Summary A Provident Fund (PF) balance is the amount of money that has accumulated in your employee’s retirement savings account. It comprises the monthly contributions you and the employer have made over the years, and the interest earned over time. PF balance check or EPF balance check is the process of viewing the amount in your PF account. You can check it online through the UMANG app or the EPFO Member Portal using your Universal Account Number (UAN). Alternatively, you can send an SMS or give a missed call to the PF balance check number for details.
Checking your PF balance online is easy with the UMANG app or the EPFO Member Portal. The process lets you confirm that your employer is correctly depositing your retirement funds.
Wondering how to check PF balance? It is a good practice to regularly check your PF balance online as part of your financial planning. You can efficiently plan for your retirement or re-invest in the future by assessing your EPF amount. Being informed of your PF balance also helps you feel financially secure and ready in case of unexpected expenses. If you do not know how to check your PF balance online, keep reading. We’ve explained the process here in detail.
It is thanks to the new rules introduced by the Employee’s Provident Fund Organization (EPFO) that the process of online PF check has now become quite accessible and convenient to its account holders.
Hence, you do not have to wait until the year-end for your employer to share the PF statement. To understand how the online process works, follow the step-by-step guide below.
In this article, you will learn how to check EPF balance and check PF account balance online.
How to check your PF account balance online?
Knowing how to check your PF account balance helps you ensure that your employer is depositing contributions on time. It allows you to track the interest earned and estimate your retirement savings. Discrepancies can also be identified quickly. You can check your PF balance through various methods. You can view it on the EPFO portal or the UMANG app. Sending an SMS or giving a missed call on the PF balance check number is also possible.
How to check PF account balance online using the app?
The Unified Mobile Application for New-age Governance (UMANG) app is a government mobile application that lets you access various EPFO services in one place. It is available for download from the Play Store (for Android users) and the App Store (for iOS users). To register, use your mobile number linked to your UAN. You can check your PF balance, view your passbook, verify your KYC details, and raise or track EPF claims.
The step-by-step process to check your PF balance using the UMANG app is as follows:
Download the UMANG app from the Google Play Store or Apple App Store.
Complete the one-time registration using the mobile number linked to your UAN.
On the home screen, select EPFO.
Tap ‘Employee Centric Services’.
Select ‘View Passbook’.
Enter your UAN and the OTP sent to your registered mobile number.
Click ‘Log In’ to view your EPF passbook, account balance, and transaction details.
How to check PF account balance online on the website?
The EPFO Member Portal allows you to check your PF balance and view your EPF passbook online. To access your account, you need an active UAN and password. On the portal, you can also view your contribution history and download your passbook wherever required.
The steps to follow to check PF account balance through EPFO are:
Visit the EPFO Member Portal and log in to your account.
Click on the ‘Services’ tab at the top of the homepage.
Select ‘For Employees’ from the drop-down menu.
Click ‘Member Passbook’ under the ‘Services’ section.
Enter your UAN, password, and the captcha code, then click ‘Log In’.
Once logged in, you can view your EPF passbook, account balance, and transaction history.
How to check PF balance through SMS?
PF statements can also be accessed using SMS if you have your UAN activated. Here’s how to check the PF statement.
How to check EPF balance:
First, you need to get your UAN number. How to get a UAN number through SMS? Well, you can recover lost UAN and view the latest PF statement through just one SMS. Simply send an SMS ‘EPFOHO UAN ENG’ to the following contact number: +91 7738299899.
Make sure to use the number registered with your UAN when sending the SMS. If you prefer languages other than English, change the last three characters of the message accordingly. You can check the available languages. The SMS service provides 24×7 support.
How to check PF balance via missed call?
Another way to check your PF balance is by giving a missed call to 011-22901406 from your registered mobile number. You will immediately get a response with your PF details. A prerequisite to avail of this service is that your UAN must be linked with your Aadhaar number, PAN (Permanent Account Number), and bank account.
What is UAN, and how does it help in PF balance check?
Your Universal Account Number (UAN) connects all your PF accounts, allowing you to easily track contributions. You can check your PF balance with UAN through the EPFO portal or the UMANG app. However, you must activate your UAN as it gives you secure online access to your EPF account. It allows you to check your PF balance and download your passbook online and verify monthly employer and employee contributions. You can also update your personal details, submit and track EPF withdrawal or transfer claims.
Here are some common issues users may face while trying to activate UAN along with their solutions:
OTP not received: If you are not receiving the OTP, ensure your mobile number is linked to your UAN and has network connectivity. Try requesting the OTP again after a few minutes.
Incorrect personal details: Verify that your name, date of birth, and Aadhaar details match the records available with EPFO.
UAN already activated: If your UAN is already active, use the Forgot Password option to reset your password instead of activating it again.
Invalid UAN or Member ID: Double-check the UAN provided by your employer or on your salary slip before proceeding.
Technical errors: If the portal is temporarily unavailable, wait for some time and try again later, or use the UMANG app as an alternative.
How to activate your UAN for PF balance check?
Activating your UAN is a must before you can check your PF balance online. Once activated, it allows you to log in to the EPFO Member portal or the UMANG app to access your PF passbook, track contributions, update KYC details, and raise claims. UAN activation is a one-time process and takes only a few minutes.
The step-by-step process to activate your UAN is as follows:
Visit the EPFO Member portal and click ‘Activate UAN’.
Enter your UAN, Aadhaar number, PAN, or Member ID, along with your name, date of birth, and registered mobile number.
Complete the captcha verification and click ‘Get Authorization PIN’.
Enter the OTP received on your registered mobile number.
Submit the details to complete the verification.
Once your UAN is activated, you will receive login credentials or be prompted to create a password for your account.
Why should you regularly check your PF balance online in India?
Regularly checking your PF balance online helps you stay informed about your retirement savings and ensures that your monthly EPF contributions are being credited correctly. You and your employer both contribute to your PF account every month. When you review your balance, you can spot missing or delayed deposits early and avoid complications during withdrawals, transfers, or retirement benefits.
The EPFO processes millions of PF contributions every month. This increases the chances of occasional errors, such as delayed employer deposits, incorrect UAN mapping, or missing contributions. By checking your PF balance regularly, you can identify and resolve such issues before they affect your savings.
The benefits of checking your PF balance regularly are:
Verify monthly contributions: Confirm that both your and your employer’s EPF contributions have been credited correctly.
Detect discrepancies early: Identify missing, delayed, or incorrect deposits before they become larger issues.
Track interest earnings: Monitor how your retirement savings are growing with annual EPF interest.
Plan withdrawals better: Estimate the amount available for eligible withdrawals, advances, or retirement.
Ensure account accuracy: Check that your service history and PF records are correctly maintained.
Avoid claim delays: Resolve contribution or KYC-related issues in advance to ensure faster claim processing.
Strengthen retirement planning: Regular monitoring helps you make informed financial decisions and stay on track with your long-term savings goals.
How to check PF balance via SMS?
Step 1: Ensure your mobile number is registered with EPFO.
Step 2: Send an SMS in the format ‘EPFOHO UAN ENG’ to 7738299899.
Step 3: You will receive your PF balance on your registered mobile number.
How to check PF balance via missed call?
Step 1: Make a missed call to EPFO’s designated number, 9966044425, from your registered mobile.
Step 2: You will receive an SMS with your PF account balance and other details.
Note: Knowing how to check PF balance without UAN ensures you can access your PF details even if your UAN is not yet activated.
What are the top benefits of a PF account you should know?
Retirement savings aren’t the only benefit of a PF account. The investment tool helps you build long-term wealth and earn tax-free interest. It also provides access to funds during emergencies and lets you secure your financial future through various member benefits and protections.
Here are the reasons why you should have a PF account.
Capital appreciation
The EPF or PF online scheme offers a guaranteed rate of return which is higher than many other fixed-return instruments. Presently, the EPF guarantees an interest rate of 8.10%. Also, know that earnings up to Rs 1.5 lakh are tax-free under Section 80C.
Loan against PF
Your PF is not a static investment collecting interest return alone. You can wield it without breaking it. How? By taking a loan against it. Should an emergency befall, you can borrow as much as your present PF balance without breaking it at a nominal interest rate of 1%. The tenure to return this amount is typically 36 months.
Insurance at no additional cost
Thanks to the EDLI Scheme, the insurance amount on PF has been increased from Rs. 6 lakh to Rs 7 lakh. This means that if a PF holder passes away during service, their beneficiary becomes eligible to receive this amount. The PF holder doesn’t pay any premium for this death cover.
Quick premature withdrawal
Long gone are the days when withdrawing funds from the PF was an uphill task. Today, with e-governance and all the technology at our fingertips, holders can apply for partial or full withdrawal to meet specific needs, such as medical emergencies, funding higher education, or anything else. What’s more, they can liquidate their EPF online.
PF premature withdrawal conditions
You can opt for partial or complete PF withdrawal based on your preferences. The conditions under which you can choose either include:
Partial PF withdrawal
Complete PF withdrawal
In case of a medical emergency
If you have been unemployed for over two months
To fund your higher education
If you have retired
To purchase, construct, or renovate a property
If you are between jobs or are about to switch employers. In this case, you can withdraw your previously deposited PF amount; however, the transition period must be over two months. If you switch from an old employer to a new employer within a matter of days, and the new employer is willing to contribute to PF, you will stay invested.
To fund a wedding
Housing finance repayment
You can borrow up to 90% of PF funds for the specific purpose of constructing your home or buying it from a developer. Not only this, but you can also withdraw this amount to repay your home loan installments or purchase a plot of land.
Pension corpus
If you regularly contribute even the minimum monthly amount into your PF for 15 years, you become eligible for a pension once you turn 58. Your pension benefits come from your employers’ PF contribution.
Conclusion: Keeping track of your PF balance online
Previously, it was a challenge to keep track of your PF or access any other financial services. But now, it is easy to access and manage your finances by just using your smartphone. And after reading this article, you know all the ways to check your PF account balance. So, make use of the online services and keep all your finances in order without having to visit the government office.
Also, make a PF account balance check the first task on your To-Do list at the start of every year. This will ensure efficient assessment and planning of your finances. You can then use the PF corpus for various reasons, including medical emergencies, wedding expenses, and repayment of home loans.
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You can check your PF balance online using your UAN by logging in to the EPFO member portal or the Umang app. After logging in, select ‘View Passbook’ to access your PF account balance online instantly.This allows you to easily track contributions from both you and your employer.
Can I check my PF balance without UAN?
Yes, it is possible to check the PF account balance without a UAN via SMS in the format ‘EPFOHO UAN ENG’ to 7738299899, or via the EPFO's missed call service at 9966044425. Ensure your mobile number is registered with your PF account.
When does the EPF balance get updated?
Your PF account balance online is updated regularly, usually after your employer deposits the monthly contribution. Processing time may vary, but once updated, you can view your PF balance online. Keeping track online ensures transparency and helps manage your retirement planning effectively.
Is it possible to check PF balance using only the Aadhaar card?
Yes, you can check your PF balance online using your Aadhaar if it is linked to your UAN. This allows EPFO to authenticate your identity and provides secure access to your PF account balance online, making it convenient even if you do not remember your UAN.
How do I find my UAN number for checking PF balance?
To check the PF account balance online, you need your UAN. You can locate it through your employer, salary slip, or by visiting the EPFO portal and using the PF number check facility. Having the UAN ensures easy, safe online verification of the PF balance.
Can I check my PF balance for previous employers?
Yes, you can view your PF account balance online for previous employers by logging in to the EPFO portal and linking your old PF accounts to your UAN. This online PF check helps consolidate your retirement funds, giving you a complete view of your total EPF balance.
What is the UMANG app and how to use it for PF balance check?
The UMANG app is a government mobile application that provides various online services, including EPF balance check. Log in using your mobile number, select EPFO services, verify your UAN with OTP, and view your PF balance and passbook.
How often is my PF balance updated?
Your PF balance is usually updated after your employer deposits the monthly PF contribution. It may take a few days for the amount to appear in your account, depending on when the employer files the EPF return.
What should I do if my PF balance is not updated?
If you check your PF balance and realize that it is not updated, you must first confirm that your employer has deposited the contribution. If that is done, wait for a few days after the due date. If the issue persists, raise a grievance with EPFO or contact your employer.
How to activate UAN for PF balance check?
To activate UAN for PF balance check, you need to visit the EPFO member portal and select the UAN activation option. Enter your UAN, personal details, and registered mobile number. Verify the OTP received on your phone, create a password, and activate your UAN successfully.
11 August 2026
12 mins read
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