EPF Balance Check: How to Check PF Balance With and Without UAN

The Employees’ Provident Fund (EPF) is one of the most essential financial savings tools for salaried individuals in India. Managed by the Employees’ Provident Fund Organisation (EPFO), both employees and employers contribute monthly toward this fund, helping you build a retirement corpus over time.

To access your PF details, you typically use a Universal Account Number (UAN), which links all your PF accounts across different jobs. But even without a UAN, you can still check your balance using other methods.

Understanding EPF and UAN:

The EPF is a mandatory savings scheme where a portion of your salary is set aside every month, along with a matching contribution from your employer. This amount earns interest and accumulates over time, providing financial security after retirement.

The UAN is a unique 12-digit number assigned to every EPF member. It serves as a central identification that remains the same throughout your career, regardless of how many times you switch jobs. All your PF accounts across different employers are linked to this single UAN, simplifying tracking and management.

Why Checking Your PF Balance is Important:

Checking your EPF balance regularly is a good financial habit. Here’s why it matters:

• It helps you confirm that your employer is depositing contributions on time.

• You can monitor the interest accrued on your savings.

• It allows you to detect errors or missed deposits early.

• You get a better sense of how much you’ve saved and can plan your finances accordingly.

By staying informed, you avoid unpleasant surprises and ensure your retirement fund is growing as expected.

How to Check PF Balance With UAN:

If your UAN is active and your mobile number is linked, there are two convenient ways to check your PF balance: using the EPFO portal and the UMANG mobile app.

1. Using the EPFO Portal

The EPFO Member Passbook Portal offers a detailed view of your contributions and interest. Here’s how to check your balance:

Steps:

1. Visit the EPFO Member Passbook Portal: https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp

2. Log in using your UAN and password.

3. Once logged in, you will see a list of your PF accounts.

4. Select the relevant PF account.

5. View or download the passbook to see monthly contributions and interest earned.

Note: The passbook is typically updated within 24 hours of a contribution.

2. Using the UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app provides access to a range of government services, including EPFO.

Steps:

1. Download the UMANG app from the Google Play Store or Apple App Store.

2. Open the app and search for “EPFO” in the services list.

3. Select the “Employee Centric Services” option.

4. Log in using your UAN and the OTP sent to your registered mobile number.

5. Tap on “View Passbook” to see your EPF balance and contribution history.

This method is especially convenient if you prefer using your mobile device over a web browser.

How to Check PF Balance Without UAN:

Even if you don’t have your UAN available, you can still check your PF balance using your registered mobile number. These methods work only if your UAN is seeded with Aadhaar, PAN, and bank details.

1. Check via SMS

You can request your PF balance using a simple SMS, as long as your mobile number is linked to your EPF account.

Steps:

1. Open the messaging app on your phone.

2. Type the following message:
   EPFOHO UAN ENG
   (Replace "ENG" with your preferred language code, such as "HIN" for Hindi or "TAM" for Tamil.)

3. Send the message to 7738299899.

4. You will receive an SMS reply with your PF balance and last contribution details.

This method is useful when you don’t have internet access.

2. Check via Missed Call

This is the simplest method and doesn’t require internet or a smartphone.

Steps:

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

2. After a few rings, the call will disconnect automatically.

3. You will receive an SMS with your latest PF balance details.

Note: Your mobile number must be linked to your PF account for this to work.

Things to Keep in Mind:

While checking your PF balance, make sure of the following:

• Your UAN should be activated for online access.

• Your mobile number must be registered with EPFO and linked to your UAN.

• The personal details in your EPF account (name, date of birth, etc.) should exactly match those in your Aadhaar and PAN records.

• The balance shown includes your contribution, your employer’s contribution, and interest.

• Updates to your balance may take 1–2 days to reflect after monthly salary credit.

Conclusion:

Knowing how to check your EPF balance empowers you to stay informed about your retirement savings. Whether you use the online portal, a mobile app, or offline methods like SMS and missed calls, the process is simple and accessible. Regular checks ensure that your employer is making timely contributions, and help you plan better for your financial future.

Frequently Asked Questions:

Q1: Can I check my PF balance without UAN?
Yes, you can use the SMS or missed call facility if your mobile number is registered with EPFO and your UAN is linked to Aadhaar and PAN.

Q2: How often should I check my PF balance?
Ideally, you should check it once a month to ensure contributions are being made regularly and accurately.

Q3: Is there a charge for checking my PF balance?
No. All methods - EPFO portal, UMANG app, SMS, and missed call are completely free of cost.