# How to check if your PF is deposited monthly 2026-09-15T00:02:11+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet Employees can check whether their employer is depositing Provident Fund contributions every month through the EPFO member portal or the UMANG app. A deduction in the salary slip does not guarantee the money has reached the EPF account. The employer must remit both the employee's share and its own 12% contribution within 15 days of month-end. To verify, log into the EPFO Member Passbook using the Universal Account Number and select the relevant Member ID. The passbook shows the employee contribution, employer contribution and EPS entry. Compare each month's entry with the salary slip. Missing contributions should first be raised with the HR department. If the issue persists, a complaint can be filed on the EPFiGMS portal. Delayed deposits attract penal interest and damages for the employer, but the employee does not lose any interest due. The current EPF interest rate is 8.25% per annum. ## Indian Opinion Analysis A salaried employee has no direct control over whether their employer actually remits the deducted PF amount to the EPFO. The employer is the sole intermediary. The mismatch risk is highest in small and medium firms where cash flow is tight. An employer who deducts but does not deposit faces penal interest under Section 7Q and damages under Section 14B of the EPF Act. The employee's own interest is never reduced because of the delay. The practical constraint is that the grievance process takes months. The next step is to verify the passbook entry for July salary now. ## Coverage - livemint.com Tags: EPFiGMS, EPFO, provident fund, UAN, UMANG Canonical: https://indianopinion.org/how-to-check-if-your-pf-is-deposited-monthly/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/how-to-check-if-your-pf-is-deposited-monthly/#story-in-brief