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

The Employees’ Provident Fund (EPF) is a retirement savings scheme where both the employee and employer make equal monthly contributions. You can check your EPF balance through multiple methods — via SMS, missed call, the EPFO portal, or mobile apps like UMANG and the EPFO app.

Knowing your EPF balance is crucial for planning withdrawals, applying for a loan against PF, or tracking interest earned. Regular checks also help you verify contributions and claim eligible income tax deductions under Section 80C.

Ways to Check PF Balance

The following table summarises all the methods through which members can check their PF Balance:

Here’s a detailed guide to help you check your EPF balance with ease. 

What is Provident Fund?

A Provident Fund (PF) is a government-backed retirement savings scheme where both the employer and employee contribute a fixed percentage of the salary every month. The accumulated balance earns interest, currently set at 8.25% per annum.

The PF amount can be withdrawn after completing 5 years of continuous service, while premature withdrawals are allowed in certain exceptional cases. Monitoring your PF balance is essential for retirement planning and managing emergency financial needs.

How to Check PF Balance?

There are multiple ways to check your PF balance, both with and without UAN. They are listed as follows:

How to Check PF Balance Using UAN

Member can check PF balance using UAN through the following methods: 

PF Balance Check EPF Portal

To check EPF balance, make sure that you have activated your Universal Account Number (UAN). UAN is a unique identification number provided for all employees enrolled under the EPF scheme. Once your UAN number is activated, follow these steps:

Step 1: Visit the EPF portal and click on ‘For Employees' section under ‘Services’ at the top of the page.

Step 2: Click on ‘Member Passbook’ under the ‘services’ section.

Step 3: This will redirect you to a new page. Enter your UAN and password. Fill in the Captcha and Sign In.If the password is unknown, go to UAN portal. In the login page, click “Forgot password” and follow the instructions given by the site accordingly.

Step 4: A six-digit OTP will be sent to your Aadhaar-linked phone number.

Step 5: Enter the OTP and click ‘Verify’. Your PF account balance will be displayed on the screen.

You must ensure that the following requirements are fulfilled before you check your EPF balance check through EPFO portal: 

• You can check your EPF balance on the EPFO portal only if your UAN is activated and registered on the EPFO Portal.
• The facility to view the passbook will be available after six hours of registering on the EPFO Portal.
• The passbook will show the latest entries reconciled by the EPFO Field Offices.
• Exempted establishment members and private trusts cannot view their EPFO balance check on the EPFO Portal.

PF Balance Check Using the UMANG/EPFO App

Employees can check their EPF balance using the UMANG (Unified Mobile Application for New-age Governance) app. The app also allows users to file and track EPF claims. To use EPF services on UMANG, members must complete a one-time registration with their UAN-linked mobile number. Once registered, users can view their balance, claim status, and other EPF details directly on their phone.

Let’s have a look at how you can use the UMANG app to view your EPF transactions:

Step 1: Download the UMANG app from Google Play Store or App Store.

Step 2: Log in to the UMANG app by clicking on the profile picture. Select ‘Services’ and click on the ‘Social Security’ option.

Step 3: Click on ‘EPFO’ option from the list of services.

Step 4: Under ‘Employee Centric Service’, click on ‘ View Passbook’.

Step 5: Enter your UAN number. You will receive a OTP on your registered mobile number.

Step 6: Enter the OTP received on your mobile and click on the ‘Submit’ button.

Step 7: Click on the Company for which you want to view and download the EPF passbook.

Step 8: The passbook will be displayed on the screen.

Step 9: Click on the ‘Download’ button to download the EPF passbook.

How to Check PF Balance Without Using UAN

Members can check PF balance without using UAN through the following methods:  

PF Balance Check Using SMS to Mobile Number 

Once the UAN is integrated with your KYC details, follow these steps:

Step 1: Send an SMS to mobile number - 7738299899.

Step 2: The message must be sent in the format - ‘EPFOHO UAN ENG'.

You’ll have to set your preferred language of communication in the SMS. Just use the first three characters of your preferred language to do so. If you wish to receive updates in English, use the first three characters of the word English, i.e. EPFOHO UAN ENG. If you want to receive the message updates in Marathi, then type in EPFOHO UAN MAR. 

This facility is available in the following languages:

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

You can check PF balance by sending SMS only when your UAN is active and seeded with your bank account, Aadhaar number and PAN. If you have not linked your UAN with your bank account, Aadhaar and PAN, you must complete the eKYC with UAN to check your balance via SMS.

Check PF Balance by Missed Call to Mobile Number

You can inquire about your EPF balance by giving a missed call to the authorised phone from your registered mobile number. This service is only available upon the integration of your UAN with your KYC details. If you are unable to do this, you can take the help of your employer.

Once the UAN  is integrated with your KYC details, follow the steps mentioned below:

Step 1: Give a missed call to 9966044425 from your registered mobile number.

Step 2: After placing a missed call, you will receive an SMS with your PF details.

Note: You must ensure that the following requirements are fulfilled before you check your EPF balance through missed call: 

• The UAN should be linked with other essential documents like PAN, Aadhaar and bank account.
• UAN should be activated.
• Your mobile number should be registered with the UAN since the missed call facility is available only when the missed call is made from your registered number.

You do not have to pay any charge to avail of the EPF balance check through mobile number service.

How to Check EPF Balance for Exempted Establishments?

Employees working in exempted establishments or private trusts cannot check their EPF balance on the EPFO portal, as their PF contributions are managed by a company-run trust, not the EPFO.

To know your PF balance, you must:

• Check your salary slips
• Access the company’s internal employee portal
• Or contact the HR department

While the EPF is a key retirement savings tool, knowing your Universal Account Number (UAN) helps track your PF account, especially during emergencies or job switches. However, in exempted setups, balance access is restricted to the employer’s trust records.