EPF Balance Check Made Easy: Know Your PF Amount in Just Minutes

Are you working in a private company in India and getting monthly salary with EPF deductions? Then you must know that every month a part of your salary goes into your Employees’ Provident Fund (EPF) account. Your employer also contributes the same amount. Over time, this amount grows and helps you build a retirement fund. But do you know how much money is already deposited in your PF account? If not, you can check your EPF balance in just a few minutes.

With the help of digital tools and services offered by Employees’ Provident Fund Organisation (EPFO), it is now very simple to track your EPF balance online and offline. You don’t need to visit any office or fill long forms. All you need is your UAN (Universal Account Number) and a few clicks or taps on your phone.

In this article, we will guide you in the simplest way on how to check your EPF balance using different methods such as:

• UAN portal
• UMANG app
• SMS
• Missed call
• EPFO app

We will also explain what EPF is, how UAN helps, and what details you can find when checking your PF balance.

What Is EPF and Why Is It Important?

EPF, or Employees’ Provident Fund, is a savings scheme for salaried employees in India. It is managed by EPFO, a government body under the Ministry of Labour and Employment. The main aim of EPF is to help employees save money for retirement or future needs.

Every month, 12% of your basic salary (plus dearness allowance, if applicable) is deducted and deposited into your EPF account. Your employer also contributes 12%, out of which 8.33% goes to EPS (Employees’ Pension Scheme) and the rest goes to EPF.

Over the years, this amount earns interest and grows into a good corpus. EPF is tax-free, secure, and highly beneficial for long-term savings.

What Is UAN and Why You Need It to Check EPF Balance?

UAN (Universal Account Number) is a unique 12-digit number given to each EPF member. It stays the same throughout your job life, no matter how many companies you change.

Your UAN links all your PF accounts from different employers under one umbrella. With UAN, you can:

• Check EPF balance
• Download EPF passbook
• Track employer contributions
• Transfer PF from one account to another
• Update KYC details

To check your EPF balance, activating your UAN is compulsory. If you don’t know your UAN, ask your HR or check your salary slip – it is usually mentioned there.

Different Ways to Check EPF Balance in Minutes

Now let’s look at the different ways through which you can check your EPF balance easily. You can choose any method that suits you best.

✅ 1. EPF Balance Check through UAN Portal

This is one of the most reliable and detailed ways to check your PF balance.

Steps to Check PF Balance Using UAN Portal:

1. Visit the EPFO member portal: https://www.epfindia.gov.in
2. Click on ‘For Employees’ under the ‘Our Services’ section.
3. Choose ‘Member Passbook’ from the menu.
4. You will be redirected to the EPF passbook portal: https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp
5. Enter your UAN number and password.
6. After login, you will see the names of companies where you’ve worked.
7. Click on any company name to view your passbook.
8. You can see all monthly contributions and current balance.
9. You can also download and print the passbook.

Note: Your UAN should be activated, and KYC (Aadhaar, PAN, bank details) should be updated.

✅ 2. EPF Balance Check through UMANG App

The UMANG app (Unified Mobile Application for New-age Governance) is a government app that allows users to access multiple government services from one place, including EPFO services.

Steps to Check EPF Balance Using UMANG App:

1. Download and install the UMANG app from Google Play Store or App Store.
2. Register using your mobile number and OTP.
3. In the search bar, type ‘EPFO’ and select the service.
4. Choose ‘Employee Centric Services’.
5. Click on ‘View Passbook’.
6. Enter your UAN and OTP sent to your registered mobile.
7. Your passbook with total PF balance and employer contributions will be displayed.

Advantage: You can also raise claims, view claim status, and track pension using the app.

✅ 3. EPF Balance Check through SMS

This is the quickest and easiest way to check your PF balance without internet.

How to Check EPF Balance through SMS:

• Send an SMS in this format:

EPFOHO UAN ENG
(Replace ENG with your preferred language code: HIN for Hindi, TAM for Tamil, etc.)

• Send this SMS to 7738299899 from your registered mobile number.
• You will get an SMS reply with your PF balance, UAN details, and last contribution made.

Example: If your UAN is 123456789000 and you want info in English, send:
EPFOHO 123456789000 ENG

Available languages: English, Hindi, Tamil, Telugu, Malayalam, Kannada, Marathi, Gujarati, Punjabi, Bengali.

Note: Your UAN must be activated and linked with your Aadhaar and PAN for this to work.

✅ 4. EPF Balance Check through Missed Call

If you don’t have a smartphone or internet, you can use this offline method.

How to Check EPF Balance via Missed Call:

• Give a missed call to 9966044425 from your registered mobile number.
• The call will disconnect automatically.
• You will receive an SMS with your PF balance, UAN, and latest deposit info.

Tip: Make sure your mobile number is linked with UAN and KYC details are updated.

✅ 5. EPF Balance Check Using EPFO App (M-Sewa)

EPFO also has its official app called M-Sewa which offers various member services.

Steps to Use EPFO M-Sewa App for Balance Check:

1. Download the M-Sewa app from Google Play Store.
2. Open the app and tap on ‘Member’.
3. Click on ‘Balance/Passbook’.
4. Enter your UAN and mobile number.
5. You will receive an OTP for login.
6. After verification, your passbook will open showing complete balance and contributions.

Note: This app works only if your UAN is active and KYC is complete.

What Information Will You See in EPF Passbook?

Your EPF passbook will contain the following details:

• Establishment ID and company name
• Member ID
• Monthly contributions from both employee and employer
• Total balance in EPF
• Pension fund (EPS) contributions
• Interest earned
• Any withdrawals or transfers made
• Opening and closing balance

You can check these details to make sure your employer is depositing the right amount regularly.

Common Problems You May Face While Checking EPF Balance

Sometimes you may face issues while checking your EPF balance. Here are a few common reasons and how to fix them:

❌ UAN Not Activated

Fix: Visit https://unifiedportal-mem.epfindia.gov.in/ and activate your UAN using Aadhaar, PAN, or member ID.

❌ Mobile Number Not Registered or Changed

Fix: Update your mobile number through your employer or UAN portal.

❌ KYC Not Updated

Fix: Log in to the UAN portal, go to the ‘Manage’ section, and update KYC details.

❌ Wrong Password or OTP Not Received

Fix: Reset password through the UAN login portal, check mobile network, or try again after some time.