The Employees’ Provident Fund (EPF) is a savings plan for employees. Both the employee and employer put in the same amount of money, which the employee can use when they retire or change jobs.
You can check your EPF balance using SMS, missed call, the EPFO app, the Umang app, or the EPFO website. It’s important to check your balance if you plan to withdraw money, take a loan, or check the interest earned.
For more details, read about PF claim status, transfer, withdrawal, and payment.
Latest Update: The government has raised the EPF interest rate to 8.25% for 2023-24.
How to Check PF Balance
You can check your balance in different ways, with or without UAN (Universal Account Number):
- Give a missed call to 9966044425
- Send an SMS to 7738299899
- Use the EPFO website
- Use the UMANG app
Check PF Balance with PF Number Without UAN
How to Check PF Balance Using UAN
To check your balance using UAN, follow these steps:
- Go to the EPFO website and click “For Employees.”
- Under “Services,” click on “Member Passbook.”
- Enter your UAN, password, and captcha code, then sign in.
- A six-digit OTP will be sent to your registered phone number.
- Enter the OTP and click “Verify.” Your balance will appear.
Make sure your UAN is activated and registered on the EPFO portal before checking your balance.
Checking PF Balance Using the UMANG App
To check your balance using the UMANG app:
- Download the UMANG app from Google Play Store or App Store.
- Log in, go to “Services,” then click on “Social Security.”
- Click on “EPFO,” then select “View Passbook.”
- Enter your UAN, and an OTP will be sent to your registered number.
- Enter the OTP and select the company to view your balance.
- You can also download your passbook.
How to Check PF Balance Without UAN
You can also check your balance without UAN by sending an SMS:
- Send an SMS to 7738299899 in this format: “EPFOHO UAN ENG.”
- Replace “ENG” with the first three letters of your preferred language (e.g., MAR for Marathi).
You can only use this service if your UAN is linked to your bank account, Aadhaar, and PAN.
Check PF Balance with a Missed Call
You can give a missed call to 9966044425 from your registered mobile number to get your PF balance. Make sure your UAN is linked to your KYC details like Aadhaar, PAN, and bank account.
How to Check PF Balance Without Registered Mobile Number
If you don’t have access to your registered mobile number, you can still check your balance by logging into the EPFO portal using your UAN and password.
- Go to the EPF portal and click on “e-Passbook.”
- Enter your UAN, password, and captcha code.
- Your passbook will show up, and you can download it.
How to Check EPF Balance for Exempted Establishments
If you work for a private company with its own trust for managing EPF, you cannot check your balance on the EPFO portal. You will need to check through your company’s employee portal, salary slips, or ask your HR department.
The EPF is an important retirement savings tool. Knowing how to access your UAN and balance is essential for managing your savings and withdrawing funds when necessary.
Frequently Asked Questions:
How can I link my old PF account to my UAN?
Use the PF transfer process on the UAN member portal.
Can I check my balance if my PF account is inactive?
Yes, if you’re below 58 years, interest will still be added to your account, even if it’s inactive.
Can I check my balance with my Aadhaar number?
No, you need your UAN to check the balance.
Can I check my previous employer’s PF balance?
Yes, all accounts linked to your UAN will be visible when you log in.
When is the EPF balance updated?
The balance is updated 24 hours after your contribution.
How long does it take for PF withdrawal?
It takes about 15-20 days to receive the funds after approval.
Is e-nomination mandatory?
It is not mandatory but recommended to help your nominees access your account in case of your death.
What is EPF balance?
The balance in your EPF account includes the contributions made by you and your employer, plus any interest earned.
