One of the most common questions asked by employees is how to check the accumulated EPF balance in their EPF account. Every month your employer transfers some amount into your EPF account along with your contribution. The EPF passbook reflects the total amount in your EPF account along with the details of the monthly contributions made by you and your employer. Some amount is also deposited in the Employees’ Pension Scheme or EPS, which will be shown separately in the EPS column.
Earlier, employees had to wait for their employer to furnish their EPF statement at the end of every year but now they can easily check their EPF balance both online and offline. There are two online methods :
- EPF Portal
- Umang app on mobile
The offline methods available for the customer are :
- Missed call service
A) Online Modes
a) Checking EPF Balance on the EPF Portal
Members of the EPFO can check their balance by visiting the official website of the Employees’ Provident Fund Organization (EPFO). Follow the steps given below to check your EPF balance online –
Step 1- Visit the official EPFO Website- www.epfindia.gov.in
Step 2- From the ‘Our Services’ drop-down menu, click on ‘For Employees’. You will be redirected to http://www.epfindia.gov.in/site_en/For_Employees.php?id=sm2_index
Step 3- From the ‘Services’ menu, click on ‘Member Passbook’. You will be redirected to the login page. You can directly visit the page by clicking on this link- https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp
Step 4- Login with your UAN and Password.
Step 5- After logging in, you will find Member IDs of all accounts linked with your UAN. This means your EPF accounts with the current and previous employers.
Step 6- Click on the Member ID of the EPF account for which you want to check the balance. The EPF passbook will appear on the screen.
Points to Remember :
There are few points that members should keep in mind about the EPF balance check by visiting the website –
- Only those members who have activated their UAN and have registered on the UAN Member Portal can check their PF balance through this method.
- The facility of viewing passbook will be available after 6 hours of registering on the UAN Member Portal.
- If you have made some changes on the UAN Portal, the same will reflect on the website after 6 hours.
- The passbook will show the latest entries that have been reconciled by the EPFO Field Offices.
- Exempted Establishments Members, Settled Members and members of inoperative accounts will not be able to view their passbook on the EPFO website. If you have stopped contributing to your EPF account for more than 3 years, your account will become inoperative.
b) Checking EPF Balance on the Umang App
EPFO provides various services through the centralised mobile app of the government, called Umang. The app can be downloaded from Google Play Store/App Store. Members can check their balance and download their passbook on this app. Follow the steps given below –
Step 1- Download the application from Play Store/App Store or directly by clicking on this link- https://play.google.com/store/apps/details?id=in.gov.umang.negd.g2c&hl=en_IN
Step 2- Open the Umang app on your smartphone and select EPFO
Step 3- Click on the “Employee Centric Services”
Step 4- Click on “View Passbook” to check your EPF balance
Step 5- Enter your UAN and click on Get OTP to send the OTP to the mobile number registered with UAN. Enter the OTP and click on “Login”
Step 6– Select the member ID of the company for which you want to check the EPF balance
Step 7 – Your passbook will be displayed on the screen along with your EPF balance
B) Offline Modes
a) Checking EPF Balance by Sending an SMS
The members of EPFO can also check their EPF balance just by sending an SMS to 7738299899. The format of the SMS should be-
EPFOHO UAN ENG
So, if your UAN is 123456789000 and your preferred language is English, the SMS that you need to send is- “EPFOHO 123456789000ENG”. The language code will be the first three letters of the language. For example- ENG for English, MAR for Marathi.
EPFO offers its SMS facility in the following languages –
Note that this facility can be used only if your UAN is active and seeded with your Aadhaar, Bank Account and PAN. If you have not seeded your UAN with the above mentioned documents, first you have to complete the eKYC with UAN.
b) Checking EPF Balance by Giving a Missed Call
The easiest way to check your EPF balance is by giving a missed call on this number- 011-22901406. However, a member should fulfill the following requirement in order to use this facility :
- The member’s UAN should be activated.
- The member’s mobile number should be registered with the UAN as the missed call will be valid only when made from a registered number.
- The UAN is seeded with other important documents like PAN, Aadhaar and Bank Account.
When a person switches his job, he has the option to either withdraw his EPF balance or transfer it to the EPF account generated by his new employer. It is advised to transfer the EPF Balance rather than withdrawing it as the latter triggers tax deduction at source if the employment period (with an EPF registered employer) is less than 5 years. The accumulated amount in your EPF account can be transferred into your new account through the UAN Member Portal.
How to Withdraw EPF Balance?
Just like transferring the EPF Balance, withdrawal claim can also be made online as well as offline. For online PF withdrawal, you should activate your UAN and register on the UAN Member Portal. From the portal, you can claim full/partial withdrawal of your EPF Balance. If your PAN data is seeded with the UAN and you are withdrawing the amount before 5 years of service, TDS will be deducted at the rate of 10%. However, if your PAN is not linked to your EPF account, 34.6% TDS will be deducted.
EPF Balance FAQs :
Q1: Can I check EPF balance using Aadhaar number?
Ans:No, you cannot check your EPF balance using Aadhaar. You have to provide your UAN to check EPF balance through any process.
Q2: How to check EPF balance through PF number?
Ans: PF number is not required for checking the EPF balance. You have to use your UAN and password to check the EPF balance online.
Q3:Is there a method to check EPF balance using PAN?
Ans: PAN is not required to check the EPF balance. However, you should link your UAN with EPF to avail various online facilities related to EPF.
Q4: I have not linked my mobile number with EPF. Can I check my balance through SMS without mobile linking?
Ans:EPF balance through SMS can be checked only when it is sent through the mobile number registered with UAN. You have to link your mobile number with UAN.
Q5:I want to check the EPF balance of my previous account. How can I do it?
Ans:All EPF accounts linked to a UAN will be displayed on the screen when you login to the EPF portal. You have to select the respective Member ID to check the balance of a specific account.