What EPFO does

A savings account funded jointly by employee and employer contributions every month, growing with government-declared interest, meant to be drawn down mainly at retirement — though partial advances are allowed for specific needs like housing, illness or education.

A share of the employer's contribution is routed to a separate pension fund, which pays a monthly pension after a qualifying period of service, independent of the withdrawable PF balance.

A linked insurance scheme that pays a lump sum to a member's nominee if the member dies while in service.

EPFO One is a redesign prototype built for a hackathon — not the official EPFO portal. For real account access, use the government's own site.