Donât know your UAN? You can still check your PF account; hereâs how File photo In the pandemic, some people have had their salaries slashed while many have lost their jobs. For the latter, one bright spot is their earnings in the Provident Fund (PF) account. The Employeesâ Provident Fund Organization (EPFO) is Indiaâs largest social security organization. Under the EPFO scheme, an employee contributes 12 percent of basic wages plus dearness allowance from his/her salary every month towards EPF. The employer has to make a similar contribution. As per the PF withdrawal norms, an EPF account subscriber can opt for withdrawal in certain conditions such as job loss, repayment of a home loan, buying a home or home renovation, and others.