The Employees’ Provident Fund (EPF) acts as a saving tool. The employee and the employer contribute an equal amount towards savings that can be availed upon retirement or after switching jobs.
You can now check your EPF balance via SMS, by giving a missed call, the EPFO app/Umang app, and theEPFO Portal. By allowing employees to access the EPF balance, they can easily:
- Plan their expenses well
- Avail a loan against their EPF balance
- Check the status of their PF balance
For more information, read our articles onPF Claim Status,PF Transfer,EPF Withdrawal&EPF Payment.
Latest Update
The interest rate applicable to the EPF contributions is 8.10% for FY 2022-23.
How to Check PF Balance?
There are multiple ways to check your pf balance, both with and without UAN. They are listed as follows:
- Giving missed call to mobile number - 9966044425
- Sending an SMS to mobile number - 7738299899
- Using EPFO online portal
- Using UMANG mobile application
How to PF Balance With UAN?
PF Balance Check Using EPFO Portal
Tocheck EPF balance, make sure that the employer has activated your Universal Account Number (UAN). UAN is a unique identification number provided for all employees enrolled under the EPF scheme. All employees should have only one UAN during their working life irrespective of the companies they change. UAN is important as the entire process related to the EPF services are now operated online. Thanks to UAN, accessing your PF account services, such as withdrawal, checking EPF balance, and EPF loan application is easy.
Once your UAN number is activated, follow these steps:
Step 1: Go to the EPFO portal. Go to the tab ‘Our Services’ and choose the option that says “For Employees” from the drop-down menu.
Step 2: Now, click on the option ‘Member passbook’ under “Services.”
Step 3:Alogin page will appear. Enter your UAN number and password here after it has been activated.
Step 4: Select the ‘Member ID’ and click on the ‘View Password [Old: Full]’ option.
Step 5: Your PF details will be displayed on the screen.
Step 6: You can print this passbook by clicking on the ‘Download Passbook’ option.
PF Balance Check Using the UMANG/EPFO App
Employees can check their EPF balance on their phones by downloading the Unified Mobile Application for New-age Governance (UMANG) app. Aside from checking EPF balances, the app allows you to file and track claims. Members must complete a one-time registration using their UAN-registered cellphone number to access the app.
Let’s have a look at how you can use the UMANG app to view your EPF transactions:
- Download the UMANG app from Google Play Store or App Store.
- Select the “EPFO” option listed under ‘All Services’ tab.
- Under ‘Employee Centric Service’, click on ‘ View Passbook’
How to Check PF Balance Without UAN?
PF Balance Check by Sending an SMS
Once the UAN is integrated with your KYC details, follow these steps:
- Send an SMS to mobile number - 7738299899.
- The message will be sent in the format ‘EPFOHO UAN ENG‘.
You’ll have to set your preferred language of communication in the SMS. Just use the first three characters of your preferred language to do so. If you wish to receive updates in English, use the first three characters of the word English, i.e. EPFOHO UAN ENG. If you want to receive the message updates in Marathi, then type in EPFOHO UAN MAR.
This facility is available in the following languages:
- English (ENG)
- Hindi (HIN)
- Punjabi (PUN)
- Gujarati (GUJ)
- Marathi (MAR)
- Kannada (KAN)
- Telugu (TEL)
- Tamil (TAM)
- Malayalam (MAL)
- Bengali (BEN)
You can use check balance by sending SMS only when your UAN is active and seeded with your bank account, Aadhaar number and PAN. If you have not linked your UAN with your bank account, Aadhaar and PAN, you must complete the eKYC with UAN to check your balance via SMS.
PF Balance Check Through a Missed Call
You can inquire about your EPF balance by giving a missed call to the authorised phone from your registered mobile number. This service is only available upon the integration of your UAN with your KYC details. If you are unable to do this, you can take the help of your employer.
Once the UAN is integrated with your KYC details, follow the steps mentioned below:
- Give a missed call to 9966044425 from your registered mobile number.
- After placing a missed call, you will receive an SMS with your PF details.
You must ensure that the following requirements are fulfilled before you check your EPF balance check through missed call:
- UAN should be activated.
- Your mobile number should be registered with the UAN since the missed call facility is available only when the missed call is made from your registered number.
- The UAN should be linked with other essential documents like PAN, Aadhaar and bank account.
You do not have to pay any charge to avail of the EPF balance check through mobile number service.
Things to remember
- You can check your EPF balance on the EPFO portal only if your UAN is activated and registered on the EPFO Portal.
- The facility to view the passbook will be available after six hours of registering on the EPFO Portal.
- The passbook will show the latest entries reconciled by the EPFO Field Offices.
- Exempted establishment members and private trusts cannot view their EPFO balance check.
Is e-Nomination Process for PF Account Mandatory?
The Employees’ Provident Fund Organisation (EPFO) has not mandated fore-nomination for PF accounts. However, it is recommended to do an e-nomination for the PF account as it helps your nominees to take the EPF account after your death and secure your loved ones.
How to Submit an e-Nomination in EPFO?
- Visit the UAN Member e-Sewa portal.
- Enter the UAN number, password, captcha code and ‘Sign In’ button.
- Now, select the ‘E-nomination’ option under the ‘Manage’ tab.
- Click on ‘Yes’ to update the family declaration.
- Now add the family member’s details in the e-nomination form by clicking on ‘Add Family Details’. More than one nominee can also be added.
- Click on ‘Nomination Details’ to declare the total amount of share.
- Next, click on ‘Save EPF Nomination’.
- Lastly, click on ‘E-sign’ to generate OTP and submit the OTP received on the mobile number linked with Aadhaar.
The e-nomination process is now complete.
How to Check PF Balance without Registered Mobile Number?
You don't need your registered mobile number every time to check your PF balance. You only require UAN and password to login and check the PF status. Check out the simple process below:
Step 1: Go to PF passbook portal website and login with your UAN and password.
Step 2: Now select the PF account for which you want to check your PF balance and click on view PF passbook old.
Step 3: Now you can see the total employee balance and employer balance in your PF account, and you can also check the pension balance in the last column of the PF passbook.
Step 4: If you want to check yearly PF contributions then click on the view passbook (new: yearly) option.
Conclusion
The Employee Provident Fund (EPF) serves as a significant income source for retirement. Having knowledge of your Universal Account Number (UAN) makes it convenient to access your EPF balance and withdraw funds when faced with an emergency.
Frequently Asked Questions
I have a UAN number linked to an operative PF Account. Now I have one old inoperative PF account, and my previous employer’s company dissolved. How can I withdraw or link it to my existing UAN?
PF transfer is the only process to link your old PF account to your current UAN number. Here is the step by step process:
- Go to the UAN member portal and log in with your UAN and password.
- Now go online services in the menu bar and click on one member one EPF account (transfer request).
- Now a new page will open. Choose attestation through a previous employer or present employer (present employer is recommendable).
- After choosing the employer, enter your old PF account number (or) old UAN and click on get details to see the previous employer details.
- Now click on get OTP and enter the OTP received your mobile number.
Once you verify the OTP, your PF transfer claim will be submitted, and within 20 days, your PF amount will be transferred to your new PF account; at the same time, your old PF account details will be saved in your current UAN.
How to check the EPF balance of exempted establishments or private trusts?
Employees of exempted establishments or private trusts cannot view the EPF balance. In the case of an exempted establishment or private trust, the EPF contribution is transferred to the trusts managed by the company and not the EPF. Thus, only the trust managed by the company can give information about the PF balance of an employee. Employees can get the balance information by checking the salary slips or raising a request to the HR department.
Can I check the EPF balance if my EPF account is inoperative?
When there is no PF contribution to an EPF account for three years after retirement, death, unemployment or permanent migration, the EPF account becomes inoperative. However, when you are below 58 years, the EPF interest will be credited to your EPF account even when it is inoperative. Thus, you can check your EPF balance even when it is inoperative if you are within 58 years.
Can I check my EPF balance using my Aadhaar number?
No, you cannot check your EPF balance using your Aadhaar card. You must provide your UAN to check your EPF balance.
Can I check the EPF balance of my EPF account created from previous employment?
All EPF accounts linked to a UAN will be displayed when you log in to the EPF portal. Thus, you can select the respective member ID of your previous account to check your balance.
When does the EPF balance get updated?
EPF balance is updated in your passbook after 24 hours of making the contribution. Thus, you must wait for at least 24 hours of contribution to check the EPF account. However, if your EPF balance is not updated after two days of contribution, you should contact your HR department or file a complaint at the EPFO helpdesk.
For further reading and understanding, check out these articles
UAN (Universal Account Number)
How to Link Aadhaar with UAN and PF
What is EPFO
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