EPF Balance Check- PF Balance Check with And Without UAN Number

Investing in the Employee's Provident Fund (EPF) is a strategic way to secure your retirement, as it includes contributions from both you and your employer. Knowing your PF account balance is essential for planning retirement and ensuring your savings meet your goals. The EPF, governed by the Employees' Provident Funds and Miscellaneous Act, 1952, is managed by the Employees' Provident Fund Organisation (EPFO). Regularly checking your balance helps you gauge if additional investments are needed. Alongside EPF, Fixed Deposits (FD) can complement your savings for specific financial goals or to enhance retirement funds.

You can verify your PF balance through various methods, whether you have a UAN or not. Here are the options:

• Giving missed to 9966044425.
• Sending an SMS on 7738299899
• Using EPFO online portal
• Using UMANG mobile application

How to check PF Balance with UAN number

To check your PF balance with UAN number, you can use the Member Passbook facility provided by the Employees’ Provident Fund Organisation (EPFO). After registering on the Unified Member Portal, your passbook will be available after 6 hours.

How to check PF balance using EPFO portal

To verify your EPF balance, it is essential to have your Universal Account Number (UAN) activated by your employer. UAN serves as a unique identification number for employees enrolled in the EPF scheme, ensuring a seamless online operation of EPF services, including balance checks, withdrawals, and loan applications.

After activating your UAN, follow these steps:

1. Visit the EPFO portal and select "For Employees" under the "Our Services" tab.
2. Click on "Member Passbook" in the "Services" section.
3. Log in with your activated UAN number and password.
4. Choose the relevant "Member ID" and click on "View Passbook [Old: Full]."
5. Your PF details will be presented on the screen.
6. To retain a record, use the "Download Passbook" option to print the passbook.

How to check PF balance using the UMANG/EPFO app

The government launched the Umang/EPFO app to make it convenient for you to check your PF balance. With this app, you can view your passbook, raise a claim, and track the claim. The app, available for download on Google Play Store or App Store, facilitates tasks such as filing and tracking claims. To access the app, members need to complete a one-time registration using their UAN-registered cellphone number.

Here's a step-by-step guide on using the UMANG app to check your EPF transactions:

1. Download the UMANG app from either Google Play Store or App Store.
2. Locate the "EPFO" option within the 'All Services' tab.
3. Under 'Employee Centric Service,' click on 'View Passbook.'

How to check PF balance without UAN?

Here are some ways to check PF balance without UAN:

1. PF balance check by sending an SMS

If you have registered your UAN with EPFO (Employee Provident Fund Organisation), you can check your PF balance quickly by sending an SMS. All you need to do is send a text message to 7738299899. The text message should include 'EPFOHO UAN ENG.' Here, UAN will be your personal UAN, and ENG is the first three letters of your language preference. Supported languages include English, Bengali, Gujarati, Hindi, Kannada, Malayalam, Punjabi, Tamil, and Telugu.

2. PF balance check through a missed call

If you have registered and activated your mobile number on the UAN portal and completed KYC for your UAN, you can check your balance by giving a missed call. All you need to do is give a missed call to 9966044425 from the mobile number that you have registered with your UAN. The phone automatically disconnects after two rings, which means that you don't have to pay any charges. You will then receive details about your balance and the last contribution made to your PF account in the form of a text message.

Things to remember

• Access to your EPF balance on the EPFO portal is contingent upon the activation and registration of your UAN.
• The ability to view your passbook becomes accessible six hours post-registration on the EPFO Portal.
• The passbook reflects the most recent entries reconciled by the EPFO Field Offices.
• Members affiliated with exempted establishments and private trusts do not have the option to check their EPFO balance on the portal.

Is e-Nomination process for PF account mandatory?

While the Employees’ Provident Fund Organisation (EPFO) does not impose a mandatory requirement for fore-nomination of PF accounts, opting for e-nomination is strongly advised. This proactive step facilitates your nominees in inheriting the EPF account in the event of your demise, providing a means to safeguard your loved ones.

How to submit an e-Nomination in EPFO?

• Access the UAN Member e-Sewa portal.
• Provide the UAN number, password, captcha code, and click on the 'Sign In' button.
• Navigate to the 'Manage' tab and select the 'E-nomination' option.
• Confirm the family declaration by selecting 'Yes.'
• Input family member details in the e-nomination form using the 'Add Family Details' option, allowing the inclusion of multiple nominees.
• Declare the total share amount by clicking on 'Nomination Details.'
• Save the EPF nomination by clicking on 'Save EPF Nomination.'
• Generate an OTP and submit it by clicking on 'E-sign' after receiving it on the mobile number linked with Aadhaar.

You do not need your registered mobile number to check you PF balance every time; UAN and password are sufficient for login.

Follow the simple process below:

1. Visit the PF passbook portal website and log in with your UAN and password.
2. Select the specific PF account you want to check and click on "View PF passbook old."
3. View the total employee balance, employer balance, and pension balance in the last column of the PF passbook.
4. For yearly PF contributions, click on the "View Passbook (New: Yearly)" option.

Fixed deposits are preferred investment avenues, which help you earn interest and grow your savings quickly. As one of the safest investment options, Bajaj Finance Fixed Deposit Bajaj Finance FDs are quite versatile.

They give you the option to keep earning interest while also giving you a loan of up to 75% of the FD value. This helps with liquidity requirements and funding emergencies. If you use the online calculator to understand various combinations of tenors and capital invested, you can align your investments with your financial goals.

Additional advantages of Bajaj Finance FD investments

1. High interest: Bajaj Finance offers one of the highest FD interest rates in the market. It is up to 8.85% p.a. for senior citizens and up to 8.60% p.a. for customer below the age of 60.
2. Assurance of safety: With high ratings from leading credit rating firms like CRISIL and ICRA, these FDs are equally safe in comparison to EPF.
3. Smart investing: Using a combination of cumulative and non-cumulative FDs, you can create a regular flow of income and create a corpus for the future. Laddering investments across various interest rate slabs will also help you benefit from the averaging of fluctuating interest rates and increase your overall earnings.

You can conveniently use the above methods to check your balance or the last contribution to your EPF amount at your convenience. You can also choose to multiply your contribution towards your account by aiding with a high-yielding fixed deposit.

Calculate your expected investment returns with the help of our investment calculators