Is my payslip or passbook data uploaded anywhere?

No. The comparison runs entirely in your browser. Nothing is sent to GHR, nothing is stored, and there is no server-side copy. That is a deliberate design decision rather than a default: a passbook and a payslip together identify a person and their employer, and there is no reason for this site to hold that. You can verify it by disconnecting from the network after the page loads and running the comparison again.

Why does my passbook not show the last month or two?

This is the commonest false alarm. EPFO posts contributions to the month they relate to, but the employer files the ECR for a month in the following month, and the passbook updates after the return is processed. A statement downloaded mid-cycle will routinely be missing the most recent two to three months. The tool cannot correct for this, so check the dates before treating a recent month as a discrepancy.

My employer deducted PF and my passbook shows nothing at all. What does that mean?

It means the contribution does not appear in the record you supplied. There are several mechanical explanations and the tool lists them: the amount may have been posted against a different member ID, the ECR may have been filed late, the statement may be partial or cover a different period, or the statement may be a filtered view. What the difference does not establish, on its own, is that the money was not remitted. That question is answered by the ECR the establishment filed, which is a different document from the passbook.

PF is deducted on less than my full basic salary. Is that allowed?

PF is computed on 'PF wages', which is basic pay plus dearness allowance plus any other allowance that retains that character — not necessarily everything in your gross. An employer who has restructured a component out of PF wages may be doing something legitimate, or may not be, and that turns on the definition and on your contract. It is a question for advice, and it is one of the most common reasons a structure needs review.

The difference is the same amount every single month. What does that suggest?

A recurring, identical difference across three or more consecutive months is a pattern, and the tool elevates it to significant for that reason. Posting lags are irregular; a constant difference usually points at a payroll configuration that has not changed — most often the PF wage definition, or a component treated as PF-able in one record and not the other. It still is not a conclusion about anyone: it is a description of the data, and the answer is in the ECR.

What is the EPF and EPS split, and why does it differ between the two records?

The employer's 12% is a single payment that is attributed between the Employees' Pension Scheme and the Provident Fund. EPS takes 8.33% of wages up to the statutory ceiling, capped, and the balance stays in EPF. The split can legitimately differ between a payslip and a passbook where the employee's EPS membership status is recorded differently, or where a ceiling change fell inside the month.

The figures match. Does that mean everything is fine?

It means the two records agree on the fields you supplied, which is a genuinely useful thing to know and rules out a whole class of problem. It does not mean the PF wage was computed correctly, that the correct employees were included, or that any other statutory obligation was met. This tool compares two documents; it does not audit a payroll.

Can I use this for a period with a previous employer?

Yes, if you have the payslips for it. Note that contributions for that period may sit against a different member ID, and the tool keys on the month. If a month appears in one record and not the other, check whether the previous employment was ever linked to your UAN before concluding anything — an unlinked member ID produces exactly this pattern.

Is my payslip or passbook data uploaded anywhere?

No. The comparison runs entirely in your browser. Nothing is sent to GHR, nothing is stored, and there is no server-side copy. That is a deliberate design decision rather than a default: a passbook and a payslip together identify a person and their employer, and there is no reason for this site to hold that. You can verify it by disconnecting from the network after the page loads and running the comparison again.

Why does my passbook not show the last month or two?

This is the commonest false alarm. EPFO posts contributions to the month they relate to, but the employer files the ECR for a month in the following month, and the passbook updates after the return is processed. A statement downloaded mid-cycle will routinely be missing the most recent two to three months. The tool cannot correct for this, so check the dates before treating a recent month as a discrepancy.

My employer deducted PF and my passbook shows nothing at all. What does that mean?

It means the contribution does not appear in the record you supplied. There are several mechanical explanations and the tool lists them: the amount may have been posted against a different member ID, the ECR may have been filed late, the statement may be partial or cover a different period, or the statement may be a filtered view. What the difference does not establish, on its own, is that the money was not remitted. That question is answered by the ECR the establishment filed, which is a different document from the passbook.

PF is deducted on less than my full basic salary. Is that allowed?

PF is computed on 'PF wages', which is basic pay plus dearness allowance plus any other allowance that retains that character — not necessarily everything in your gross. An employer who has restructured a component out of PF wages may be doing something legitimate, or may not be, and that turns on the definition and on your contract. It is a question for advice, and it is one of the most common reasons a structure needs review.

The difference is the same amount every single month. What does that suggest?

A recurring, identical difference across three or more consecutive months is a pattern, and the tool elevates it to significant for that reason. Posting lags are irregular; a constant difference usually points at a payroll configuration that has not changed — most often the PF wage definition, or a component treated as PF-able in one record and not the other. It still is not a conclusion about anyone: it is a description of the data, and the answer is in the ECR.

What is the EPF and EPS split, and why does it differ between the two records?

The employer's 12% is a single payment that is attributed between the Employees' Pension Scheme and the Provident Fund. EPS takes 8.33% of wages up to the statutory ceiling, capped, and the balance stays in EPF. The split can legitimately differ between a payslip and a passbook where the employee's EPS membership status is recorded differently, or where a ceiling change fell inside the month.

The figures match. Does that mean everything is fine?

It means the two records agree on the fields you supplied, which is a genuinely useful thing to know and rules out a whole class of problem. It does not mean the PF wage was computed correctly, that the correct employees were included, or that any other statutory obligation was met. This tool compares two documents; it does not audit a payroll.

Can I use this for a period with a previous employer?

Yes, if you have the payslips for it. Note that contributions for that period may sit against a different member ID, and the tool keys on the month. If a month appears in one record and not the other, check whether the previous employment was ever linked to your UAN before concluding anything — an unlinked member ID produces exactly this pattern.

EPF passbook vs payslip mismatch checker

Put your payslip PF figures beside your passbook entries, month by month. The tool shows exactly where the two records differ, and the mechanical reasons that explain most differences.

Rules last verified 2026-10-01

This is an information tool, not advice. It performs the arithmetic and the screening you see below on the information you give it. It does not decide whether a position is lawful, compliant or correct, it is not a substitute for professional advice, and GHR assumes no duty of care to you in respect of it.

Your payslip and passbook stay on your device.

Everything below runs in your browser. Nothing is uploaded, nothing is stored on a server, and no figure you enter is sent to analytics. A payslip and a passbook together identify you and your employer, and this site has no reason to hold either. You can clear everything with one button at the bottom of the page.

Payslip / salary register

Month	PF wage	Employee	Employer	EPS	EPF	Remove

No months yet. Add one for each month you want to compare — twelve months is typical, and the comparison is more useful across a full year than across two months.

0 months ready to compare

EPF passbook

Month	PF wage	Employee	Employer	EPS	EPF	Remove

No months yet. Add one for each month you want to compare — twelve months is typical, and the comparison is more useful across a full year than across two months.

0 months ready to compare

Both records need at least one month before they can be compared.

The expectation this tool uses is 12% of the PF wage restricted to the statutory ceiling. An establishment with an exemption, a higher voluntary contribution, or a different PF wage definition will legitimately differ, and those differences are listed among the possible explanations rather than being treated as errors.

How the comparison works

You give the tool two independent records of the same months: what the payslip says was deducted, and what the passbook says was credited. It aligns them on the wage month, computes the difference for each month and each field, and reports them by severity.

Severity is computed rather than asserted. A small, one-off difference is informational— usually rounding or a posting that straddles a month end. A difference over five per cent, or over ₹200, is review. A whole month present in one record and absent from the other, or the same difference repeating across three or more consecutive months, is significant. The repetition matters: a posting lag is irregular, and a constant difference is a configuration.

Where a payslip shows a PF wage, the tool also checks the passbook figure against 12% of that wage restricted to the ceiling that was in force for that specific month. That is where the split month is handled: September 2026 carried two ceilings, so the tool flags the month rather than reporting a difference it cannot interpret.

Why a payslip and a passbook legitimately differ

Most differences are mechanical, and knowing the list stops a suspicion becoming a conclusion:

Posting lag. Payroll deducts in the month it pays. The employer files the ECR for that month in the following month, and EPFO posts it after processing. A statement downloaded mid-cycle routinely lacks the most recent two to three months.
Payment in arrears. Where wages are paid in arrears, the month the deduction appears in the payslip is not the wage month it relates to.
A different member ID. Contributions for an earlier employment may sit against a member ID that was never linked to the current UAN. The passbook for the current ID will simply not show them.
A revised ECR. Where a return was revised, the corrected amount is a second posting for the same month.
A different PF wage.PF is computed on basic pay plus dearness allowance plus allowances that retain that character — not on everything in gross. An employer that has restructured a component out of PF wages produces a real, and possibly lawful, difference.
Voluntary contributions. An employee on VPF has a legitimately higher payslip deduction, and the passbook may not separate the voluntary part.
The EPS split.The employer’s 12% is one payment attributed between EPS and EPF. Different EPS membership records on the two sides will show as a difference in one of them and not the other.

What a difference does not tell you, on its own, is that anything was withheld. That question is answered by the ECR the establishment filed — a different document from the passbook, and one you are entitled to ask for.

A worked example

A member earns ₹18,000 basic. The payslip shows a PF wage of ₹18,000 and an employee contribution of ₹2,160 through the year. The passbook shows ₹2,160 for April to October, nothing for November and December, and ₹1,800 for January onwards.

Three distinct things, and the tool separates them:

November and December — significant. A whole month in one record and absent from the other. The first thing to check is not the employer but the statement: whether it was downloaded before those months were posted, and whether it covers the full period.
January onwards — a sustained difference of ₹360 a month.That is 12% of ₹3,000, which points at the PF wage rather than at the rate: something worth ₹3,000 was treated as PF-able in the payslip and not in the ECR, or the reverse. Being identical across consecutive months is what elevates it — a lag does not behave like that.
April to October — no finding. The two records agree, which is worth knowing: it means the arrangement was working before November, and that narrows when to look.

The report says exactly that much and no more. It does not say the employer under-deposited, because the same pattern is produced by a legitimate restructuring that the member was not told about, and by a statement that is simply stale. The next step is a specific one: ask for the ECR for the months in question and compare the PF wage column against the payslip.

What happens to your documents

Nothing is uploaded. The parsing, the column mapping and the comparison all run in your browser, and the data lives in the page’s memory until you close the tab. There is no server-side copy, nothing is written to storage, and no figure you enter is sent to analytics — the events this tool emits record only that a comparison happened and how many months it covered.

That is a deliberate constraint rather than a convenience. A payslip and a passbook together identify a person, their employer and their salary, and a tool whose entire purpose is to help someone who suspects a problem with their employer has no business holding any of it. You can confirm the claim by disconnecting from the network after the page loads: the tool keeps working.

Who this tool is for

An employee who has noticed a gap between the two records and wants to know whether it is worth raising, and what to ask for if it is.
An HR or payroll executive asked to explain a difference, who needs the mechanical explanations separated from the genuine ones before answering.
A consultant or accountant running the same check across several employees, who needs a dated, exportable schedule rather than a recollection.

The situations this tool was built for

PF was deducted and the passbook shows nothing at all for those months.
The passbook shows less than the payslip, by a similar amount each month.
The passbook is missing the most recent two or three months.
The employee changed jobs and the earlier contributions are not in the current passbook.
The EPS and EPF split differs between the two records.
The employer was asked about it and said everything had been filed.

Where the cause turns out to be an employer-side field rather than a remittance — a date of exit that was never marked, a KYC that was never approved — the EPF claim rejection analyzer is the tool to run next. If the ECR itself was rejected when it was filed, the ECR error code decoder covers the 60 published EPFO error codes.

Questions people actually ask

Is my payslip or passbook data uploaded anywhere?: No. The comparison runs entirely in your browser. Nothing is sent to GHR, nothing is stored, and there is no server-side copy. That is a deliberate design decision rather than a default: a passbook and a payslip together identify a person and their employer, and there is no reason for this site to hold that. You can verify it by disconnecting from the network after the page loads and running the comparison again.
Why does my passbook not show the last month or two?: This is the commonest false alarm. EPFO posts contributions to the month they relate to, but the employer files the ECR for a month in the following month, and the passbook updates after the return is processed. A statement downloaded mid-cycle will routinely be missing the most recent two to three months. The tool cannot correct for this, so check the dates before treating a recent month as a discrepancy.
My employer deducted PF and my passbook shows nothing at all. What does that mean?: It means the contribution does not appear in the record you supplied. There are several mechanical explanations and the tool lists them: the amount may have been posted against a different member ID, the ECR may have been filed late, the statement may be partial or cover a different period, or the statement may be a filtered view. What the difference does not establish, on its own, is that the money was not remitted. That question is answered by the ECR the establishment filed, which is a different document from the passbook.
PF is deducted on less than my full basic salary. Is that allowed?: PF is computed on 'PF wages', which is basic pay plus dearness allowance plus any other allowance that retains that character — not necessarily everything in your gross. An employer who has restructured a component out of PF wages may be doing something legitimate, or may not be, and that turns on the definition and on your contract. It is a question for advice, and it is one of the most common reasons a structure needs review.
The difference is the same amount every single month. What does that suggest?: A recurring, identical difference across three or more consecutive months is a pattern, and the tool elevates it to significant for that reason. Posting lags are irregular; a constant difference usually points at a payroll configuration that has not changed — most often the PF wage definition, or a component treated as PF-able in one record and not the other. It still is not a conclusion about anyone: it is a description of the data, and the answer is in the ECR.
What is the EPF and EPS split, and why does it differ between the two records?: The employer's 12% is a single payment that is attributed between the Employees' Pension Scheme and the Provident Fund. EPS takes 8.33% of wages up to the statutory ceiling, capped, and the balance stays in EPF. The split can legitimately differ between a payslip and a passbook where the employee's EPS membership status is recorded differently, or where a ceiling change fell inside the month.
The figures match. Does that mean everything is fine?: It means the two records agree on the fields you supplied, which is a genuinely useful thing to know and rules out a whole class of problem. It does not mean the PF wage was computed correctly, that the correct employees were included, or that any other statutory obligation was met. This tool compares two documents; it does not audit a payroll.
Can I use this for a period with a previous employer?: Yes, if you have the payslips for it. Note that contributions for that period may sit against a different member ID, and the tool keys on the month. If a month appears in one record and not the other, check whether the previous employment was ever linked to your UAN before concluding anything — an unlinked member ID produces exactly this pattern.

Sources

EPFO Unified Member Portal — passbook — the passbook that shows what EPFO has actually credited, month by month https://unifiedportal-mem.epfindia.gov.in/memberinterface/
EPFO Unified Employer Portal — where the ECR is filed — the document that answers what was actually reported https://unifiedportal-emp.epfindia.gov.in/publicPortal/no-auth/empLogin
EPFiGMS — EPFO grievance management — the route where a difference is not explained by posting lag https://epfigms.gov.in/
The EPF wage ceiling, held as a dated rule — read from this site's rules engine, with both versions — ₹15,000 to 16 September 2026 and ₹25,000 from 17 September 2026 — so the ceiling applied to each month is the one that actually applied, and the tool shows which version it used
EPF Scheme 2026 and the EPF & MP Act, 1952 — the EPF Act is NOT repealed — it is item 3 of the Social Security repeal schedule and the only express omission from S.O. 5319(E). The Scheme continues under the one-year saving in s.164(2)(b) to 21 November 2026

Where an official source could not be retrieved or read, this page says so instead of citing a substitute. A figure whose citation cannot be produced is a figure this site will not publish.

Request a PF reconciliation review

GHR reconciles payroll against PF returns for Kerala employers. Where a difference recurs, it is almost always a payroll configuration, and that is fixable in one pass.

Request a PF reconciliation review All GHR tools

Important — please read before relying on this

This calculator is a self-help information tool. It is not legal, tax, accounting, payroll or other professional advice, and it is not an opinion of any kind. GHR Consultancy is not acting for you, and no adviser, client, fiduciary or other professional relationship is created by using it.

The tool and everything it produces are provided as is and as available, without any representation, warranty or guarantee of any kind, express or implied, including as to accuracy, completeness, correctness, reliability, fitness for a particular purpose or freedom from error. GHR does not represent that the statutory position stated is current, complete, or applicable to your establishment.

The output is not a compliance certificate, clearance, approval, verification, audit or determination of any kind. It must not be relied upon and must not be used as a substitute for advice from a qualified professional. GHR assumes no duty of care to you or to any other person in respect of it. Any reliance you place on it is entirely at your own risk.

In particular, it does not:

determine whether any contribution was withheld, misappropriated or not remitted, or that any person has acted unlawfully;
decide whether a difference is recoverable, from whom, or over what period;
audit a payroll, or verify the figures you enter;
take account of any establishment exemption, higher voluntary contribution, or PF wage definition different from the statutory one; or
constitute a complaint, a notice or correspondence on your behalf.

The position stated on this page is stated as at 2026-10-01. Statutory positions change, sometimes with retrospective effect, and GHR does not undertake to update this page. Do not assume it reflects the law at any later date.

To the fullest extent permitted by law, GHR Consultancy and its partners, employees and agents exclude all liability for any loss, damage, cost or expense of any kind — including indirect or consequential loss, loss of profit, and any regulatory, statutory or contractual consequence — arising out of or in connection with the use of, or reliance on, this tool or anything it produces, whether in contract, tort (including negligence), statute or otherwise.

If you need a determination for your establishment, that is a separate professional engagement and the only basis on which GHR can advise you. Obtain professional advice before acting on anything shown here.

These terms are governed by the laws of India, and the courts at Kerala have exclusive jurisdiction.

Page last reviewed 2026-10-01. Every statutory figure used on this page is held as a dated, sourced rule with an effective window and a notification reference. See how the rules engine works.