How Can You Check Your EPF Balance Without a UAN?

Checking your EPF balance helps you track employee and employer contributions, interest credited, and your accumulated retirement savings. You can access your EPF details through several methods, depending on whether you have your UAN available.

• With UAN: Check your balance through the EPFO Member Passbook portal or the UMANG app.
• Without entering UAN: Use the registered mobile number for EPFO's SMS or missed-call services. These services still require an activated UAN linked to the mobile number.
• Other options: Your salary slip or employer/HR department can help you identify your PF account details.
• Regular checks: Reviewing your passbook can help you verify that contributions are being credited and identify discrepancies early. 
• Keep details updated: An active UAN and updated KYC and mobile details can make it easier to access EPFO services.

EPF balance or EPFO passbook balance is the amount of money in your EPF account at any given point of time. It is the available portion of your salary that is deposited every month in your EPF account for the purpose of building your retirement savings. 

It is important because it acts as a corpus for your retirement. It may also be utilized to meet financial needs if you are unemployed for more than a month or may be withdrawn in case of unforeseen circumstances, medical emergencies, etc.

Regularly reviewing your EPF balance enables you to stay informed about your retirement savings and identify any discrepancies in contributions at an early stage.

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 PF 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.

Employees can check PF balance without typing their UAN by using EPFO’s registered-mobile SMS or missed-call services for convenient access. 

Both official EPFO options require an activated UAN and registered mobile number, although employees need not know or enter UAN.

Members should update mobile and KYC details through official channels before using either service, protecting every OTP and personal credential.

A missed call is one of the quickest offline methods to check your PF balance without logging in to the EPFO portal. The service is available free of cost and works from your registered mobile number. If your account is correctly linked, you will receive an SMS with your latest EPF balance and recent contribution details within a few moments.

Steps

Step 1: Ensure your Universal Account Number (UAN) is activated.

Step 2: Verify that your Aadhaar, PAN, and bank account are linked and approved under your UAN.

Step 3: Use the mobile number registered with your UAN to place the missed call.

Step 4: Give a missed call to 9966044425. The call disconnects automatically, and no call charges apply.

Step 5: Wait for the SMS from EPFO containing your latest PF balance and recent contribution details.

Step 6: If you do not receive the SMS, confirm that your UAN is active and your KYC details are correctly updated in the EPFO records.

This facility continues to be a convenient way in 2026 to check your PF balance without visiting the EPFO portal or using the UMANG app.

Before you check your EPF balance online, it is important to ensure that certain basic requirements are in place. This helps avoid errors, delays, or access issues while viewing your account details.

• 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.

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.

Also read: EPFO Claim Status

To submit an e-Nomination in EPFO, follow these steps:

• 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 don't 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.
    

Also read: EPF interest rate

Checking your EPF balance through the EPFO Member e-Sewa portal is one of the most reliable ways to track your retirement savings. Before accessing your passbook, ensure your Universal Account Number (UAN) is active and your account details are updated. Following these points can help you avoid common issues and access the latest available balance information in 2026.

Keeping your UAN active, KYC updated, and contribution records under review helps you manage your EPF account efficiently and plan your retirement savings with greater confidence.

Knowing your PF Account Number and UAN is essential for managing your EPF savings effectively. With multiple easy methods—such as checking salary slips, using the EPFO portal, or the UMANG app—you can quickly access your PF Account details anytime. Staying informed helps you track contributions, monitor balance, and plan your financial future better. Regularly checking your PF account ensures transparency and keeps your retirement savings on track.