‘How to check EPF balance’ is one of the most raised questions by the account holders. The EPF account is credited by the contribution of employee as well as employer every month. The passbook reflects the total amount in your EPF account along with the details of the monthly contributions made by both the parties. Some amount is also deposited in the Employees’ Pension Scheme or EPS, which will be shown separately in the EPS column.
Here is a descriptive article which answers all the queries related to how you can check your EPF balance.
Earlier, employees had to wait for their employer to furnish their EPF statement at the end of every year. But, now the employees can easily check their respective EPF balance both offline and online.
There are two offline methods:
- Missed call service
The online methods available for the customer are :
- EPF Portal
- Umang app on mobile
How to Check Your EPF Balance?
a) 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) 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
c) Through EPFO 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 a 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
Know More About- EPFO Member Portal – Login, Registration, Services, Password Reset & Passbook
d) Through Umang App
EPFO provides various services through the centralized mobile app of the government, called Umang. The app can be installed in Android/iOS through the Google Playstore/App Store respectively. 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‘ option
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
How to Transfer Your EPF Balance into New 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.
Interest on EPF Balance
EPF Interest rates are reviewed and recognised every year by the EPFO Central Board of Trustees. After the recent consultation with the Ministry of Finance, the interest rate for the financial year 2018-19 is 8.50%.
For year 2017-18, the EPF interest rates were set at 8.55% which is now increased FY19.
Calculation of Interest
EPF Contributions consist of Employee’s Contribution (12% of basic salary + Dearness Allowance) and Employer’s Contribution (8.33% + 3.67% + 0.50%) towards the account. The EPF Interest is calculated every month and deposited at the end of financial year. Example-
- Basic Salary + Dearness Allowance= Rs. 15000
- Employee’s contribution= Rs. 1800 (12% of 15000)
- Employer’s contribution towards EPS= Rs.1250 (8.33% of 15000)
- Employer’s contribution towards EPF= Rs.550.5 (3.67% of 15000)
- Total EPF contribution every month= Rs.2350 (Rs.1800 + Rs.550)
Percentage of Interest= 8.50%/12= 0.7083%
Assumption- Employee joined on 1st April 2019
- Total EPF Contribution for April = ₹ 2,350
- Interest on the EPF contribution for April = NA (No interest for the first month)
- EPF account balance at the end of April = ₹ 2,350
- Total EPF Contribution for May = ₹ 2,350
- Total EPF contribution for May = ₹ 4,700
- Interest on the EPF contribution for May = ₹ 4,700 * 0.7083% = ₹ 33.29
How to check EPF Balance of Exempted Establishments/Private Trusts
In case of an exempted establishment/private trusts, one cannot view the EPF Balance or put a request for online withdrawal. However, the information can be drawn by checking the salary slips or by talking to the HR.
How to check EPF Balance of Inoperative Accounts
If an employee does not request for a withdrawal of accumulated EPF balance within 36 months after the age of 55, the account becomes inoperative. The account holders can check the balance in the inoperative EPF accounts on the EPFO helpdesk website.
- Go to “EPFO Inoperative Account Help Desk”
- Enter all the details and query
- Submit request
Next, you query will be forwarded to the concerned EPFO Officer who processes, decodes and provides required solution to the query raised.
Q1: Can I check EPF balance using Aadhaar number?
Ans: No, you cannot check your balance using Aadhaar. You have to provide your UAN to check balance through any process.
Q2: How to check your balance through EPF number?
Ans: EPF number is not required for checking the EPF balance. You have to use your UAN and password to check the 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 log in to the EPF portal. You have to select the respective Member ID to check the balance of a specific account.
Q6: How can I transfer my EPF Balance to my bank account?
Ans: EPF Account balance can be transferred from one EPF account to another. But, you cannot transfer the balance to your bank account if you are currently employed. However, the transfer or withdrawal is possible if you are unemployed for more than two months.
Q7: Who is eligible to check epf balance?
Ans: Individuals having a registered EPF account are eligible to check their account balance. Also, if you are someone above the age of 55 and your account is declared inoperative by the EPFO, you can access your account balance by filling a request on the helpdesk.
Q8: Why my epf balance is not updated?
Ans: The EPF passbook is updated within 24 hours from the time of credit made. You are advised to wait for a while. However, if your balance is not updated after 2 days, you can contact your HR or file a complaint on EPFO helpdesk.
Q9: When EPF balance gets updated?
Ans: EPF Balance is updated in your respective passbook after 24 hours.
Q10: Why my EPF balance is showing zero amount?
Ans: At times, the UAN based contributions to PF accounts are delayed. You can wait for 2 or 3 days after the date on which your account is credit with the amount. However, if the issue continues, you can contact the concerned HR in your company or raise a query on the helpdesk.
Q.11: Where to check EPF balance on passbook?
Ans: Once you have logged in to the account, you can check your EPF balance on passbook under the services segment.
Q.12: How to check EPF balance without UAN?
Ans: In case you have not generated your UAN or you are facing some glitch regarding the same, you can visit the regional EPF office to submit a grievance redressal form. The form is required to be submitted along with KYC documents. After the request is viewed and addressed, the officer will provide you the details along with account balance.