PF · All India
PF Benefits for Employees and Families
EPF membership combines retirement savings, pension support and employment-linked life insurance through EPF, EPS and EDLI.
Three linked social-security benefits
| Scheme | Purpose | Main funding |
|---|---|---|
| EPF | Retirement savings with declared interest | Employee share and the EPF portion of employer contribution |
| EPS | Pension benefits subject to eligibility and service conditions | Part of the employer contribution |
| EDLI | Insurance benefit payable to eligible nominees or legal heirs after death in service | Employer contribution |
Practical benefits during and after employment
- Transfer of the EPF balance when employment changes, generally through the UAN-linked account.
- Permitted advances or partial withdrawals for specified purposes and subject to scheme conditions.
- Final settlement when the applicable conditions are met.
- Monthly pension or other EPS benefits when service and eligibility requirements are satisfied.
- Death-related EPF, pension and EDLI claims for eligible nominees or family members.
Benefit eligibility, amount and documentation depend on service history, wages, nomination, KYC and the scheme provisions in force when the claim is made.
Employer actions that protect employee benefits
- Create or link the correct UAN.
- Deposit contributions against the correct member and wage month.
- Maintain accurate joining and exit dates.
- Support KYC, nomination, transfer and claim verification.
- Give nominees access to employment and contribution records after a member's death.
Frequently asked questions
- What are the main benefits of PF?
- The main benefits are EPF retirement savings, EPS pension support and EDLI insurance, along with eligible transfers, advances and claims.
- Does an EPF account earn interest?
- EPF balances receive interest at the rate declared for the relevant financial year, subject to the scheme and tax rules.
- Can PF be transferred after changing jobs?
- Yes. A member can normally transfer the balance and service details to the new employment using the UAN-linked process.
- Who receives PF benefits after an employee dies?
- Eligible nominees or legal heirs may claim the EPF balance and applicable EPS and EDLI benefits, subject to scheme conditions and documents.
Sources & references
Last Updated: 2026-10-02
Information is based on applicable laws, rules, notifications and government sources and should be verified for the latest amendments.
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