withdrawal — complete 2026 guide

EPFO settles around 5 crore claims a year (Annual Report 2024-25); roughly 1 in 7 gets stuck or rejected the first time. Most rejections are silent — meaning you only see “rejected”, never the reason. This guide tells you the full process from balance check to withdrawal, and exactly what to do when the system goes quiet.

The Employees' Provident Fund (EPF) is governed by the EPF & MP Act 1952. Section 6 mandates the contribution (12% of basic from employee + 12% from employer, of which 8.33% goes to pension under §6A). The corpus and interest belong to you, the member, and you can:

• Check balance any time, free
• Withdraw partial (advance) under Para 68B-N of the EPF Scheme 1952 for housing, marriage, education, medical, COVID, natural calamity, etc.
• Withdraw full (settlement) under Para 69 — on retirement (age 55), permanent disability, leaving India, or 2 months of unemployment after resignation
• Withdraw pension under Form 10C (service < 10 years) or take monthly pension under Form 10D (service ≥ 10 years)

Two months of unemployment is the default trigger for full settlement. If you join a new job before 2 months are over, you're expected to transfer the PF, not withdraw — but technically you can still withdraw if KYC permits.

For the official legal text of the Act and Schemes, see EPFO — Acts & Schemes (epfindia.gov.in). The current interest rate is 8.25% for FY 2024-25 — see our detailed breakdown at EPF interest rate 2025-26: 8.25% explained.

Your UAN (Universal Account Number) is the master ID. Get it from your salary slip, employer's HR, or by entering your member ID at https://unifiedportal-mem.epfindia.gov.in → “Know Your UAN”.

To activate:

1. Go to https://unifiedportal-mem.epfindia.gov.in
2. Click “Activate UAN”
3. Enter UAN, member ID, name, DOB, mobile, Aadhaar, captcha
4. OTP on mobile → set password
5. Login

For a dedicated walkthrough of UAN activation and login troubleshooting, see UAN activation and login guide 2026 and How to recover or activate your UAN.

In the Member Portal → “Manage” → “KYC”, add:

• Aadhaar (must be e-KYC verified by UIDAI — usually instant)
• PAN (must validate against Income Tax records)
• Bank account (with IFSC; name on bank must exactly match EPF name)

Each KYC item must show “Approved by Employer” before it's usable. Your ex-employer's HR has a portal login for this — if they're slow, follow up by email and CC the Regional PF Office (more on this in the stuck section).

If your name or date of birth is wrong in EPFO records, see How to correct your UAN name and date of birth online. For Aadhaar-related issues blocking KYC, see Aadhaar update status check 2026.

Four methods:

1. EPFO Passbook portal: https://passbook.epfindia.gov.in → login with UAN + password → see contribution-wise statement
2. UMANG app: download → “EPFO” service → “Employee Centric Services” → “View Passbook”
3. Missed call: dial 9966044425 from your UAN-registered mobile → SMS reply with last contribution + total balance
4. SMS: send “EPFOHO UAN ENG” (or HIN, MAR, TEL, etc. for language) to 7738299899

The portal lags by 1-2 months because employers report contributions monthly with a delay.

For more balance-check methods and troubleshooting tips, see EPF balance check 2026 — all methods and EPF PF claim status check 2026.

• Form 31 — Advance (partial withdrawal): choose this for housing (Para 68B), marriage (68K), education (68K), medical (68J), COVID-19 (68L). Limits vary by purpose. No 2-month waiting required for most heads.
• Form 19 — Full PF settlement: only after 2 months of unemployment post-resignation, or on retirement at 55+, or permanent disability, or leaving India for good. Wipes out the PF account.
• Form 10C — Pension withdrawal benefit: if your service was less than 10 years, you can withdraw the pension portion as a lump sum (using a “Table D” formula). Filed alongside Form 19 usually.
• Form 10D — Monthly pension: only if service was 10 years or more. Starts after age 58 (or earlier with reduced amount from age 50).

For detailed guides on each form, see Form 31 advance withdrawal online and Form 10C EPS pension withdrawal & scheme certificate. The updated 2026 withdrawal rules are explained in EPF Scheme 2026: new PF withdrawal rules explained.

1. Login to Member Portal
2. Go to “Online Services” → “Claim (Form 31, 19, 10C, 10D)”
3. Verify the last 4 digits of your bank account
4. Choose “Proceed for Online Claim”
5. Pick the form (e.g., “Only PF Withdrawal — Form 19”)
6. Fill the address, choose reason
7. Upload scanned cheque leaf showing your name (only if asked — most cases now skipped)
8. Aadhaar OTP for e-sign
9. Submit

You get a claim reference number instantly. Note it.

EPFO now offers auto-settlement of PF advances up to ₹5 lakh within 72 hours when KYC is complete and Aadhaar is authenticated. See EPFO auto-settlement PF advance ₹5 lakh in 72 hours for eligibility.

If all KYC is “Approved by Employer” and your Date of Exit (DOE) is updated, the claim goes directly to EPFO — no employer attestation. If DOE is missing (very common), the claim is stuck waiting on employer. You can:

• Login → “Manage” → “Mark Exit” → enter DOE yourself (since 2021 employees can do this)
• Or chase ex-employer's HR

The Regional Provident Fund Commissioner (RPFC) office where your last employer is registered processes the claim. Auto-validation runs:

1. UAN + name + DOB + Aadhaar match
2. Bank account active and name match
3. PAN seeded (else 34.6% TDS on the taxable portion)
4. Service period > 5 years? → no TDS. Less than 5 years? → 10% TDS if claim > ₹50,000 and PAN seeded; 34.6% if PAN missing.
5. DOE marked, NCP (non-contributory period) days reasonable
6. No “stop payment” markers from previous transfer

If all green: claim is approved by the Section Officer → forwarded to Accounts → bank transfer initiated.

• Aadhaar-validated, no employer involvement: 7-15 working days
• Employer attestation pending: 30-90 days
• Pension component (Form 10C): usually clears separately, can take an extra 7-14 days

You'll get an SMS when the claim is “Settled” and another when payment is initiated. The credit shows in your bank with narration like “EPFO TRF NEFT/UTR XXXXX”.

Service                              Cost (₹)        Where
----------------------------------------------------------
UAN activation                          0            unifiedportal-mem.epfindia.gov.in
Balance check (passbook)                0            passbook.epfindia.gov.in
Balance via SMS                         0            send to 7738299899
Balance via missed call                 0            dial 9966044425
KYC update (PAN/Aadhaar/bank)           0            Member Portal
PAN correction at NSDL (if mismatch)   110           tin-nsdl.com
Aadhaar update (name correction)        50           UIDAI / Aadhaar Seva Kendra
Bank name update (rare)                 0-300        your bank
Form 19 — PF withdrawal                 0            Member Portal online
Form 10C — pension withdrawal           0            Member Portal online
Form 31 — advance                       0            Member Portal online
Form 10D — monthly pension              0            Member Portal online
EPFiGMS grievance                       0            epfigms.gov.in
RTI to RPFC                            10            Indian Postal Order
First Appeal RTI                        0            free
----------------------------------------------------------
TDS on early withdrawal (< 5 yrs):
  PAN seeded:                           10% if claim > ₹50,000
  PAN not seeded:                      34.6% (max marginal)
  Form 15G submitted:                   0% (if income below threshold)
----------------------------------------------------------

Checking your PF balance online is free and takes under 2 minutes once your UAN is activated. Here are the four official methods, ranked by convenience:

1. Method 1 — EPFO Member Passbook portal (recommended): Visit passbook.epfindia.gov.in, login with your UAN and password. You'll see a contribution-wise passbook showing each monthly deposit from every employer linked to your UAN, the opening balance, contributions, interest credited, and any withdrawals. This is the most detailed view.
2. Method 2 — UMANG app: Download UMANG from Play Store/App Store → open → search “EPFO” → select “Employee Centric Services” → tap “View Passbook”. You can also check claim status here. The UMANG app now supports face authentication for login — see EPFO UAN face authentication on UMANG app.
3. Method 3 — Missed call: Dial 9966044425 from the mobile number linked to your UAN. The call disconnects automatically and you receive an SMS within 1-2 minutes with your last contribution amount and total PF balance. Works even on basic phones.
4. Method 4 — SMS: Send “EPFOHO UAN ENG” to 7738299899. Replace “ENG” with HIN (Hindi), MAR (Marathi), TEL (Telugu), TAM (Tamil), KAN (Kannada), MAL (Malayalam), or GUJ (Gujarati) for your preferred language. You'll get balance details by SMS.

Why does the balance sometimes look wrong or lower than expected? The passbook is updated only after your employer files the Electronic Challan cum Return (ECR) for the month, which can take 30-60 days. Also, interest for the current financial year is credited in a single lump sum at year-end (usually April), so mid-year balances may not reflect accrued interest. For the interest calculation methodology, see EPFO interest rate page (epfindia.gov.in) and our guide EPF interest rate 8.25% explained.

If your balance shows zero or missing contributions, your employer may not have deposited PF — see RTI for EPF employer not depositing.

Once you file a claim (Form 19, 10C, 31, or 10D), you can track its progress in real time. Here's how:

1. Online — EPFO Member Portal: Login → “Online Services” → “Track Claim Status” → enter your claim reference number or UAN. You'll see the current stage of processing.
2. UMANG app: EPFO → “Employee Centric Services” → “Track Claim” → enter UAN.
3. EPFO website — “Know Your Claim Status”: Visit epfindia.gov.in → “Our Services” → “For Employees” → “Know Your Claim Status”. You'll need your member account number (not UAN) and office details.
4. SMS: You'll receive automatic SMS updates at key milestones: claim filed, claim under process, claim approved/settled, payment initiated.

For a dedicated RTI approach to checking your claim status when the portal is unhelpful, see EPFO claim status RTI and RTI for EPF claim delayed.

The online withdrawal process is outlined in Steps 1-8 above, but here's a condensed quick-reference you can follow:

1. Prerequisites: UAN activated ✓, Aadhaar-PAN-bank KYC approved by employer ✓, Date of Exit marked ✓
2. Step 1: Login to EPFO Member Portal
3. Step 2: Go to “Online Services” → “Claim (Form 31, 19, 10C & 10D)“
4. Step 3: Verify the last 4 digits of your bank account number shown on screen
5. Step 4: Click “Proceed for Online Claim”
6. Step 5: Select the form type — Form 19 (full PF), Form 10C (pension), or Form 31 (advance)
7. Step 6: Fill in your address, purpose/reason for withdrawal, and amount (for Form 31 advance)
8. Step 7: Upload scanned cheque or bank passbook front page (only if the portal asks — many claims now skip this)
9. Step 8: Aadhaar OTP e-sign → submit → note the claim reference number

After submission: Track status using the methods above. Typical timeline:

1. Auto-settled claims (Aadhaar-verified, KYC complete): 7-15 working days
2. Claims requiring employer attestation: 30-90 days
3. Claims stuck due to errors: indefinite until you fix the root cause

For a step-by-step video walkthrough of the advance (Form 31) process specifically, see EPF Form 31 advance withdrawal online — India.

A rejected PF claim is frustrating but fixable. The key problem is that the portal doesn't show the rejection reason. Here's your action plan:

1. Step 1 — Check claim status: Login to Member Portal → “Track Claim Status”. Note the exact status (Rejected / Settled-Bounced / Cancelled).
2. Step 2 — File an EPFiGMS grievance: Go to epfigms.gov.in → register a complaint under “Claim Settlement” → attach screenshots of your claim status. Ask specifically: “Please provide the exact reason for rejection of my claim reference number [XXXX].”
3. Step 3 — Wait 15-20 days for the EPFiGMS reply. If it gives you the reason (e.g., “PAN-Aadhaar name mismatch”, “bank account name mismatch”, “DOE not marked”), fix that specific issue and refile the claim.
4. Step 4 — If EPFiGMS gives a generic reply or no reply within 30 days: File an RTI to the PIO at your RPFC office (₹10 by IPO). Ask: “Under Section 6(1) of the RTI Act 2005, please provide the specific reason for rejection of EPF claim reference number [XXXX] filed on [date] by UAN [XXXX], along with the name and designation of the officer who processed it.” The PIO must reply in writing within 30 days.

For detailed templates and the full RTI procedure for rejected claims, see:

1. PF withdrawal claim rejected without reason — India
2. EPFO claim rejected / pending — UAN KYC complaint guide
3. RTI for a stuck PF withdrawal — full guide

If EPFO recovers money after settling your claim by mistake — they cannot do so. See EPFO cannot recover settled PF from employee for employer default.

When you change jobs, you should transfer your PF balance from your old employer's account to your new one — not withdraw it. Transfer preserves your continuous service (important for pension eligibility and TDS exemption) and keeps all your retirement savings in one place.

1. Step 1: Ensure your UAN is activated and KYC (Aadhaar, PAN, bank) is approved by your current employer.
2. Step 2: Login to EPFO Member Portal.
3. Step 3: Go to “Online Services” → “One Member – One EPF Account (Transfer Request)“.
4. Step 4: The portal will show your previous member IDs. Select the one you want to transfer from.
5. Step 5: Choose attestation mode — Previous Employer or Current Employer. (Current employer is usually faster.)
6. Step 6: Submit the Form 13 transfer request online. Your chosen employer will approve it on their portal.
7. Step 7: Once approved, the transfer happens automatically within 15-30 days. You'll see it reflected in your passbook.

Auto-transfer: Since 2023, if you join a new employer who registers you on the same UAN, EPFO can auto-trigger the transfer. See PF transfer on job change — Form 13 auto-transfer for details.

If transfer is stuck or delayed beyond 30 days: File an RTI. See PF transfer delay RTI and RTI for EPF withdrawal delay 2026.

Multiple UANs? If you accidentally have more than one UAN, you must merge them before transfers work correctly. See Merge multiple UAN into one — EPF 2026.

Many people confuse these three related but distinct components. Here's a clear comparison:

Key takeaway: EPF is your main savings, EPS is your pension (capped), and VPF is a way to save more at the same 8.25% rate if you want to. For a deeper comparison of VPF with PPF, see VPF vs PPF — which is better?.

For interest taxation rules on high EPF balances (above ₹2.5 lakh), see EPF interest taxable above ₹2.5 lakh — Rule 9D.

For EPS pension withdrawal and scheme certificate details, see Form 10C EPS pension withdrawal & scheme certificate. For CPPS (Centralized Pension Payment System) that lets you draw pension from any bank branch, see EPFO CPPS — EPS pension from any bank branch.

If your PF claim has been pending for more than 30 days and EPFiGMS hasn't given a substantive resolution, filing an RTI is the most effective next step. Here's the process:

1. Step 1 — Identify the correct PIO: The Public Information Officer (PIO) is located at the Regional Provident Fund Commissioner (RPFC) office where your employer is registered. Find your office in the EPFO office contact table below.
2. Step 2 — Draft your RTI application (use plain paper or print the format from RTI forms page). Keep it to one page. Sample text:

To,
The Central Public Information Officer (CPIO),
Employees' Provident Fund Organisation,
[Office Name, e.g., RPFC Bangalore]
[Address]

Subject: Application under Section 6(1) of the Right to Information Act, 2005

Sir/Madam,

I, [Your Name], UAN [XXXXXXXXX], had filed EPF claim reference 
no. [XXXXXXXX] on [date] for [Form 19 / 10C / 31]. The claim status 
on the portal shows "[status]" since [date].

I request the following information:
1. The current status of my claim and the stage of processing.
2. The specific reason for delay or rejection, if any.
3. The name and designation of the officer handling my claim.
4. The expected date by which the claim will be settled.
5. If any document or correction is pending from my side, the 
   exact details of what is required.

I am enclosing Indian Postal Order No. [XXXX] for ₹10 as the 
application fee.

Yours faithfully,
[Name, Address, Mobile, Email]

1. Step 3 — Attach the fee: ₹10 by Indian Postal Order (IPO) payable to “Accounts Officer, EPFO” or cash/DD as accepted by the specific office. SC/ST/BPL applicants are exempt.
2. Step 4 — Send by registered post to the RPFC office address (see table below). Keep the postal receipt.
3. Step 5 — Wait for reply: The PIO must reply within 30 days under §7(1) of the RTI Act. Most replies come in 15-25 days.
4. Step 6 — If no reply in 30 days or unsatisfactory reply: File a First Appeal (free) under §19(1) to the Appellate Authority at the same office. If still unresolved, approach the Central Information Commission (CIC).

For comprehensive RTI templates and case studies, see:

1. RTI for a stuck PF withdrawal — full guide
2. RTI for EPF claim delayed
3. RTI for PF/pension delay
4. RTI in 12 simple steps

EPFO has offices across India. Your claim is processed at the office where your last employer is registered. Here are major offices — for the full directory, visit EPFO office directory (epfindia.gov.in) or call the toll-free helpline 14470.

National helpline: 14470 (toll-free) or 011-22901406 — Mon-Fri, 9:15 AM to 5:45 PM. Online grievance portal: epfigms.gov.in. For all helpline numbers, see All helplines — central & state.

1. Aadhaar-bank-PAN seeding incomplete (most common — 40% of stuck claims). Even one mismatch (initial, surname, DOB) silently rejects. Fix: get the mismatch corrected at the source (UIDAI / NSDL / bank), then refile.
2. Employer hasn't updated DOE. Fix: mark exit yourself in Member Portal under “Manage → Mark Exit” (allowed since 2021).
3. KYC pending employer attestation. Fix: email HR with subject “URGENT: PF KYC pending approval — UAN [number]”; CC the RPFC office.
4. Service period < 5 years: 10% TDS auto-deducted if claim > ₹50,000. Avoid by submitting Form 15G during claim filing (if your annual income is below the basic exemption limit).
5. Previous PF transfer pending. If you joined a new employer and triggered a transfer that didn't complete, the new claim sits behind it. Fix: complete transfer first, or cancel it and restart.
6. Non-contributory period (NCP) days flagged. Long unpaid leaves or breaks make EPFO recompute. Fix: get employer to certify the NCP days in writing; submit at RPFC.
7. Multiple UANs (different employers). EPFO consolidates but sometimes claims fail until you raise a “UAN merger” request via Member Portal.
8. Bank account dormant or closed. The credit bounces. Fix: update bank in KYC, refile.
9. Name mismatch between PAN and Aadhaar (Anita's case). Fix: align both at the source.
10. EPFO server downtime / bulk processing freeze (last week of fiscal year). Fix: refile after 5-7 days.

EPFO's central helpline: 14470 (toll-free), or 011-22901406. Hours: 9:15 AM to 5:45 PM, Mon-Fri. Have your UAN and claim reference ready. The agent can see your claim status but cannot override technical rejections — they'll usually direct you to EPFiGMS.

File at https://epfigms.gov.in. SLA: 30 days. Choose category “Claim Settlement → Form 19/10C/31”. Attach screenshots of your claim status. Realistically, 50-60% of EPFiGMS tickets get a substantive resolution; the rest get marked “resolved” with a generic reply (like Anita's case).

App → EPFO → Grievance. Same backend as EPFiGMS but with mobile-friendly tracking.

If your claim has been pending more than 45 days, walk in to the RPFC office where your employer is registered. Ask for the dealing assistant for your account number. A polite in-person follow-up with your acknowledgement often unblocks files.

RTI works here when: your claim has been “Under Process” or rejected silently for more than 30 days, EPFiGMS has marked tickets resolved without giving you a substantive reason, or you need to know exactly which document/correction is blocking so you can fix it. The PIO must reply in writing within 30 days under §7(1) of the RTI Act.

RTI does NOT directly help when: your employer has stopped depositing PF altogether (different problem — see RTI for EPF employer not depositing), or you simply have not completed Aadhaar-PAN-bank seeding (the RTI will tell you to do that first).

For the full template (with copy-ready text, the ₹10 IPO instructions, and what the RTI reply usually looks like), see RTI for stuck PF withdrawal — already published, comprehensive.

For employer-side issues like non-deposit of contributions, see RTI for EPF employer not depositing.

For disputes that EPFO has wrongly decided (e.g., wrong assessment of dues, illegal recovery), you can approach the EPF Appellate Tribunal under Sections 7-I or 7-A of the EPF & MP Act. See EPF appeal — 7A, 14B, Appellate Tribunal, Section 7I.

If someone contacts you offering to “help” withdraw your PF for a commission, or if you suspect your PF was withdrawn fraudulently by someone else, see EPFO PF withdrawal fraud recovery — India.

If you haven't added a nominee to your EPF/EPS account, your family will face enormous difficulty claiming the corpus in case of your death. Update your nomination online — see EPF e-nomination — add/update nominee via UAN. For the death claim process without a nominee, see EPF death claim without nominee — legal heir process.

Q. Can I withdraw my entire PF the day I resign?
No. For full Form 19 settlement you must wait 2 months from your last working day (this is to confirm you remain unemployed). For Form 31 advance (housing/medical/marriage/education), no waiting period.

Q. I'm joining a new job — should I withdraw or transfer?
Transfer is strongly recommended. Continuous service builds your pension (Form 10D eligibility at 10 years) and avoids TDS. Transfer is one-click on Member Portal once KYC is complete.

Q. What if my employer never updates Date of Exit?
Login → Manage → “Mark Exit” → enter DOE yourself. This has been allowed since 2021 and works without employer involvement.

Q. The portal shows “Settled” but money isn't in my bank.
Check the IFSC and account number in your KYC. If bank account is dormant or closed, the credit bounces back to EPFO and the claim status changes to “Settled — Bounced”. You'll need to update bank KYC and refile a new claim.

Q. Can I withdraw PF if I'm relocating abroad permanently?
Yes — under Para 69(1)(b) of the EPF Scheme. No 2-month wait. You'll need to attach a copy of your visa/work-permit + bank a/c (Indian or NRO).

Q. How much TDS will be cut from my claim?
If your service is 5 years or more — zero TDS on PF withdrawal (no income tax). If less than 5 years and claim is above ₹50,000 — 10% TDS (with PAN), 34.6% (without PAN). Form 15G/15H submitted at filing makes it zero if you're below the basic exemption limit.

Q. I forgot my UAN password — how do I reset?
Member Portal → “Forgot Password” → enter UAN + Aadhaar-linked mobile → OTP → set new password.

Q. Can I check my PF balance without internet?
Yes — give a missed call to 9966044425 from your UAN-registered mobile, or send SMS “EPFOHO UAN ENG” to 7738299899. Both work on any basic phone.

Q. My employer has two UANs for me — what do I do?
You must merge them into one. Go to Member Portal → “One Member – One EPF Account” or see our guide: Merge multiple UAN into one — EPF 2026.

Q. How long does an auto-settled PF advance take?
If your Aadhaar is authenticated, KYC is complete, and the claim is under ₹5 lakh for advance (Form 31), EPFO's auto-settlement system processes it in under 72 hours. See EPFO auto-settlement guide.

Q. Is EPF interest taxable?
EPF interest is tax-free up to ₹2.5 lakh per year in contributions (Budget 2021, Rule 9D). Contributions above ₹2.5 lakh/year earn taxable interest. See EPF interest taxable above ₹2.5 lakh — Rule 9D.

Q. What is the current EPF interest rate for FY 2025-26?
The rate is 8.25% for FY 2024-25 (notified by the government; credited in April 2025). For FY 2025-26, the rate is typically announced by February 2026. See EPF interest rate explained.

Q. Can I withdraw PF for buying a house or flat?
Yes, under Para 68B of the EPF Scheme — Form 31 advance for housing. You can withdraw up to 90% of your PF balance (including employer share) if you're buying or constructing a house. The property must be registered in your or your spouse's name.

Q. My PF was withdrawn by someone else fraudulently — what do I do?
Immediately call EPFO helpline 14470, file a police FIR, and file an EPFiGMS grievance with the FIR copy. See EPFO PF withdrawal fraud recovery — India.

Q. Can I get my EPS pension from any bank branch after retirement?
Yes — EPFO's Centralized Pension Payment System (CPPS) allows EPS pensioners to draw their pension from any bank branch in India. See EPFO CPPS — EPS pension from any bank branch.

• RTI for a stuck PF withdrawal — full guide
• RTI for EPF employer not depositing
• RTI for EPF claim delayed
• RTI for EPF withdrawal delay 2026
• RTI for PF/pension delay
• RTI in 12 simple steps
• EPF balance check 2026 — all methods
• EPF PF claim status check 2026
• UAN activation and login guide 2026
• EPF Scheme 2026: new PF withdrawal rules explained
• EPF Form 31 advance withdrawal online
• Form 10C EPS pension withdrawal & scheme certificate
• PF transfer on job change — Form 13 auto-transfer
• Merge multiple UAN into one
• VPF vs PPF — which is better?
• EPFO auto-settlement PF advance ₹5 lakh in 72 hours
• EPF e-nomination — add/update nominee
• PF claim rejected without reason — India
• EPFO claim rejected — UAN KYC complaint
• EPF interest rate 8.25% explained
• EPFO PF withdrawal fraud recovery
• All helplines — central & state
• RTI forms + fees by state

Last reviewed: 10 July 2026. Verified against EPFO portal and epfindia.gov.in.