HOW TO CHECK PF BALANCE

As an employee, no matter which industry or sector you work in, timely and thoughtful financial planning is absolutely essential for developing profitable investment strategies and meeting your monetary goals. There is no shortage of financial instruments meant to serve specific purposes, but when it comes to long-term retirement savings, the PF, provident fund or EPF remains a highly sought-after tool. While most Indians admire the relevance of PF, there seems to be a lack of clarity around PF account balance and employees' provident fund balance checks.

Let's define a PF account, understand how to check EPF balance and how to check provident fund balance online. We'll explore the EPF portal, UMANG App, UAN, and the possibility of a PF balance check with the UAN number plus the PF missed call number.

Key Takeaways?

• PF or EPF is a fairly admired compulsory social security arrangement from the government.
• A universal account number, or UAN, is the key identification component that brings uniformity.
• Techniques for revealing the PF balance with or without UAN include online, app-based, physical, and mobile phone options.
• A list of prerequisites ranges from UAN plus mobile contact registration and activation to linking UAN with your KYC details.

 What is a PF Account?

A PF or provident fund account, technically called 'An Employee Provident Fund' account, can be best described as a GOI-backed mandatory social security and long-term savings scheme for salaried employees in the country. Managed by the Ministry of Labour & Employment's Employees Provident Fund Organization (EPFO), it allows employers and employees to equally contribute towards a savings corpus that can be availed after switching jobs or upon retirement.

 What is the UAN Number?

The 12-digit universal account number, or UAN, is a unique identification issued by the Employees' Provident Fund Organisation or EPFO to all Indian employees contributing to the Employees' Provident Fund or EPF. It is disseminated through the employers and remains the same throughout every employee's working journey, irrespective of the job changes. The UAN performs as an umbrella covering multiple member IDs allotted to individuals by various establishments.

PF Balance Check without UAN

Check PF Balance Official EPFO Website

Your UAN must be activated and duly registered on the EPFO website.

Step 1: Visit to the EPFO portal.

 

 

 

 

Step 2: Click 'Services' on the Home page top menu.

 

 

 

Step 3: Select 'For Employees.'

 

 

Step 4: On the fresh page, click 'Member Passbook.'

 

 

Step 5: Now enter your UAN number and password.

 

 

Step 6: Sign in.

Step 7: Enter the OTP (one-time password) received on your Aadhaar-linked mobile number.

Step 8: Click 'Verify' to view your PF balance.

Check EPF Account Balance Using “Umang” Mobile App

Download and install the Unified Mobile Application for New-age Governance (UMANG) app on your mobile.

Step 1: Complete one-time registration.

Step 2: Login utilizing your UAN-linked mobile.

Step 3: Select ‘Employee Centric Services’.

Step 4: Click on ‘View Passbook’.

Step 5: Enter the UAN and OTP.

Step 6: Click 'Submit' to view your EPF balance.

 PF Balance Check without UAN

PF Balance Check with Mobile Number

Call from your registered mobile without any charges.

Step 1: Give a missed call to the PF balance enquiry number 099 660 444 25.

Step 2: The call gets disconnected after two rings.

Step 3:  Receive an SMS with the PF balance and last contribution details.

 

PF Balance Check by Sending an SMS

Compose and share a text message.

Step 1: Decide on the preferred language.

Step 2: Be mindful of the last three letters of the text message to be sent.

Step 3: Understand that the last three letters reflect your chosen language.

Step 4: Write a message in the format 'EPFOHO UAN ENG' if the English language is opted as a mode of communication.

Step 5: Send the SMS to 773 829 98 99.

Step 6: View your PF balance as a response.

The SMS facility can be availed in the following languages: English (ENG), Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL) and Bengali (BEN).

 Other Methods for Employees' Provident Fund Balance Check

Via Employer, HR or Payroll Department

The route can also be utilized for private trusts and exempted establishments.

Step 1: Raise a request with the HR division.

Step 2: Reach out to the company's employee portal.

Step 3: Know your EPF balance.

 Through PF Account Number (Offline Mode)

A visit to the EPFO office.

Step 1: Contact your nearest local EPFO regional office.

Step 2: Present a valid ID.

Step 3: Know your PF balance.

 Key Requirements for Checking PF Balance

There are ample options to check your EPF balance. Be it with or without UAN, via the EPFO website or the UMANG app, through your mobile missed call or message, by reaching out to HR, or simply going to the physical premises. That said, the following criteria should be considered before attempting to check the PF balance:

Via EPFO Portal: The UAN should be registered and activated on the EPFO portal.

Via UMANG App: Your mobile number must be linked to the UAN.

Through Missed Calls & Sending SMS: The mobile number should be registered with UAN, and the activated UAN must be linked to your PAN, Aadhaar, and bank account.

 The idea behind keeping an eye on PF balance has more to do with systematically tracking your EPF savings than merely verifying employer contributions. EPF undoubtedly brings financial security and peace of mind. However, it still leaves sufficient room for another protective cover capable of offering financial assistance for your loved ones and taking care of your retirement days. That's where a life insurance policy comes in handy!

Turn towards QuickInsure, scan multiple life policies, review their features and pricing structures, and finalize the right one for yourself.

The FAQs:

1] How Can I Get My UAN Number if I Forgot it?

You may retrieve it by logging on to the EPFO/UAN portal, referring to your salary/payslips, or contacting your company's HR.

2] Can I Check My PF Balance without a Registered Mobile Number?

You can, provided you know your UAN and EPFO portal e-Passbook password.

3] Is it Safe to Check the PF Balance via SMS or a Missed Call?

Yes, it is convenient and safe as the information is shared only on your authorized UAN-registered mobile number.

4] How Often is the PF Passbook Updated?

It is usually updated within 6 hours of any contribution credited to the employee's account.

5] Can I Check Someone Else's PF Balance with their Details?

You may not! The EPFO's strict security measures discourage sharing UAN or Universal Account Numbers to avoid misuse.

 

Disclaimer: The above information is purely indicative in nature and subject to change without prior notice from the government authorities. One must refer to the Employees' Provident Fund Organization, Unified Portal and UMANG websites to learn the most up-to-date developments before taking action.