The Employees’ Provident Fund (EPF) is one of the most important savings schemes for salaried people in India. It is managed by the Employees’ Provident Fund Organisation (EPFO). Every month, a small part of your salary is deposited in your PF account, along with a matching contribution from your employer. Over time, this amount grows into a big savings fund, which helps you in retirement or in emergencies.
But many people wonder – How can I check my EPF balance? The good news is that the EPFO has made it very simple. You don’t need to visit the office or fill out long forms. Today, you can check your PF balance in just a few minutes using your phone or computer.
In this article, we will explain all the easy methods to check your EPF balance.
Why is Checking EPF Balance Important?
- It helps you know how much money you have saved for the future.
- You can plan your financial needs and retirement goals better.
- It helps you track whether your employer is depositing money regularly.
- You can make decisions about withdrawal, loans, or transfers with clarity.
Methods to Check Your EPFO Balance
There are mainly four easy methods to check your PF balance:
- Using the EPFO Website (UAN Portal)
- Through UMANG Mobile App
- By Sending an SMS
- By Giving a Missed Call
Let’s understand these one by one.
1. Check PF Balance on EPFO Website
The EPFO has an online portal where you can easily see your balance.
Steps:
- Go to the official website: https://www.epfindia.gov.in.
- Click on ‘Our Services’ and then ‘For Employees’.
- Select Member Passbook.
- Enter your UAN number (Universal Account Number) and password.
- After logging in, you can see your PF balance and passbook details.
2. Check PF Balance with UMANG App
UMANG (Unified Mobile Application for New-age Governance) is a government app that provides many online services, including EPFO.
Steps:
- Download the UMANG app from the Play Store or App Store.
- Register your mobile number.
- Go to EPFO option in the app.
- Select Employee Centric Services → View Passbook.
- Login with your UAN and OTP sent to your registered mobile.
Within seconds, your PF balance will be shown on your screen.
3. Check PF Balance by SMS
If you don’t have internet, you can still know your PF balance by sending an SMS.
Steps:
- Send an SMS from your registered mobile number in this format:
EPFOHO UAN ENG
(Here ENG is for English. You can also use HIN for Hindi, TAM for Tamil, etc.) - Send this SMS to 7738299899.
You will receive an SMS with your latest PF balance details.
4. Check PF Balance by Missed Call
This is the easiest method if your mobile number is linked with your UAN.
Steps:
- Give a missed call to 9966044425 from your registered mobile number.
- You will get a message with your PF balance details.
No internet is needed for this option.
Things to Remember
- Make sure your UAN is activated. Without UAN activation, you cannot check your balance.
- Your mobile number must be linked with your UAN.
- Keep your Aadhaar, PAN, and bank details updated in the EPFO records.
- Always check your PF passbook regularly to ensure that contributions are being made on time.
Benefits of Knowing Your PF Balance
- Transparency – You know how much savings you have.
- Financial Planning – Helps in planning for emergencies, loans, or retirement.
- Trust – You can be sure that your employer is depositing the correct amount.
- Quick Access – No need to visit offices or wait for paperwork.
Final Thoughts
The EPFO has made checking your PF balance very simple and quick. Whether you prefer using a smartphone, internet, or even a basic mobile phone, there is an option for everyone. With the website, UMANG app, SMS, or missed call, you can check your EPF balance anytime and anywhere.
So, don’t wait until retirement to know your savings. Start checking your PF balance regularly and take charge of your financial future
