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Check Your PF Before It Costs You.
Hidden PF issues often stay unnoticed until a withdrawal is delayed or money goes missing. A quick check surfaces them early — and if something's off, we help you fix it
Trusted by thousands of Indian employees
Why are you checking your PF today?
Choose one to personalise your Health Check.
Know What Matters.
Your PF Health Check goes beyond checking your balance. It helps you understand whether your PF is complete, accurate and ready when you need it.
PF Health Score
See the overall health of your PF account based on key checks across identity, employment, contributions and claim readiness.
Employer Contributions
Identify missing, delayed or inconsistent employer contributions that may affect your savings.
Employment History
Find service history gaps, multiple UANs and employment records that may cause future issues.
Claim Readiness
Know whether your PF appears ready for withdrawal or whether something needs attention first.
Pension Review
Check whether pension-related records appear complete and consistent.
Recommended Actions
Receive clear next steps based on every issue identified during your Health Check.
Most PF Problems Stay Hidden.
Most people discover PF issues only after they need access to their money. That usually happens when they apply for withdrawal, change employers, or plan retirement. By then, fixing a hidden issue can take weeks. Checking today takes minutes.
See What You'll Receive.
Your report explains more than whether a problem exists. It explains what the problem means, why it matters and what you should do next.
Your PF Health
Analysis complete. 1 issue found.
Missing Exit Date
Your previous employment record is missing a Date of Exit. This will block your ability to transfer or withdraw these funds.
Update your Exit Date using the EPFO portal before applying for any withdrawal.
View EPFO instructionsIssues Found & Priority
Every identified issue organised by priority, so you know exactly what matters most.
Financial Impact
Understand how issues could affect your savings, withdrawal timeline, or pension.
Recommended Actions
Clear, step-by-step guidance for every single issue identified in your account.
EPFO References
Where applicable, recommendations are directly linked to official EPFO rules and guidance.
Built on Rules. Refined by Experience.
Your PF Health Check isn't based on guesswork. Every result is generated using EPFO rules, employment record analysis, contribution validation, and patterns learned from reviewing thousands of real PF accounts.
EPFO Rules
Every check is mapped to applicable EPFO processes and regulatory guidance where relevant.
Proprietary Rule Engine
Our Health Check evaluates multiple aspects of your PF together instead of reviewing records in isolation.
Real-World Experience
Built from thousands of PF reviews across industries, employers and employment histories.
Human Validation
Complex cases are continuously reviewed to improve detection logic and reduce false positives.
Privacy First
Your information remains strictly private. Your employer cannot access your Health Check or its results.
Continuous Improvement
Detection rules are updated immediately whenever regulations change or new issue patterns emerge.
"Anyone can compare PF numbers. Understanding whether those numbers indicate a problem requires context. We provide that context."
Check Before It's Too LateWhat We've Learned From Reviewing Thousands Of PF Accounts
Aggregated and anonymised insights help us understand where people most commonly face problems—and where awareness is improving. Based on 52,318 anonymised reviews (Jan–Jun 2026).
of reviewed accounts contained contribution inconsistencies.
contained multiple UAN-related issues causing fragmentation.
required KYC corrections before claims could proceed smoothly.
State of India's PF rejections
Understand Specific PF Problems
Your Health Check tells you whether a problem exists. The Issue Library explains what it means and how to resolve it.
Whatever We Find, You'll Know What To Do Next.
A Health Check isn't useful unless it helps you act with confidence. That's why every result ends with clear guidance.
Everything Looks Good
Your PF appears healthy. We'll explain what was checked and when you should review it again.
Minor Issues
You'll receive practical guidance to resolve issues yourself, along with links to relevant resources.
Complex Issues
If expert assistance is required, our specialists can help you understand your options and support you.
Frequently Asked Questions
Everything about the EPF Audit & PF Health Check
An EPF Audit is a comprehensive review of your Employees' Provident Fund (EPF) records to identify hidden issues that may delay withdrawals, transfers, pension claims, or nominee settlements. It analyses your UAN, KYC details, employer contributions, employment history, EPS records, Date of Exit, multiple UANs, and other EPFO records to ensure your account is complete, accurate, and claim-ready.
A PF Health Check is another name for an EPF Audit. Instead of simply showing your PF balance, it evaluates the overall health of your Provident Fund account by checking whether your identity, employment records, employer contributions, pension details, and EPFO records are accurate and free from issues that could affect future claims.
Yes. Checking your PF balance only shows how much money has been credited to your account. An EPF Audit goes much further by reviewing your employer contributions, KYC records, employment history, UAN details, pension records, and withdrawal readiness to identify hidden issues before they become claim or transfer problems.
A comprehensive EPF Audit reviews multiple parts of your Provident Fund account, including:
- UAN and member profile
- Aadhaar, PAN and Bank KYC
- Employer contribution history
- Employment and service history
- Multiple UAN detection
- Date of Joining and Date of Exit
- EPS (Employee Pension Scheme) records
- Claim and withdrawal readiness
- Common EPFO compliance issues
The objective is to identify hidden errors before they delay withdrawals, transfers, pension claims, or nominee settlements.
An EPF Audit can identify many of the issues that commonly delay EPFO claims, including:
- Missing or delayed employer contributions
- KYC mismatches
- Multiple UANs
- Missing Date of Exit
- Incorrect employment history
- EPS contribution or pension issues
- Service history gaps
- Potential withdrawal blockers
- Incomplete EPFO records
Each identified issue is explained along with its potential impact and recommended next steps.
Many EPF issues remain hidden for years because they do not affect your monthly salary or PF balance. They usually become visible only when you apply for a PF withdrawal, transfer your account, claim your pension, or when your nominee applies after your death. An EPF Audit helps identify these issues early so they can be resolved before they cause delays or claim rejections.
You should perform a PF Health Check whenever your EPFO records may have changed, especially if you:
- Changed jobs
- Plan to withdraw your PF
- Are approaching retirement
- Worked for multiple employers
- Suspect missing employer contributions
- Had a PF claim delayed or rejected
- Have not reviewed your EPF account for several years
Regular reviews reduce the chances of unexpected issues when you need access to your money.
Most employees should review their EPF records at least once every year and whenever they change employers. Performing a PF Health Check after every major career change helps ensure your employer contributions, employment history, pension records, and KYC details remain accurate.
No. EPFO provides access to your passbook, UAN profile, claim status, and contribution history, but it does not analyse your records for inconsistencies or explain whether hidden issues could affect future withdrawals, transfers, or pension claims. An EPF Audit reviews these records together to identify problems that may otherwise go unnoticed.
Yes. An EPF Audit is designed to identify hidden problems before they delay your claim. It can detect issues such as missing exit dates, multiple UANs, incomplete KYC, service history gaps, employer contribution inconsistencies, and pension record errors while there is still time to correct them.
Yes. You can run Kustodian's Free PF Health Check to review your EPF records and identify common issues affecting your Provident Fund account. If complex issues are found, you can choose whether you want expert assistance to resolve them.
Most PF Health Checks take only a few minutes to complete. Once your EPF records have been analysed, you'll receive a personalised EPF Audit Report highlighting any issues found, explaining why they matter, and recommending the next steps to resolve them.
Yes. Your information is used only to analyse your EPF records and generate your audit report. Your employer cannot access your PF Health Check results, and your information is handled using secure systems designed to protect your privacy.
Know Where Your PF Stands.
Don't wait until a withdrawal, retirement plan or claim reveals a problem. A few minutes today can save weeks of uncertainty later.
