How to Check EPF Balance Online Using UAN, SMS & Missed Call

What Is EPF, And Why Is It Important?

The Employees' Provident Fund (EPF) is a retirement savings tool managed by the Employees' Provident Fund Organisation (EPFO). In this, both the employer and the employee contribute 12% of the employee's allowance every month to build a retirement corpus. Gradually, this amount grows with interest declared annually by EPFO.

It is important to keep a good eye on the EPF balance, as it helps in:

• Tracking your retirement savings
• Verification of employer contributions
• Planning withdrawals or transfers of funds
• Detecting discrepancies early
• Keeping track of interest credit
• Staying financially aware

What is UAN?

Every EPF member is assigned a Universal Account Number (UAN). This is a 12-digit number that remains the same throughout your career, even if you switch jobs. It links multiple member IDs allotted by different employers under one umbrella, making your EPF savings easy to track and manage. Without an active UAN, you cannot perform an online EPF balance check, so it is important to activate your UAN with updated KYC and a linked mobile number.

How to Check EPF Balance Online?

There are multiple convenient ways to perform an epf balance check. All the ways are quick and hassle-free service that ensures you stay updated about your savings anytime, anywhere. Let's explore all these ways in brief.

1. Through the EPFO Member Portal

   This is the most detailed way to check your EPF balance. Follow these steps below to see contributions, interest earned, and total available balance:

   • Visit the official EPFO website.
   • Click on "Services", and select "For employees".
   • Choose "Member Passbook."
   • Now, log in using your UAN and password.
   • Enter the captcha, then click login.
   • Select your Member ID to view your EPF passbook that includes every detail.

2. Through the UMANG App

   The UMANG app is a government-verified unified mobile application for new-age governance. This all-in-one platform allows you to manage tasks such as checking your EPF balance, filing claims, managing your National Pension Scheme, viewing your Aadhaar, making bill payments, and accessing health, travel, and transport services.

   For epf balance check, you can follow these steps:

   • Download the UMANG App from the Google Play Store or Apple App Store.
   • Register using your mobile number.
   • Search for "EPFO" services.
   • Select "Employee Centric Services."
   • Click on "View Passbook."
   • Enter your UAN and verify via OTP.
   • Now, your EPF balance will appear on your screen.

3. Through SMS Format

   If you do not have internet access, you can perform an epf balance check via SMS. To use this SMS service, you must have an activated UAN with a registered mobile number and updated KYC.

   SMS Format: EPFOHO UAN ENG

   Send this SMS from your registered mobile number to 7738299899. Within seconds, you will receive an SMS with your PF balance details. Here, "ENG" stands for English, but you can also choose other language codes, such as:

   • HIN (Hindi)
   • TAM (Tamil)
   • TEL (Telugu)
   • MAR (Marathi)
   • BEN (Bengali)

4. Through Missed Call Service

   Unlike the EPFO portal or UMANG app, the missed call service does not require internet or login credentials. It is a faster means to check the PF balance. While the portal gives detailed transaction history, the SMS service is an alternative if the missed call does not work. Follow these steps to check your EPF balance by missed call:

   • Ensure UAN is active and linked with your mobile number.
   • Give a missed call by dialling 9966044425 from your UAN-linked mobile number. The call will automatically disconnect after ringing.
   • You will then receive an SMS with your EPF balance showing the current balance and last contribution amount, and date.

Final Words

Your EPF account is more than just a salary deduction; it is also your future financial safety net. Therefore, it becomes crucial for you to do an epf balance check regularly. Whether you prefer logging into the EPFO portal, using the UMANG app, sending an SMS, or giving a missed call, you have multiple convenient options at your fingertips. All these are quick and hassle-free process, which allows you to detect any discrepancies early and ensure your retirement corpus is growing as expected. Make a habit of regularly checking your EPF balance to stay informed and confident for your retirement.