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

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:

A. PF balance check via SMS

If your UAN is linked to your KYC details, you can check your PF balance by following these steps:

• Send an SMS to 7738299899 in the format ‘EPFOHO UAN ENG’.
• The language of communication can be set using the first three characters of the preferred language.
• For example, to receive updates in English, type EPFOHO UAN ENG. To receive updates in Marathi, type EPFOHO UAN MAR.

This service is available in multiple languages, including:

• English (ENG)
• Hindi (HIN)
• Punjabi (PUN)
• Gujarati (GUJ)
• Marathi (MAR)
• Kannada (KAN)
• Telugu (TEL)
• Tamil (TAM)
• Malayalam (MAL)
• Bengali (BEN)

To check your PF balance via SMS, ensure that your UAN is active and linked to your bank account, Aadhaar, and PAN. If not, you need to complete the eKYC process with your UAN before using this service.

B. PF balance check via missed call

You can also check your EPF balance by giving a missed call from your registered mobile number. This service is available only if your UAN is linked to your KYC details. If not, you may seek assistance from your employer.

Once your UAN is linked to your KYC details, follow these steps:

• Give a missed call to 9966044425 from your registered mobile number.
• After placing a missed call, you will receive an SMS with your PF details.

Before using the missed call facility, ensure that:

• Your UAN is activated.
• Your mobile number is registered with your UAN, as the missed call must be made from the registered number.
• Your UAN is linked with PAN, Aadhaar, and bank account.

There is no charge for checking your EPF balance through this service.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