How to Check My PF Balance: All You Need to Know?

For the past 16 years, 48-year-old Kavita Singh, a government school teacher in Dehri-on-Sone, Bihar, has contributed deposits to her EPF account. She checked her PF amount using her bank account, Aadhaar, and UAN (100234567890) to learn more about her savings. She sent the SMS "EPFOHO UAN ENG" from her registered mobile number to 7738299899. 

She received a prompt response showing the entire amount of ₹9,86,540, which included ₹4,72,300 in employer contribution and ₹5,14,240 in employee contribution. She also confirmed the same through the EPFO Member Passbook portal and UMANG app for detailed monthly records.

Checking PF Balance via SMS

Checking PF Balance via Missed Call

To check your Provident Fund (PF) balance using the missed call facility, follow these steps:

• Ensure UAN Activation and KYC Compliance: Before using this service, ensure that your Universal Account Number (UAN) is activated and linked with your Aadhaar, PAN, and bank account. This is essential for accessing your PF balance details via missed calls.
  
  
• Dial the Missed Call Number: From your registered mobile number, dial 011-22901406.
  
  
• Automatic Call Disconnection: The call will automatically disconnect after two rings.
  
  
• Receive PF Balance Details: Within a few minutes, you will receive an SMS containing your PF balance, last contribution, and available KYC information.

This service is free of charge and can be accessed from both smartphones and feature phones.

For more information, you can visit the official EPFO website: https://epfindia.gov.in.

Accessing PF Balance on the EPFO Member Portal

Monthly Contribution Calculation Example:

Interest is added annually based on the prevailing EPFO interest rate (~8.15% for FY 2023-24).

Checking PF Balance via the UMANG App

• Download the UMANG App: Install the UMANG app from the Google Play Store or Apple App Store.
  
  
• Register on the UMANG App: Open the app and register using your mobile number, or via 'MeriPehchan' or DigiLocker.
  
  
• Search for EPFO Services: In the search bar at the top, type "EPFO" and select it from the list of services.
  
  
• Select 'View Passbook': Under "Employee Centric Service," choose "View Passbook."
  
  
• Enter Your UAN: Input your Universal Account Number (UAN) and click on "Login."
  
  
• Verify with OTP: An OTP will be sent to your registered mobile number. Enter the OTP and click "OK."
  
  
• View Your PF Balance: After successful verification, your EPF passbook will be displayed, showing your PF balance, monthly contributions, and other details.

Example of Monthly Contribution:

Assume:

• Basic Salary = ₹15,000
• Employee Contribution = 12% of Basic Salary
• Employer Contribution = 12% of Basic Salary (split as 8.33% to EPS and 3.67% to EPF)

Employee Contribution Calculation:

• Employee’s Contribution = ₹15,000 × 12% = ₹1,800 per month

Employer Contribution Calculation:

• Employer’s Total Contribution = ₹15,000 × 12% = ₹1,800 per month
  • Employer’s EPS Contribution (8.33%) = ₹15,000 × 8.33% = ₹1,249.50
  • Employer’s EPF Contribution (3.67%) = ₹15,000 × 3.67% = ₹550.50.

Monthly PF Balance:

Annual Contribution:

• Employee Annual Contribution = ₹1,800 × 12 = ₹21,600
• Employer Annual Contribution = ₹1,800 × 12 = ₹21,600
• Total Annual Contribution (Employee + Employer) = ₹43,200

Checking PF Balance via the EPFO Mobile App

• Download the EPFO Mobile App: Visit the Google Play Store on your Android device and search for EPFO m-sewa. Install the app developed by the Employees' Provident Fund Organisation (EPFO).
  
  
• Open the App and Select 'Member': Launch the app and tap on the 'Member' option to access employee-centric services.
  
  
• Choose 'Balance/Passbook': In the next menu, select 'Balance/Passbook' to proceed.
  
  
• Enter Your UAN and Registered Mobile Number: Input your Universal Account Number (UAN) and the mobile number registered with EPFO.
  
  
• View Your PF Balance: After successful verification, your PF balance details will be displayed, including the total balance and recent contributions.

Example of Checking Your PF Balance

For instance, if your Basic Salary is ₹20,000:

• Your Employee Contribution would be ₹2,400 (12% of ₹20,000).
  
  
• Your Employer Contribution would also be ₹2,400 (12% of ₹20,000), which includes ₹1,666 towards EPS (Employee Pension Scheme) and ₹734 towards EPF (Employees’ Provident Fund).

After using the EPFO Mobile App, you would see a total monthly balance of ₹4,800 being contributed to your PF account (employee + employer).

Checking PF Balance Without UAN

1. Missed Call Service

• Phone Number: 9966044425
  
  
• Procedure: Dial the number from your registered mobile number. The call will disconnect after two rings, and you'll receive an SMS with your PF balance details.
  
  
• Requirements: Your UAN must be activated and linked with your Aadhaar, PAN, and bank account.

2. SMS Service

• Phone Number: 7738299899
  
  
• Message Format: EPFOHO UAN
  
  
  • Replace UAN with your actual UAN number.
    
    
  • Optional: To receive the message in a specific language, append the first three characters of the language code (e.g., HIN for Hindi, ENG for English).
    
    
• Example: EPFOHO 1234567890 ENG
  
  
• Requirements: Your UAN must be activated and linked with your Aadhaar, PAN, and bank account.

3. EPFO Website

• Website: epfindia.gov.in
• Steps:
  
  
  1. Visit the "For Employees" section.
  2. Click on "Member Passbook".
  3. Enter your UAN and password to log in.
  4. View your PF balance and passbook.

Note: This method requires your UAN.

4. UMANG App

• App: UMANG
• Steps:
  
  
  1. Download and install the UMANG app.
  2. Select the EPFO service.
  3. Log in using your UAN and OTP.
  4. View your PF balance and passbook.

Note: This method requires your UAN.

5. Employer Assistance

• Procedure: Contact your HR or payroll department to obtain your PF balance details.
• Note: Employers have access to EPFO records and can provide you with your PF balance information.

6. Retrieve Your UAN

If you don't have your UAN, you can retrieve it:

1. Through Your Employer: Check your salary slip or contact your HR department.
   
   
2. Online via EPFO Portal:
   
   
   • Website: unified portal-mem.epfindia.gov.in
     
     
   • Steps:
     
     
     1. Click on "Know your UAN" under the "Important Links" section.
     2. Enter your mobile number, name, and other required details.
     3. Submit the information to retrieve your UAN.

Note: Ensure your mobile number is registered with EPFO for OTP verification.

Conclusion

It doesn't have to be difficult to review your PF balance. There is a choice for everyone, regardless of whether you prefer communicating via text, using apps, or making brief phone calls. In addition to keeping you informed about your savings, keeping an eye on your PF balance gives you peace of mind knowing your future is well-planned. Additionally, the EPFO website or your HR department is always there to help if you need it.

Faqs

1. How can I check my PF balance without a UAN?

You can give a missed call to 9966044425 or send an SMS to 7738299899 from your registered mobile number.

2. What is the easiest way to check your PF balance online?

Log in to the EPFO Passbook Portal using your UAN and password.

3. Can I check my PF balance using a mobile app?

Yes, you can use the UMANG App to check your PF balance after logging in with your UAN.

4. What should I do if I don’t know my UAN?

Visit the EPFO portal and use the "Know your UAN" feature with your registered mobile number and basic details.

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