EPF Balance Check

The Employee Provident Fund (EPF) is a savings scheme introduced by the Government of India to provide financial security and retirement benefits to employees. As an EPF member, it is essential to keep track of your EPF balance to check your savings and plan for the future. This has become more accessible with the advent of online services. By using the EPFO (Employee Provident Fund Organisation) portal or mobile app, you can quickly and easily check your EPF balance at any time from the comfort of your home.

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Let us understand the process of how you can check your EPF balance and other information quickly.

How to Check EPF Balance Using EPFO Portal?

Checking the EPF balance regularly is essential to keep track of your retirement savings and ensure that your employer is contributing the correct amount to your EPF account. You can check EPF balance online using any of the following methods:

EPFO portal or UAN portal

  • Before checking the EPF balance, an employee should ensure that the employer has activated their Universal Account Number (UAN). UAN is a unique identification number allotted to all the employees enrolled under the EPF scheme. 

  • All employees have only one UAN in their working life, no matter how many companies they change. UAN is an important number as the whole process related to the EPF services is now online.
    Upon activation of the employee’s UAN, EPF balance can be checked with the following steps: 

  • Visit the official website of EPFO.

  • Select the ‘Our Services’ option and tap on the ‘For Employees’ option.

  • Next, click on the ‘Services’ section and select ‘Member passbook’.

  • Enter the 12 digits UAN, password, and the captcha.

  • Click on ‘Log in’.

  • Once logged in, an individual can operate their EPF account.

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UMANG or EPFO App

By installing the Unified Mobile Application for New-age Governance (UMANG) application, workers can check their EPF balance using their mobile device. The app also allows users to file and monitor claims related to EPF. 

To check your EPFO balance using the UMANG app in India, you can follow these steps:

  • Download and install the UMANG app from the Google Play Store or Apple App Store.

  • Register on the UMANG app using your mobile number and enter the OTP received.

  • Once you are logged in, select the EPFO option from the list of services available on the homepage.

  • Select the 'Employee Centric Services' option.

  • Under the 'Services' section, click on the 'View Passbook' option.

  • Enter your Universal Account Number (UAN) and click on the 'Get OTP' button.

  • Enter the OTP received on your registered mobile number.

  • Once authenticated, you will be able to view your EPFO passbook, which will contain your balance details.

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How to Check EPF Claim Status Offline?

An individual can check the EPF balance offline as well. The following offline methods can be used:

  1. SMS

    • The Employees' Provident Fund Organization (EPFO) offers an SMS-based service for employees to check their PF balance and last contribution.

    • Employees can activate their UAN (Universal Account Number) and send an SMS to 7738299899 to avail of the service.

    • The SMS format should be EPFOHO UAN ENG and the preferred language should be indicated in the last three letters.

    • The service is currently available in ten languages, including Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Gujarati, Punjabi, Hindi, and English.

    • To receive PF details in Kannada, employees must send the SMS in the format EPFOHO UAN KAN.

    • The employee's PAN, Aadhaar, and bank details must be linked to their UAN for them to access the service.

  2. Missed Call

    • The EPF members have an option to check their balance by giving a missed call on 011-22901406 from their registered mobile number.

    • To avail this service, the employee's UAN must be linked with their Permanent Account Number (PAN), Aadhaar, and bank account number.

    • If the above-mentioned details are not linked with the UAN, the employee can ask the employer to link them.

  3. Additional details

    It is essential to keep the following details handy while checking EPF balance (whether online or offline):

    • Universal Account Number (UAN)

    • Active mobile number registered with UAN

    • Aadhaar number linked with UAN

How to Check EPF Balance of Exempted Establishments/Private Trusts

For organizations exempted or managed by a private trust, their EPF contribution goes to a company-managed trust instead of the Employees' Provident Fund Organisation. This means that only the company-managed trust can disclose the employee's PF account balance. Members of these establishments cannot check their PF balance through the standard EPFO passbook facility.

Workers employed in exempted establishments have four options to check their EPF (Employee Provident Fund) balance, which include:

  • Checking their PF slip or pay slip: Many large organizations send salary slips to their employees via internal email, which also includes the EPF account balance. Some companies may even provide an additional EPF slip along with the salary slip, which contains the monthly contributions and the EPF account balance.

  • Logging into the company's employee portal: Most big companies maintain a website where employees can log in and access the EPF section to check their account balance. Companies like Wipro and TCS provide an online facility for checking the EPF account balance and obtaining a PF statement.

  • Contacting the company's HR department: Employees can get in touch with the HR department, as it deals with the employees' PF and can provide relevant information regarding the EPF account balance.

  • Keeping track of their contributions: Employees can monitor their monthly contributions by checking their salary slips and calculate their annual EPF balance using the interest rate set by the EPFO (Employee Provident Fund Organization). It is important to note that a fixed sum of money, up to Rs.1,250 per month, goes to the EPS (Employee Pension Scheme) account.

In Conclusion

Checking your EPF balance is a quick and easy process that can be done through various methods. It is important to regularly check your EPF balance to keep track of your retirement savings and ensure that you are contributing enough towards your future. By following the above mentioned simple steps, you can easily stay informed about your EPF balance and take steps to ensure your financial security.

FAQ's

  • What is EPF and why is it important to check its balance?

    EPF stands for Employee Provident Fund, a government-mandated retirement savings scheme for employees in India. It is important to check your EPF balance to keep track of your savings and ensure that your employer is contributing the correct amount on your behalf.
  • How often should I check my EPF balance?

    It is recommended to check your EPF balance at least once a year to keep track of your savings and ensure that your contributions are being credited to your account correctly.
  • What should I do if I find an error in my EPF balance?

    If you find an error in your EPF balance, you should bring it to the attention of your employer or the EPFO immediately. They will investigate the matter and take necessary action to rectify the error.

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^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
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^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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