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Complete Guide to Checking Your EPF Balance Online and Offline

Team AckoAug 16, 2023

If you're an employed individual in India, chances are you contribute to the Employee Provident Fund (EPF). It is a retirement savings scheme initiated by the government to ensure financial security for employees. As a member, it's essential to keep track of your contributions and know your EPF balance. In this article, we'll walk you through the various methods to check your EPF balance.

Contents

How to check EPF balance Online Methods
- EPFO’s website
- EPF balance through UMANG App
How to check EPF balance Offline Methods
- Check EPF balance via SMS
- Missed call facility for EPF Balance
Frequently Asked Questions (FAQs)

How to check EPF balance Online Methods

In this digital age, accessing your EPF balance online is quick, convenient, and secure. Here are different ways in which you can check your EPF balance using the online method.

EPFO’s website

The most direct way to check your EPF balance is by visiting the official website of the Employees' Provident Fund Organization (EPFO). Follow these steps.

Visit www.epfindia.gov.in.
Click on the “Services” tab and select "For Employees".
Select "Member Passbook" under the "Services" section.
Log in with your Universal Account Number (UAN) and password.
Verify the captcha code.
Once logged in, you can view your EPF passbook, which contains all the details of your contributions and balance.

EPF balance through UMANG App

The Government of India's UMANG (Unified Mobile Application for New-age Governance) app is a one-stop solution to access various government services, including EPF. Here's how you can have a look at your EPF balance using the UMANG app.

Register on the app using your mobile number and create a password.
Select the EPFO option and choose "Employee Centric Services".
Choose "View Passbook" and log in with your UAN and password.
Your EPF passbook will display your current balance along with transaction details.

How to check EPF balance Offline Methods

Check EPF balance via SMS

For those who prefer the simplicity of SMS, EPFO offers an SMS-based service to check your EPF balance. Here's how to use this method.

Ensure that your UAN is integrated with your KYC details like Aadhaar, PAN, and bank account.
SMS from your registered number to 7738299899. Keep the format as follows: "EPFOHO UAN ENG."
Replace the last part of the format with the first 3 characters of the preferred language (e.g., "HIN" for Hindi).
Shortly, you'll receive an SMS with your EPF balance details.

Missed call facility for EPF Balance

EPFO also provides a missed call service to know your EPF balance. Here's how to use it.

Ensure your UAN is linked to your mobile number.
From your registered mobile number, give a missed call to 9966044425.
You'll receive an SMS with your EPF balance and other details.

Frequently Asked Questions (FAQs)

Here are some FAQs related to EPFO, UAN, and EPF balance.

What is the meaning of a UAN?

UAN is the short form for Universal Account Number. Every member of the EPFO receives this number. It has 12 digits.

Is it possible that a single mobile number can be associated with varied UANs?

A single mobile number will be registered with a single UAN. Therefore, one mobile number should not be used for two different UANs.

Can UAN be activated via the offline mode?

UAN can be activated only via the online mode, it cannot be done offline.

Can I check my EPF balance online without a UAN?

UAN is mandatory for online EPF balance checks.

How often should I check my EPF balance?

It's advisable to check your EPF balance regularly, at least once every six months, to stay updated on your savings. Checking the balance frequently will help you get a sense of your finances so that you can take other investment-related calls accordingly.

What to do if I am unable to view my passbook?

This can happen if you are working for an organisation that is classified as an exempted establishment. To obtain their PF balance information, employees can refer to their salary slips or submit a request to the HR department for the relevant details.

Why is it crucial to track EPF balance?

Keeping track of your EPF balance, especially if you have changed jobs, is crucial for financial planning and ensuring a secure retirement.

Can I view my EPFO passbook through an app?

Yes, you have the option to view your EPFO passbook via the UMANG app.

I am going to change my job. What should be done regarding the UAN and EPFO balance?

You are required to share your UAN with your new employer.

Can I withdraw my entire EPF balance after resigning from a job?

In most cases, you can withdraw your entire EPF balance after resigning from a job and being unemployed for two months. However, there are certain conditions and tax implications. Please go through the details and then make an informed decision.

Should I keep track of employer and employee contributions to EPF?

It's essential to understand how your EPF balance is calculated and how the contributions work to ensure you have a clear picture of your retirement savings.

Is the EPF interest rate flexible?

The EPF interest rate is subject to periodic changes and is declared by the government.

When is the EPF interest rate compounded?

The EPF interest is compounded annually.

Can I check my balance in another language apart from English?

Yes, the SMS facility can be used to check balance in one’s preferred language apart from English. You can choose from 10 different languages while using the SMS option to check your EPF balance.

Disclaimer: The content on this page is generic and shared only for informational and explanatory purposes. It is based on several secondary sources on the internet, and is subject to changes.