Personal Use Loan

How To Check PF Balance Online?

Q: How to check PF account balance with my UAN?

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.

Q: 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.

Q: 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.

Q: 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.

By Tata Capital
01 December 2025
10 mins read
2417

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 Organisation (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.

Know How to check PF account balance

How to check PF Account balance online using the app?

You can view your PF balance by using ‘UMANG (Unified Mobile Application for New-age Generation).’ It can be downloaded on your smartphone from Play Store (for android users) or Apple Store (for iOS users). UMANG is a government-launched app that provides access to various government services on a single platform.

Here’s how, To check EPF balance, you only need to make an initial registration. And for this, make sure you use the mobile number that is linked with your UAN (Universal Account Number). You can find the UAN number on your payslip or get it from your employer to start your UAN balance check.

Upon completion of the registration, you can access your PF details, including PF balance, KYC status, raise and track claims. Here is how to check PF balance online.

Step 1. Go to the app and click on the EPFO option.

Step 2. Now select ‘Employee Centric Services.’

Step 3. Choose ‘View Passbook’ from the various options on the screen.

Step 4. Enter your OTP (One-Time Password) and UAN. Balance check requires both these fields for two-factor authentication.

Step 5. Click on ‘Log in’ to access your EPF transactions and balance statement.

How to check PF Account balance online on the website?

You can access your EPF passbook by using the EPFO portal. Just keep your UAN handy, as this is a UAN balance check. Here is how to check PF balance with UAN Number online:

Step 1. Log in by visiting the EPFO portal.

Step 2. Click on the ‘Services’ tab that you will find at the top of the page.

Step 3. Select ‘For Employees’ from the drop-down menu.

Step 4. Select ‘Member Passbook’ under the Services section. This will direct you to another page.

Step 5. Input the UAN and password along with the captcha. Click on ‘Login.’

You can view your PF statement once you’re directed to the webpage.

How to check PF balance through SMS?

PF statement can also be accessed using the 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 Aadhar number, PAN (Permanent Account Number) and bank account.

Also, read – Everything You Need to Know About EPF Loans: A Comprehensive Guide

Why Regularly Check Your PF Balance Online in India?

Regularly checking your PF balance online is crucial to staying informed about retirement savings and overall financial planning. So, why check PF balance online? Doing so helps track contributions from both the employee and the employer, ensuring that funds are credited accurately.

It also enables early identification of discrepancies, allowing them to be resolved promptly and preventing potential issues that could affect future benefits. A timely PF balance check can support efficient planning for withdrawals or loans, helping achieve both short and long-term financial goals.

Understanding the importance of a PF balance check empowers better control over financial well-being, fosters informed decision-making, and promotes confidence in managing personal finances. Staying proactive with PF monitoring ensures retirement planning remains on track.

Also, read – EPF Advance v/s Short-Term Personal Loan

Understanding Your UAN (Universal Account Number) for PF Balance Check

Your UAN connects all your PF accounts, allowing you to easily track contributions. PF balance can be checked using your UAN through either the EPFO portal or the UMANG app.

PF Balance Check Using EPFO Portal

Step 1: Visit the EPFO website.

Step 2: Go to ‘Employee’ and select ‘Member Passbook’.

Step 3: Enter your UAN and password.

Step 4: Complete the captcha or enter the OTP sent to your registered mobile. Your PF balance and contribution details will be displayed.

PF Balance Check Through UMANG App

Step 1: Download and install the UMANG app, then register using your mobile number.

Step 2: Select EPFO services and tap ‘View Passbook’.

Step 3: Enter your UAN and verify with OTP.

Step 4: Your PF balance and contribution details will be displayed.

Note:

If you are unsure how to find UAN, check your salary slip or contact your employer.
Ensure to activate UAN to access the account and all PF services.

How to Check PF Balance Without UAN

You can check your PF balance without UAN using simple SMS or missed call options, making it easy to stay updated on your retirement savings.

PF Balance Check 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.

PF Balance Check 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.

Also, read – PF Withdrawal Online Process

Top Benefits of PF Account You Should Know

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 earning up to Rs 1.5 lakhs is tax-free under Section 80 C.

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 lakhs to Rs 7 lakhs. This means that if a PF holder passes away during service, their benefactor becomes eligible to receive this amount. The PF holder doesn’t pay any premium to 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 Pre-Mature Withdrawal Conditions

If you opt for a complete PF withdrawal, you can do so under the following circumstances.

If you have been unemployed for over two months.
If you have retired.
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.

If you opt for a partial PF withdrawal, you can do so under the following circumstances.

In case of a medical emergency.
To fund your higher education.
To purchase, construct or renovate a property.
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 instalments 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.

Also, read – Pros and Cons of Withdrawing from PF for Home Loan Down Payment

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 smartphones. And after reading this article, you know all the ways to check 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 and 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.

For more details, connect with us now!

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FAQs

How to check PF account balance with my UAN?

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.

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