Employee Provident Fund
Track EPF across companies with passbook-style employee, employer, and pension amounts — current value builds from your transaction history.
Last reviewed 2026-07-23
Employee Provident Fund (EPF) tracking records passbook-style ledger activity for each company account. You add transactions (monthly contribution, interest, withdrawal, or lump sum); each row carries Employee, Employer, and Pension contribution amounts. Invesh derives current value, invested, interest, and period totals from that history.
Why it exists
Many people change jobs and keep EPF history across more than one employer. Invesh lets you track one company account per employer, switch between All companies and a single company, and see a financial-year summary alongside the transaction list.
How tracking works
| Concept | Meaning |
|---|---|
| Company account | One EPF account for one employer (company name + joining / account start date) |
| Transaction | A dated monthly contribution, interest, withdrawal, or lump sum with employee / employer / pension amounts |
| Employee | Sum of Employee amounts across transactions in scope |
| Employer | Sum of Employer amounts across transactions in scope |
| Pension | Sum of Pension contribution amounts — included in current value and shown as its own KPI |
| Interest | Sum of employee + employer amounts on Interest transactions (shown separately so you can see what EPF has earned) |
| Invested | Current value minus interest |
| Current value | Employee + employer + pension across credits, minus withdrawals (for the selected company or all companies) |
Transaction types in the form:
| Type | Use for |
|---|---|
| Monthly contribution | A passbook due-month row — enter employee, employer, and pension for that month |
| Interest | A passbook “Int. Updated” row — usually employee and employer only (pension often 0) |
| Withdrawal | Passbook withdraw amounts leaving each bucket (sign flips automatically) |
| Lump sum (opening / import) | Balances of all three buckets up to this date — enter employee, employer, and pension (0 allowed) |
Enter at least one amount greater than zero on every transaction. This is a transaction-based tracker. See Tracker behaviors: Employee Provident Fund.
What you need to start
- Company name
- Joining / account start date
Optional reference fields (UAN, Member ID, Establishment ID, description) help you recognise the company later. Passbook contribution amounts are optional at setup — you can skip the first transaction and add data from the dashboard.
Dashboard surfaces
- Company switcher — All companies or one company; Add company from the same menu
- Hero KPIs — Current value (or Total current value for all companies), Invested, Interest (with percent when available), Employee, Employer, and Pension
- FY-wise summary — opening, employee, employer, lump sums, interest, withdrawals, pension, and closing by financial year
- Invested vs current chart — after you have at least one transaction that affects value
- Transaction table — date, type, Net (employee + employer + pension), Employee, Employer, Pension, optional description; All companies shows a Company column
On small screens, Employee, Employer, Pension, Balance, Description, and Company are hidden by default (you can show them from column customize).
Keeping values current
- Add a Monthly contribution when you record a passbook due-month line
- Record Interest from the passbook Int. Updated row — Invesh does not invent interest for you
- Use Lump sum (opening / import) when you need opening or catch-up balances for all three buckets
- Edit or delete a transaction to correct history — current value and FY totals follow the ledger
- You can skip the first transaction during setup and add data later from the dashboard
Related
- How-to: Add an investment account
- How-to: Add an EPF transaction
- Overview: Add a snapshot or holding
- Artha — assisted create company account and transaction review