EPF Balance Check

How to Check EPF Balance Online and Offline?

Monitoring your EPF balance is essential for proper financial planning, especially since EPF works as a long-term retirement-focused pension plan for salaried employees. It allows you to verify employer contributions and track the accumulated interest over time. You can check your EPF balance using both online and offline methods, as explained below:

EPF Balance Check Using EPFO Member e-Sewa Portal

Before checking the EPF balance, an employee should ensure that the employer has activated their Universal Account Number (UAN) and follow the steps outlined below:

• Visit the Official Website: Go to the EPFO Member Passbook portal.
• Login: Enter your UAN, password, and captcha code, then click on “Sign In.”
• Select Member ID: If multiple Member IDs are linked to your UAN, choose the one you want to check.
• View Passbook: Click on “View Passbook” to see your total EPF balance along with detailed contribution history.
• Download: You can download the passbook in PDF format for future reference.

All employees have only one UAN in their working life, regardless of the number of companies they work for. UAN is an important number as the whole process related to the EPF services is now online.

EPF Balance Check Through UMANG 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 in detail, follow these steps:

• Download & Register: Install the UMANG app from Google Play Store or Apple App Store and complete one-time registration.
• Search for EPFO: Use the search option and select “EPFO.”
• Select ‘View Passbook’: Under Employee Centric Services.
• Login: Enter your UAN and request OTP.
• Verify OTP: Enter the OTP sent to your registered mobile number.
• View Balance: Select your Member ID to check and download your EPF passbook.

EPF Balance Check Offline Method

If you don't have your UAN Number, you can check your EPF balance using these methods:

Check EPF Balance via SMS

To use this service, your UAN must be active, and your KYC documents must be properly linked to your UAN. Additionally, the SMS must be sent from the mobile number registered with your UAN. Follow these instructions carefully:

• Send the SMS to the official number 7738299899 in the following format:
• EPFOHO UAN <LAN>
• The term UAN should be replaced by your actual 12-digit number.
• The last three letters, <LAN>, indicate the preferred language in which you wish to receive the details.

Example: To receive the details in English, you would type: EPFOHO <Your UAN> ENG

This facility supports ten languages. If you omit the language code, the reply will be sent in English (ENG) by default. Other available language codes include Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL), and Bengali (BEN).

EPF Balance Check via Missed Call

The missed call service is a fast and free offline method provided by the EPFO to instantly receive your latest EPF balance and contribution details via SMS. Below are the steps to follow:

• Missed Call Service: Give a missed call to the official number: 9966044425 from your mobile number that is registered with your UAN.
• SMS Alert: The call will disconnect automatically, and you will shortly receive an SMS containing your current PF balance and the details of your last contribution.

Remember: To ensure a successful EPF Balance Check via missed call, you must ensure the following:

• UAN Activation: Your UAN must be activated.
• Mobile Number: The call must originate from your registered mobile number.
• KYC Linkage: Your UAN must be linked with at least one of your KYC documents.

This service is free of cost to the member.

How to Check EPF Balance of Exempted Establishments/Private Trusts

For organizations called Exempted Establishments (or Private Trusts), the PF contributions are managed by a Company-Managed Trust, not the EPFO. Therefore, the balance cannot be checked via the standard EPFO Passbook.

Employees must use company-specific or direct methods to check their PF balance:

1. Check PF/Pay Slip:

   Review the monthly salary slip (or a separate PF slip) for the current EPF balance and contribution details. Most companies mention PF contributions and balance in the monthly salary slip.

2. Company Employee Portal:

   • Log in to the company's internal website or employee portal.
   • Access the dedicated EPF section to view the balance and statements (e.g., Wipro, TCS).

3. Contact HR Department:

   Get in touch with the company's HR or Payroll department to request PF balance information or a statement.

4. Track Monthly Contributions:

   Review monthly deductions and calculate annual accumulation using the declared EPF interest rate. 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.

Wrapping Up

Regularly checking your EPF balance is a simple yet important step toward securing your retirement. With digital access through the EPFO portal and UMANG app, along with easy offline options like SMS and missed calls, checking your EPF balance has become effortless. Regular monitoring ensures transparency, accurate employer contributions, and better financial planning for the future.