EPF Balance Check with and without UAN Number

Your Employees’ Provident Fund (EPF) might not be something you think about every day, but it is quietly building your retirement savings in the background. A quick and regular PF balance check can help you plan better, especially if you are thinking about taking a loan, making a withdrawal, or just want to know how much interest you've earned.

Fortunately, it is not necessary to wait until retirement to access the available amount in your EPF account. In this blog, you will learn how to check EPF balance through 2 convenient methods: with and without Universal Account Number (UAN).

What is EPF?

The Employees' Provident Fund (EPF) is a retirement savings scheme in India for salaried employees in the organised sector. The Employees' Provident Fund Organisation (EPFO), a statutory body under the Ministry of Labour & Employment, Government of India, administers EPF.

When an employee starts contributing to the EPF, they are assigned a Universal Account Number (UAN), a 12-digit permanent unique number that ensures their contributions are accurately tracked. Both the employer and employee contribute 12% (currently) of the employee’s salary to the EPF account every month. This contribution is deducted automatically from the employee’s monthly salary and deposited into their account. Over time, these savings grow and become a financial resource for the employee during retirement.

How to check EPF balance online using UAN

1. EPFO portal

   • Firstly, ensure your UAN activation and KYC are complete
   • Visit the EPFO website and go to the ‘Services’ tab, and click on ‘For Employees’
   • Select ‘Member Passbook’ under the ‘Services’ section
   • Enter your activated UAN, password, and the captcha to log in
   • Verify the 6-digit OTP sent to your Aadhaar-linked mobile number
   • Your screen will display your PF balance and transaction details

2. UMANG app

   • Download the Unified Mobile Application for New-age Governance (UMANG) app from the Google Play Store or the Apple App Store
   • Log in to the UMANG app by tapping the profile picture. Go to ‘Services’ and select ‘Social Security’
   • Click on ‘EPFO’ from the given list of services
   • Go to ‘Employee Centric Service’ and click on ‘View Passbook’
   • Enter your UAN and the OTP sent to your registered mobile number
   • After clicking ‘Submit’, select your preferred company
   • You will get the option to download the EPF passbook

How to check PF balance without UAN

1. SMS service

   • Type a message: ‘EPFOHO UAN ENG’
   • Replace ‘ENG’ with the first three letters of your preferred language
   • Available languages: English (ENG), Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL), Bengali (BEN)
   • Send the SMS to the PF balance check number: 7738299899 from your registered mobile number
   • You will receive your EPF balance details shortly
   • Ensure your UAN is linked with your mobile number, Aadhaar, and PAN

2. Missed call

   • Link your UAN to your mobile number, Aadhaar, PAN, and bank account
   • Give a missed call from your registered mobile number to the PF balance check missed call number 9966044425
   • The call will disconnect automatically after a few rings
   • You will receive an SMS with your PF balance and latest contribution details

How to check PF balance for exempted establishments

If you work for a company that has its own private trust instead of using the government’s EPF system, you won’t be able to check your EPF balance on the EPFO portal. It is because your PF contributions go to the company’s trust, not the EPF. To find out your PF balance, you need to check your salary slips, log in to your company’s employee portal, or raise a request to your HR department.

Even if your EPF is another deduction on your salary slip, it is a classic example of how little drops of water make the mighty ocean. Over time, these regular and disciplined savings will form the foundation of a secure retirement fund. You can easily make an EPF balance check through multiple methods, such as the EPFO portal, UMANG app, SMS service, or a simple missed call. Thus, always consider EPF as a planned debit today for a rewarding credit tomorrow.

Frequently asked questions

1. How to check PF balance with UAN no?

   You can perform a PF balance check with UAN number​ through the EPFO portal or the UMANG app.

2. How to do a PF balance check without UAN number?

   You can check your EPF balance without UAN SMS (7738299899) and missed call (9966044425)

3. How to do a PF balance check if your UAN isn't activated?

   For an EPF balance check, you need an activated Universal Account Number (UAN). The steps are: Go to the EPFO member portal, select ‘Services' → ‘For Employees’ → ‘Member UAN/Online Services.’ You will be redirected to the UAN member portal. Once there, click on ‘Activate UAN’ under ‘Important Links,’ enter details, validate the OTP, and activate your UAN.

4. Can you do an EPF balance check using your Aadhaar number?

   No, you can't check your EPF balance with your Aadhaar number. You'll need your UAN (Universal Account Number) for a PF balance check.

5. How to check EPF balance from a previous employment?

   When you do the EPF login with your UAN, you'll see all your linked EPF accounts, including those from previous employers. Simply click on the member ID of your old account to check its balance.