EPF Balance Check - PF Balance Check With and Without UAN Number

The Employees’ Provident Fund (EPF) is a retirement savings scheme where both the employer and employee contribute monthly, creating a corpus with interest that can be withdrawn at retirement or in case of emergencies. By doing a regular EPF balance check through the PF balance check number, EPF passbook, or UAN, you can easily track contributions, interest, withdrawals, and loans while also ensuring tax benefits under Section 80C.

Key Highlights

Quick & Easy Ways to check EPF Balance:

• Give a missed call to 9966044425 from your registered mobile number.
• Send an SMS with the text “EPFOHO UAN” to 7738299899 from your registered mobile number.
• Log in to the EPFO Member Portal using your UAN to check your PF balance online.
• Download the UMANG app & link it with your UAN for a quick EPF passbook balance check on your smartphone.

What is Provident Fund?

Employee Provident Fund (PF) is a government-backed retirement savings scheme where both employer and employee contribute monthly. The balance earns 8.25% annual interest and can be withdrawn after 5 years of service or earlier for specific needs like medical emergencies, education, or home purchase. Regular PF balance checks aid in better retirement planning.

How to Check PF Balance?

There are multiple ways to check your PF balance, both with and without UAN. 

EPF Balance Check Using UAN

Members can do their PF balance check with UAN number using the following methods: 

1. PF Balance Check through EPF Portal

To check your EPF balance, you must first activate your Universal Account Number (UAN), a unique ID allotted to every employee under the EPF scheme. Once activated, you can access your balance through the following steps:

Step 1: Visit the EPF portal and click on the ‘For Employees' section under ‘Services’ at the top of the page.

Step 2: Click on ‘Member Passbook’ under the ‘services’ section.

Step 3: On the next page, sign in with your UAN, password & Captcha. 

Step 4: You will receive an OTP on your Aadhaar-linked phone number.

Step 5: Enter the OTP and click ‘Verify’. Your PF account balance will be displayed on the screen.

2. PF Balance Check through UMANG App

You can check your EPF balance on the UMANG (Unified Mobile Application for New-age Governance) app, which also allows you to file and track claims. It is necessary to register on UMANG using your UAN-linked mobile number to access balance, claim status, and other EPF details on your phone.

Here’s how you can use the UMANG app to view your EPF transactions:

Step 1: Download and install the UMANG app from the Play Store or App Store.

Step 2: Open the app, go to Services → Social Security → EPFO.

Step 3: Under ‘Employee Centric Services’, select ‘View Passbook’.

Step 5: Enter your UAN and verify using the OTP sent to your registered mobile.

Step 6: Once logged in, choose the employer account you wish to view.

Your EPF passbook with all deposits and withdrawals will be displayed, and you can download it for reference.

EPF Balance Check Without Using UAN

Members can check PF balance without using UAN through the following methods:  

1. PF Balance Check through SMS 

You can check your PF balance via SMS only if your UAN is active and linked with Aadhaar, PAN, and bank account. Once KYC is completed, send an SMS to 7738299899 from your registered mobile number in the following format - 

‘EPFOHO UAN ENG'.

The last three letters indicate the preferred language you wish to receive the details. 

This facility is available in several languages - English (ENG), Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL), and Bengali (BEN). 

2. PF Balance Check through Missed Call

You can easily do EPF balance check by giving a missed call from your registered mobile by following the steps below:

Step 1: Give a missed call to 9966044425 from your registered mobile number.

Step 2: After placing a missed call, you will receive an SMS with your PF details on your registered mobile number.

Note: To check your EPF balance via missed call, ensure:

• UAN is activated & linked with your PAN, Aadhaar, as well as your bank account.
• Your mobile number is linked and registered with your UAN.

This service is free of charge. 

How to Check EPF Balance for Exempted Establishments?

Employees working in exempted establishments or private trusts cannot check their EPF balance on the EPFO portal, as their PF contributions are managed by a company-run trust, not the EPFO.

To know your PF balance, you must:

• Check your salary slips
• Access the company’s internal employee portal, or
• Contact the HR department

While the EPF is a key retirement savings tool, knowing your UAN helps track your PF account, especially during emergencies or job switches. However, in exempted setups, balance access is restricted to the employer’s trust records.

Things to Remember

• You can do your PF balance check 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 six hours after 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 on the EPFO Portal.

In Conclusion

You can do an EPF balance check with or without a UAN through the EPFO portal, UMANG app, missed call, or SMS. Regular checks help you track savings, interest, and stay in control of your retirement planning.