Provident Fund (PF)
PF is a retirement savings scheme run by the EPFO. Contributions are made from your wages and by the employer into your account, which is identified by a Universal Account Number (UAN). Keep the same UAN across jobs so your savings stay together.
ESI
ESI provides medical and cash benefits to eligible employees through the ESIC. Eligibility depends on wage limits and the establishment, so check the current rules with your employer or on the ESIC portal.
What you should check
- You have a UAN and can log in to the EPFO member portal
- Contributions appear in your passbook every month
- Your ESI card or IP number is issued if you are eligible
- Your pay slip shows deductions clearly
Official sources
Use epfindia.gov.in and esic.gov.in for current rules, and raise queries with your employer or the grievance portals if something looks wrong.
Frequently asked questions
What is a UAN?
A 12-digit Universal Account Number that stays with you across employers.
Who do I ask if contributions are missing?
Start with your employer or agency, then use the EPFO or ESIC grievance channels.