The document discusses government to citizen (G2C) e-commerce services, specifically knowing one's employee provident fund balance online. It provides background on provident funds and the traditional process for checking balances, which involved contacting one's employer. Now, citizens can check their provident fund balance and download passbooks online through the Employee Provident Fund Organization's website. The summary outlines the step-by-step process to register on the website and download a provident fund passbook, providing online access in 3 easy steps.

1. National Institute of Fashion Technology
E-COMMERCE
G2C MINI PROJECT
e-Educational Services
Submitted in partial fulfillment of the degree of
Bachelor of Fashion Technology
Semester V
SUBMITTED TO: SUBMITTED BY:
PROF.RAGHURAM JAYARAMAN SUNANDA GHORAI
SHUBHAM SINGH
SHREYA CHAUDHURY

2. EXECUTIVE SUMMARY
 Introduction to Government to Citizen or Government to
Consumer.
 Our topic is: Knowing Employee Provident Fund balance
through online.
Earlier it was very difficult to know the balance of our own account but
as e commerce is being used these days very much it is much more
easier and convenient for the consumers. It create good and
transparent relationship between the government and the consumers.

3. E-GOVERNMENT:
E-government consists of the digital interactions between a citizen and their government,
between governments and government agencies, between government and citizens,
between government and employees, and between government and businesses/commerce.
E-Commerce or Electronics Commerce business models can generally categorized in following
categories.
 Business - to - Business (B2B)
 Business - to - Consumer (B2C)
 Consumer - to - Consumer (C2C)
 Consumer - to - Business (C2B)
 Business - to - Government (B2G)
 Government - to - Business (G2B)
 Government - to - Citizen (G2C)
Government - to - Citizen (G2C)
The goal of G2C is to provide one-stop, online access to information and services to individuals.
Citizens should be able to find and access what they need quickly and easily.
The category of e-government that focuses on interactions between government and citizens to
support transactions such as tax payment, licenses, and obtaining passports.
G2C interactions can allow citizens to be more informed about government laws, regulations,
policies, and services. For the citizen, e-government can offer a huge range of information and
services, including government forms and services, public policy information, employment and

4. business opportunities, voting information, tax filing, license registration or renewal, payment
of fines, and submission of comments to government officials.
Government uses G2C model website to approach citizen in general. Such websites support
auctions of vehicles, machinery or any other material. Such website also provides services like
registration for birth, marriage or death certificates. Main objectives of G2C website are to
reduce average time for fulfilling people requests for various government services.
Here we have worked on Employees Provident Fund:
TRADITIONAL WAY:
A compulsory, government-managed retirement savings scheme used in India, Hong Kong,
Singapore, Malaysia, Mexico and other countries that is similar to the United States’ Social
Security program. It is run by a government for the benefit of its citizens. A provident fund is a
form of social safety net into which workers must contribute a portion of their salaries and
employers must contribute on behalf of their workers. The money in the fund is then paid out
to retirees, or in some cases to the disabled who cannot work.
Provident fund specifics vary widely by country, but in general their purpose is to provide
financial support for those who meet the plan’s defined retirement age. Governments set the
age limit at which withdrawals are allowed to begin (penalty-free), though some pre-retirement
withdrawals may be allowed under special circumstances, such as for medical emergencies. In
Swaziland, for example, provident fund benefits can be claimed as early as age 45. Each
provident fund sets its own minimum contribution level for workers and employers, which may
vary depending on the worker’s age. Some funds allow individuals to contribute extra to their
benefit accounts and allow employers to contribute extra for their employees.
If a worker dies before receiving benefits, his or her surviving spouse and children may be able
to receive survivors' benefits from the provident fund. Some countries also allow individuals to
receive an early payout if they emigrate to another country. Those who work past the minimum
retirement age may face restricted withdrawals until full retirement.
Unlike U.S. Social Security, some countries’ provident fund accounts are held in individual
members’ names. Instead of younger workers paying into a communal account, individuals get
back the money they contributed to their own accounts plus interest or investment returns. In
this regard, a provident fund resembles the U.S. concept of a 401(k), except that the money in
provident funds is held by the government, not by a private financial institution. Also, the
government, or a provident fund board - not the workers - largely or entirely chooses how

5. provident fund contributions are invested. Some countries, such as Singapore, guarantee
workers a minimum return on their provident fund contributions.
While the use of private savings accounts have grown in popularity, publicly administered
retirement accounts remain important in both developing and developed economies. Societies
in the developing world, for example, are still catching up with the rapid rise in industrialization,
movement of citizens to urban areas from rural ones and changing family structures. In
traditional Asian societies, for example, the elderly were provided for by their extended
families. Declining birth rates, widely dispersed families and longer life expectancies have made
maintaining this extended safety net difficult, and governments have stepped in to provide long
term financial planning.
Provident funds are different than sovereign wealth funds, which are funded through royalties
obtained from the development of natural resources.
Procedure for PF registration
The following forms are to be filed for registering the establishment:
1. A Detailed Application for termed as “ Performa for coverage”
2. Form 5 A with Annexure I
Information required for filling up forms
1. Name of The Company
2. Postal Address, Telephone No and Email Address
3. Details of Director/ Managing Director/ Partners – Address, Ph. No, email ID
4. Details of Authorized Signatory (in case whose is signing in the place of Director)
5. Nature and Date of Commencement of Business
6. Date of Joining of Employees, Father Name, DOB
7. Salary, PF Statement and Bank Account Details of the Company
Documents required for filling up the Forms
1. Incorporation Certificate of Company in case of private limited company and Certificate of
Registration of Firm in case of Partnership Firm.
2. MOA & AOA in case of Private Limited Company and Partnership Deed in case of Partnership
Firm.
3. Rental Agreement/ Lease Agreement of Company
4. Company/ Firm PAN Card
5. Address Proof of Director/Partners – Lease / Rental Agreement
6. ID Proof of Director/ Partners – Pan Card / Election Card/ Passport/ Driving License
7. List of Directors/ Partners
8. Registration copies with other Departments like. VAT, PT, Labour dept.
9. First Invoice raised from the company/ Firm
10. True copy of Board resolution empowering company representatives as Authorised signatories

6. Once documents are filed the PF Authorities carry out a physical inspection of the premises and
verify all original documents. On satisfaction, the business is granted with a PF allotment letter.
Withdrawal of Provident Fund and Pension Fund
 A member is eligible to apply for withdrawing his provident fund and pension fund only after 2
months from the date of resignation, provided that he / she is not employed during the said 2
months.
 The member should submit Form 19 to withdraw his provident fund dues on leaving
service/retirement/termination.
 To claim pension, the member is required to submit Form 10 C.
 The member needs to fill in Forms 19 and 10C and get it signed from the previous employer and
submit it to the provident fund office (in many cases, the employer will themselves help by
submitting the forms).
 Normally, it takes about 40 days to have the monies credited to the bank account of the
member after submission of the relevant forms.
On many occasions, members face problems in withdrawing the provident fund monies. Some
of the normal reasons for the problems are quoted here below:
 Mismatch of Signature of the employer/ Member
 Mismatch of Signature of the member
 Mismatch of Provident Fund Account number of the member
 Incorrect bank account details furnished by the member
 Incorrect address given by member
 Mismatch of date of joining / resignation
 Communication from PF department while processing the request would not have reached the
employer
 Failure of employer to remit the PF amount recovered from members to PF Account
 Member might have changed his / her official name and the same has not been informed to the
provident fund office
 Change in Authorised Signatory of the employer when the application is in process
Transfer of Provident Fund monies from previous employer to current employer
A resigned employee who joins another company is left with an option of transferring the PF
monies from his previous PF account to the current PF account, by filling the Form 13.
Form 13
 When an employee joins new company and he wishes to transfer his previous company
provident fund amount, he should inform the HR department or Accounts department of the
new company.
 The employer will issue Form 13, in which the member has to fill the details of previous
company like – name, address, provident fund account number and address of the provident
fund office where the account was held.
 On form 13, the signature of the previous employer is not required.
 Once he fills the required details and submit it to the current employer, the current employer
will forward it to the provident fund office for transferring process.
 The time taken for transferring the fund from one account to other account normally takes
about 40 days from date of submission.
Problem during Transfer of Monies

7. In the case of transfer and when the previous employer is an exempt establishment (which
means, having own PF trust), the procedures is that the current employer should forward the
transfer form (Form 13) to the previous employer who will process a cheque (after validation)
in favour of PF office of the current employer and it will be sent to the current employer. It
becomes the responsibility of the current employer to submit the cheque along with a request
letter to the PF office for transferring the monies. Here, the normal problems that might occur
are:
 previous employer might have changed their address
 Documents lost in transit / do not reach the concerned department
delay in processing the application for reasons like tedious internal processing procedures,
processing person is on vacation / busy on some other assignments, signatory not available etc
Advances from PF Account
The members are eligible to withdraw monies as advances from their PF Account for purposes
like marriage, education, medical treatment etc, subject to the prescribed conditions as
mentioned here below. Note that the said advance is totally tax-free and interest-free.
How to know balance of provident fund?
Provident Fund account is personal savings and we have the right to know that at any given
point of time. But the good question is how to know that? First thing that can be done is one
can walk up to the HR department in the organization and ask for the balances in ourProvident
Fund account. You ought to know that they receive an annual statement of the funds
accumulated in the Provident Fund accounts held by the organization. So you might as well ask
for a copy of that.
E-COMMERCE WAY:
Now Employee Provident Fund Organization extends various online services. The
employees can benefit out of the following services.
1. PF account balance.
2. Download PF passbook.
3. File transfer claim.
4. Other services.
STEP-BY-STEP PROCESS TO DOWNLOAD PF PASSBOOK:

8. 1. Visit http://members.epfoservices.in/
2. If you are a first time user, you need to first register. Visit the link
http://members.epfoservices.in/employee_reg_form.php to register.
3. You need to fill up few personal details like name, mobile number, date of birth etc. Apart from
personal details, you need to select one document type (Pan, Voter ID card etc) from drop

9. down box and enter relevant document number (Pan, Voter ID card no.) in the text box given
below.
4. After filling up all details, user should click “GET PIN” option.
5. Within some minutes, user will get pin to his/her mobile. Then enter the pin in “ENTER
AUTHORIZATION PIN ” box which is available in the bottom of page. Do not forget to check
the “I AGREE” box available after disclaimer.
6. Once the user is successfully registered, go to login page. Enter your document and mobile
number, then click “SIGN IN”
7. Then in top left side of the webpage user needs to select “DOWNLOAD E PASSBOOK” option.
8. Details such as the state under which the establishment is covered, EPFO Office that maintains
the user's PF account, code number, account number and user's name. Enter all details and
then click “GET PIN”. If the passbook is available, the user will get a PIN on his/ her mobile
number. Note : The facility at present is only for the members for whom the employer has
uploaded the Electronic Challan Cum Return for the wage month of May 2012 onwards.
9. Enter the pin (received through mobile) in “ENTER AUTHORIZATION PIN” box.
10. Finally user will get PF passbook and click “DOWNLOAD” to download passbook.
REFERENCES:
http://en.wikipedia.org/wiki/E-Government
http://vikaspedia.in/e-governance/online-citizen-services/government-to-
citizen-services-g2c/know-your-employee-provident-fund-balance-
through-online
http://www.tutorialspoint.com/e_commerce/e_commerce_business_models.htm