Possible Reasons for Lower Credit.
- The employer may have delayed or underpaid the monthly contribution.
- Contributions might have been calculated on a reduced basic wage.
- Interest may not have been updated yet for the financial year.
- Employer’s share toward pension (EPS) is not shown in the EPF balance.
- Errors in data entry or technical glitches could result in partial credit.
Steps to Verify the Issue.
- Compare the monthly deductions shown in your salary slip with your EPF passbook.
- Check if the latest contribution reflects both employee and employer shares.
- Confirm whether interest for the year has been posted to your account.
- Review previous months to ensure that no entries are missing.
- Note the exact discrepancy amount and the period it relates to.
Employer’s Role in Correction.
- Report the issue to your HR or payroll department for internal verification.
- Ask the employer to confirm the monthly remittance and contribution report.
- The employer can submit a revised ECR if a short payment has occurred.
- Delayed contributions may reflect in the passbook after some time.
- Ensure the UAN is correctly linked to your employment record.
When to Escalate the Matter.
- If the discrepancy is not resolved within a reasonable time.
- If your employer is unresponsive or denies short payment.
- If regular deductions are shown in your salary but not credited in EPF.
- You may escalate the issue to the concerned regional EPF office.
- A formal complaint can be filed with complete details and supporting documents.
Important Points to Monitor.
- Keep a monthly record of your salary slips and EPF credits.
- Ensure your KYC details are updated to avoid processing errors.
- Track the annual interest posting typically done after the financial year end.
- Regularly access your EPF passbook to catch discrepancies early.
Follow up until the correction is reflected in your passbook balance.



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