💡 PF contributions are not directly deposited into your personal bank account each month.
Here’s what really happens:
📌 1. PF Goes Into Your EPF Account
When your employer deducts PF from your salary (and also makes their matching contribution), both amounts are sent electronically to your EPF account with EPFO. You can’t see these monthly deposits in your bank — they go straight into the EPF ledger maintained by EPFO.
📌 2. Your bank Account Only Gets Money When You Withdraw
You’ll receive PF money in your linked bank account only when you apply for withdrawal or settlement — such as when you resign, retire, or transfer funds. That’s why it’s important to ensure your correct bank account number is linked to your EPF account.
👉 If your bank details aren’t correctly saved or verified in EPF records, your withdrawal payment can be delayed or fail.
📊 How to Check If Your PF Deposits Are Happening
Even though money doesn’t go into your bank until withdrawal, you can track your EPF contributions online.
📍 1. view Your EPF Passbook Online
Your EPF passbook shows all contributions made by you and your employer, and interest credited. You can view/download it via:
- The Passbook section on the EPFO member portal
- The UMANG app (Unified mobile App for New Governance)
Login with your Universal Account Number (UAN) and registered mobile number.
📍 2. Check via SMS
- Send an SMS in this format from your UAN‑linked mobile number:
EPFOHOENG (you can replace ENG with your language code) - Send it to 7738299899 to receive your balance and last deposit details via SMS.
📍 3. Missed Call Service
Give a missed call from your UAN‑registered mobile to 011‑22901406 — you’ll get an SMS with PF balance details.
📍 4. EPFO Portal e‑Services
You can log in at the EPFO official site and check services like:
- Monthly contribution history
- Passbook details
- Claim or withdrawal status
This gives a comprehensive view of deposits made into your EPF.
🏦 Why Linking bank & KYC Is Important
To receive PF money into your bank account when withdrawing:
✅ Your bank account must be linked and verified with your UAN/EPF account.
If not, withdrawal claims may be rejected or delayed.
You should also link:
- Aadhaar
- PAN
- Bank details
These help avoid errors or TDS issues when you withdraw your PF balance later.
📌 Quick Summary
Question
Answer
Where do EPF deposits go every month?
Into your EPF account with EPFO (not your bank).
When does money reach your bank?
Only when you withdraw the money and apply for payment.
How do you check PF deposit status?
Online passbook, SMS, missed call, or EPFO portal/UMANG app.
Essential details to link?
Bank account, Aadhaar, PAN with your EPF/UAN.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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