Tata Capital > Blog > Personal Use Loan > How to check PF balance online?
03 November 2026
12 mins read
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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.
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.
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:
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:
PF statements can also be accessed using SMS if you have your UAN activated. Here’s how to check the PF statement.
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.
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.
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:
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:
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:
Note: Knowing how to check PF balance without UAN ensures you can access your PF details even if your UAN is not yet activated.
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.
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.
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.
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.
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.
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 |
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.
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.
Also, read – Pros and Cons of Withdrawing from PF for Home Loan Down Payment
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.
If you’re looking for any financing services, consider applying for a personal loan with Tata Capital. And enjoy a seamless loan experience with benefits like flexible loan repayment, relaxed eligibility criteria, negotiable tenures, speedy processing, and quick fund disbursals.
Don’t have enough time to visit our branch? Fret not! You can also apply for personal finance or any other type of loan by filling out our online application form. Head over to our web portal to partner with us.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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