PF registration is the process of enrolling employees in the Employees' Provident Fund scheme, a mandatory pension scheme for organizations with 20 or more employees in India. Key requirements for registration include documents establishing the employer/employees' identity and employment. A Universal Account Number is generated for each employee to track their EPF account across jobs. Employers must register with PF authorities, collect employee information, generate UANs, and set up contribution percentages for employees and employers.

1. PF Registration
What is PF?
PF registration is the process of enrolling an employee in the Employees' Provident
Fund (EPF) scheme. The EPF scheme is a contributory pension scheme that
provides retirement benefits to employees in the organized sector in India.
The EPF scheme is mandatory for all establishments with 20 or more employees. If
an establishment has fewer than 20 employees, it may still be required to register for
PF if it falls under a specific category of establishments.
PF registration, also known as Provident Fund registration, is the formal process
through which a company or organization enrols itself and its eligible employees
under the Employees’ Provident Fund (EPF) scheme.
Benefits of EPF registration
• Tax benefits: The contributions made by both the employee and the
employer to the EPF account are eligible for tax deduction under Section 80C
of the Income Tax Act, 1961. This means that you can save up to Rs. 1.5
lakhs in your EPF account every year and reduce your taxable income.
• Guaranteed returns: The EPF account earns a fixed interest rate, which is
declared by the Employees' Provident Fund Organisation (EPFO) every year.
The interest rate for the financial year 2022-23 is 8.10%. This means that your
EPF account balance will grow steadily over time.
• Portability: The EPF account is portable, which means that you can transfer
your EPF balance from one employer to another. This is helpful if you change
jobs frequently.
• Loan facility: You can avail a loan against your EPF balance in case of
financial emergency. The loan amount is limited to 90% of your EPF balance,
and the interest rate is very low.
• Death benefit: In case of the death of an EPF account holder, the family
members are entitled to a death benefit. The death benefit is equal to the
balance in the EPF account, plus interest accrued.
• Pension: After retirement, you can withdraw the money from your EPF
account and use it to buy a pension plan. The pension plan will provide you
with a regular income after retirement.
• Easy to manage: The EPF account is managed by the EPFO, which is a
government-run organization. This means that your money is safe and
secure.
• Flexibility: You can choose to withdraw your EPF money after retirement, or
in certain other circumstances, such as for medical expenses or to purchase a
house.

2. • Convenient: You can access your EPF account online or through the EPFO's
mobile app.
Documents required for PF registration
For the employer:
• Establishment registration certificate
• PAN card of the establishment
• Aadhaar cards of all employees
• Bank account details of all employees
• Proof of identity of the employer
• Proof of address of the employer
For the employee:
• PAN card
• Aadhaar card
• Bank account details
• Proof of identity of the employee
• Proof of address of the employee
In addition to the above documents, the following documents may also be required
depending on the circumstances:
• Proof of employment
• Proof of contribution to EPF in the previous establishment
• Power of attorney
The documents can be submitted in physical form or scanned copies can be
uploaded online.
Who is Eligible for PF registration
The Employees' Provident Fund (EPF) scheme is mandatory for all establishments
with 20 or more employees in India. If an establishment has fewer than 20
employees, it may still be required to register for PF if it falls under a specific
category of establishments.

3. The following employees are eligible for PF registration:
• All employees whose basic salary (excluding dearness allowance) is less than
Rs. 15,000 per month.
• Employees who are not covered by any other pension scheme.
• Employees who are not self-employed.
The following employees are not eligible for PF registration:
• Employees who are employed in establishments with less than 20 employees.
• Employees who are employed in establishments that are not covered by the
EPF scheme.
• Employees who are self-employed.
• Employees who are covered by any other pension scheme.
If you are an employee and you are not sure if you are eligible for PF registration,
you can contact Legal Minions for clarification.
Process for PF Registration
1. Creating an Employer Account:
• Begin by registering the company with the relevant PF authority.
• Provide essential details about the establishment.
2. Employee Information Collection:
• Gather employee particulars required for PF contributions.
3. UAN Generation:
• Universal Account Numbers (UANs) are generated for employees to facilitate
contributions.
4. Contribution Setup:
• Configure the contribution percentage for both employees and employers.

4. UAN (Universal Account Number)
UAN stands for Universal Account Number. It is a 12-digit unique identification
number that is allotted to every employee who contributes to the Employees'
Provident Fund (EPF) scheme in India. The UAN is used to track the EPF account of
an employee throughout their career, even if they change jobs.
The UAN is generated by the Employees' Provident Fund Organisation (EPFO) and
is linked to the employee's Aadhaar number. The UAN can be used to access the
EPFO's online services, such as viewing the EPF account balance, making PF
contribution, and applying for a loan against the EPF balance.
The UAN is a very important number for employees who contribute to the EPF
scheme. It is important to keep the UAN safe and secure and to not share it with
anyone. If you lose your UAN, you can retrieve it by contacting the EPFO office.
Here are some of the benefits of having a UAN:
• It helps to track your EPF account throughout your career.
• It can be used to access the EPFO's online services.
• It makes it easier to change jobs without affecting your EPF account.
• It helps to prevent fraud and misuse of your EPF account.
If you are an employee who contributes to the EPF scheme, it is important to get a
UAN. You can get a UAN by registering with the EPFO or by contacting your
employer.
Here are the steps on how to find your UAN:
1. Go to the EPFO website.
2. Click on the "Member Services" tab.
3. Click on the "Know Your UAN" tab.
4. Enter your Aadhaar number and mobile number.
5. Click on the "Submit" button.
6. You will receive your UAN on your registered mobile number.
How can I know my PF registration number?
To find your PF (Provident Fund) registration number, follow these steps:
1. Check Payslips or Salary Slips: Your PF registration number is often
mentioned on your payslips or salary slips. Look for a section related to

5. Provident Fund contributions, and you should find your PF number mentioned
there.
2. Ask Your Employer: If you can't locate your PF number on your payslips,
reach out to your employer's HR department. They should be able to provide
you with your PF registration number.
3. Check Your UAN: If you have a Universal Account Number (UAN), which is a
unique identifier for your EPF account, you can log in to the EPFO portal and
access your UAN dashboard. Your PF number should be visible there.
4. Visit EPF Office: You can also visit the local EPF office with your personal
identification details and employment history. They can assist you in retrieving
your PF registration number.
5. Online EPF Portal: If your employer has provided you with an online EPF
portal login, you can access your PF account details, including your PF
number.
6. Contact EPFO: If none of the above methods work, you can contact the
Employees' Provident Fund Organisation (EPFO) helpline or customer
support. Provide them with your relevant details, and they should be able to
assist you in finding your PF registration number.