HOW TO CHECK PF BALANCE

If you want to check your EPF balance online, then you have to log in to the EPFO member portal by using your UAN number. You can also check your EPF balance through the UMANG app by entering all the details. If you don't have internet facility, then you can check it via SMS by sending EPFOHO UAN to 7738299899 or by giving a missed call to 9966044425.

As an employee, no matter which industry or sector you work in, timely and thoughtful financial planning is highly essential. It helps develop profitable investment strategies and meet your monetary goals. Keeping track of your provident fund or EPF balance regularly helps you stay informed about your retirement savings. Whether you are a salaried employee or freelancer with a UAN (Universal Account Number), knowing how to check your EPF balance online saves time and ensures transparency.

This Quickinsure guide will help you explore all the latest methods to check your PF balance in 2025. It includes online, SMS, missed call, UMANG app, and EPFO portal methods, with screenshots, examples, and FAQs. 

Why Should You Check Your PF Balance Regularly?

There are some reasons behind checking your PF balance regularly, which are as follows:

• Helps tracking monthly contributions by employer and employee
• Ensures no delays or discrepancies in PF deposits
• Useful for financial planning, loan applications, or withdrawals
• Helps you verify interest credited by EPFO
• This is also Important when you change jobs or merge PF accounts

Quick Tip by Quickinsure: Always verify that your UAN is linked with your Aadhaar and mobile number. It enables online PF access hassle-free.

Key Takeaways:

·       Explore multiple easy ways to check your EPF/PF balance

·       Know how to activate UAN and linking it to Aadhaar, PAN, bank account and your mobile is highly beneficial? And why is it essential?

·       Understand how checking your PF regularly to spot missing employer/employee contributions and verifying interest, aid financial planning/loans, and simplify transfers when changing jobs.

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 with 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.

Quickinsure Pro Tip: Download the passbook in PDF format. This can enhance your record-keeping and financial planning.

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.

Note: Installing the UMANG App can help you check your PF balance instantly.

Advantages of having an UMANG App:

• It is free of cost and government-approved
• It provides you access to other EPFO services, including claims, tracking, and pension.
• It offers you 24/7 accessibility to check your PF

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 to Check Employees' Provident Fund Balance

There are various other methods to check employee PF fund balance via the Employer, HR, or Payroll Department. Here are the following steps that can be utilized for private trusts and exempted establishments:

Method 1: Steps to Check PF balance through HR

Step 1: Firstly, raise a request with the HR division.

Step 2: Reach out to the employee portal of the company.

Step 3: Know your EPF balance.

Method 2: Through PF Account Number (Offline Mode)

A visit to the EPFO office.

Step 1: Contact your nearest local EPFO regional office.

Step 2: Give a valid ID.

Step 3: Know your PF balance.

Method 2: Check PF Balance through EPFO Helpdesk

If you’ve forgotten your UAN or haven’t activated it, then you can follow the steps below:

• Visit https://unifiedportal-mem.epfindia.gov.in/memberinterface/
• Click on the “Know Your UAN” link.
• Enter your registered mobile number, Aadhaar, or PAN card details.
• Once verified, your UAN will be sent to you via SMS.
• After retrieving it, you can log in to check your PF balance normally.

Limitations Without UAN

• Without UAN accessing passbook and history online is restricted
• Requires employer or EPFO help for verification
• Cannot file online claims or transfers
• Even SMS and missed call options cannot work without UAN

Quickinsure Tip: Always activate your UAN at the EPFO portal for easy digital access. This process is free of cost and takes only a few minutes. Nowadays, employees can view their EPFO passbook entries and contribution history anytime by logging in with their UAN and password.

Common Issues While Checking PF Balance and Fixes

You might encounter few a common errors while performing steps to check your PF balance online. Here is a quick guide that can help you overcome these issues easily:

Issue	Reason	Quick Fix
Invalid UAN	UAN not activated	Activate UAN on EPFO portal
Wrong mobile number	Not linked with UAN	Update mobile number via employer
OTP not received	Network or registration issue	Retry later or check registration
Passbook not showing	Account newly created	Wait 48 hours after first contribution

 

What to Do If PF Balance Is Not Updating

If your PF balance or contribution is not updated by the employer, then you can follow the below steps:

• Contact your employer's HR or PF representative
• Raise a grievance at https://epfigms.gov.in
• Use the EPFO Helpdesk for UAN or contribution issues

How to Check Your PF Balance (With or Without UAN)

There are multiple ways to check your PF balance both online and offline. Here’s a quick overview of all the methods, who can use them, and what you’ll get from each option:

Method	How to Use It	Who Can Use It	Internet Needed	What You Get
EPFO Member Portal	Visit epfindia.gov.in → Login with UAN & Password → View your PF passbook	Registered UAN users	✅ Yes	Complete PF details & contributions
UMANG Mobile App	Download UMANG app → Login using mobile linked with UAN → Go to EPFO → View Passbook	Employees with Aadhaar-linked mobile	✅ Yes	PF balance, contribution history
Missed Call Service	Give a missed call to 9966044425 from a registered mobile	UAN-linked users	❌ No	PF balance via SMS instantly
SMS Service	Send “EPFOHO UAN ENG” to 7738299899	UAN-linked users	❌ No	PF balance & last contribution details
Through Employer (HR)	Ask your HR for your PF statement or payslip	Any employee	❌ No	Monthly contribution summary
Visit EPFO Office	Visit the nearest EPFO regional office with a va   lid ID proof	Anyone (with/without UAN)	❌ No	Printed PF balance or statement

 

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. For quick updates, you can use the PF balance check number or UMANG app to get instant access to your latest EPF details.

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:

Q1. 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.

Q2. Can I Check My PF Balance without a Registered Mobile Number?

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

Q3. 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.

Q4. How Often is the PF Passbook Updated?

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

Q5. 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.

Q6. How often is PF balance updated?

The PF balance is usually updated once every month after your employer uploads contribution data to EPFO.

Q7. Can I check my PF balance without a UAN?

No, you need a UAN to check your PF balance whether it is through online, SMS, or missed call services.

Q8. Is there a fee to check PF balance?

No, all services, including portal, app, SMS, or call are free.

Q9. Can I check PF balance for multiple employers?

Yes, you can check your PF balances for all previous employers linked under one UAN.

Q10. Why is my PF balance not showing on UMANG?

Check if your UAN is linked to Aadhaar and mobile. Sometimes, new accounts take a few days to update.

 

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.