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Provident Fund

How to Check Pf Balance and Verify PF Amount?

PF (Provident Fund) balance check is a process to view the current amount available in an individual's PF account. To do this, one can visit the EPFO (Employees' Provident Fund Organisation) website, use the Umang app, or give a missed call to the EPFO helpline number. The individual will need to provide their PF account number, name, and date of birth to access the information. Checking PF balance regularly helps keep track of savings and plan finances accordingly.

Overview – Check PF Balance

A Provident Fund (PF) is a retirement savings scheme offered by the government of India for salaried employees. It is mandatory for employers to contribute a portion of their employees’ salaries towards the PF account and employees can also choose to contribute from their salaries. The accumulated savings in the PF account can be used for various financial needs, including retirement. The Employees’ Provident Fund Organisation (EPFO) manages the PF accounts of eligible employees and provides various benefits such as interest on the saved amount, loan facility, and more. One can check PF balance regularly using the EPFO website, the Umang app, or by giving a missed call to the EPFO helpline number. 

PF Balance Check Using UMANG App

The Umang (Unified Mobile Application for New-age Governance) App is a one-stop platform that offers a range of government services, including EPF-related functions. Here’s a step-by-step guide on how to check your PF balance using the Umang App:

  • Download the Umang App: Go to your app store (Google Play Store for Android or Apple App Store for iOS) and search for Umang. Download and install the app on your mobile device.
  • Register and Log in: After installing the app, register using your mobile number and set up a password. Complete the OTP verification to log in.
  • Locate EPFO Services: Once logged in, search for EPFO services in the app’s All Services section.
  • Select Employee Centric Services: Under the EPFO services, select Employee Centric Services.
  • Choose View Passbook: Locate and click on the View Passbook option to view your EPF account details, including the current balance.
  • Enter UAN and Password: You will be prompted to enter your Universal Account Number (UAN) and the password associated with it.
  • View Your PF Balance: After successfully logging in, you can view your PF balance and transaction details.

PF Balance Check Without UAN

In some cases, employees may not have immediate access to their UAN. However, it is still possible to check your PF balance using alternative methods. Here’s how:

  • Visit the EPFO Website:  Go to the official EPFO website (https://www.epfindia.gov.in) and navigate to the For Employees section.
  • Click on Click Here to Know your EPF Balance: On the Employees’ Provident Fund Organisation (EPFO) website, find the Click Here to Know your EPF Balance link under the Services section.
  • Select the State and EPFO Office: From the drop-down menus, select your state and the relevant EPFO office where your PF account is maintained.
  • Enter PF Account Details: Provide your PF account number and other necessary details, such as your name and mobile number.
  • Submit the Request: Click on the Submit button to initiate the request to check your PF balance.
  • Receive SMS: You will receive an SMS on your registered mobile number with your EPF balance details.

PF Balance Check Through Missed Call

Checking your PF balance through a missed call is a convenient and quick option. However, to avail of this service, you must ensure your UAN is integrated with your mobile number. Here’s how to do it:

  • Link UAN with Mobile Number: To check your PF balance through a missed call, you must first link your UAN with your mobile number. You can do this by visiting the EPFO’s Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).
  • Login with UAN and Password: Log in using your UAN and password. If you haven’t set up a password, you can do so using the Forgot Password link.
  • Click on Manage: Under the Manage section, select Contact Details to add or update your mobile number.
  • Add or Update Mobile Number: If your mobile number is not registered, add it. If it is already registered, update it if necessary.
  • Verify the Mobile Number: After adding or updating the mobile number, click on Get Authorisation Pin to receive an OTP on your mobile. Enter the OTP to verify and link the mobile number with your UAN.
  • Give a Missed Call: Once your UAN is linked with your mobile number, you can give a missed call to 011-22901406 from your registered mobile number.
  • Receive SMS: You will receive an SMS with your PF balance details on your registered mobile number.
Enhance your employee benefits package. Get to know more about EPF registration.

PF Balance Check Through SMS

Checking your PF balance through SMS is another straightforward option. Ensure your UAN is linked to your mobile number before using this service. Here’s how to check your PF balance through SMS:

  • Compose a New SMS: From your registered mobile number, compose a new SMS.
  • Format of SMS: Type EPFOHO UAN ENG in the message body. Replace ENG with the first three letters of the language you prefer (e.g., ENG for English).
  • Send SMS: Send the SMS to 7738299899.
  • Receive SMS: You will receive an SMS with your PF balance details, including your total balance and the last contribution.

Ways to Check EPF Balance of Private Trusts/Exempted Establishments

For employees working in organisations that manage their EPF through private trusts or are exempted from EPFO coverage, checking their PF balance can differ from the standard process. Here are the steps:

  • Contact the Employer: In the case of private trusts/exempted establishments, employees can directly contact their employer’s HR or finance department to inquire about their PF balance.
  • Check the Passbook: Some exempted establishments provide their employees with passbooks that contain PF balance details and transaction history. Request your employer for the passbook or inquire about its availability.
  • Online Portal (if available): Some private trusts/exempted establishments may have their online portals where employees can log in to view their PF balance and account details. Check with your employer if such a portal exists and how to access it.

Ways to Check EPF Balance for Inoperative EPF Accounts

An inoperative EPF account is one that remains dormant due to a lack of contributions for 36 consecutive months. Although it is not allowed to make fresh contributions to an inoperative account, you can still check the balance using the following methods:

  • Online Inquiry: Visit the EPFO’s official website and use the Click Here to Know your EPF Balance option, as mentioned in Section 2. Enter the relevant details, and you will receive your EPF balance via SMS.
  • Offline Inquiry: You can request an offline EPF balance statement by submitting a written application to the nearest EPFO office. Provide necessary details like your name, PF account number, and communication address. The EPFO will mail the statement to the address provided.

News on EPF Balance

July 26, 2023:The Ministry of Labour and Employment sanctioned an 8.15 percent interest rate for the EPF scheme. This approval guarantees EPF scheme members will receive this interest for 2022-23. The rate is officially notified in the government gazette, and EPFO credits it monthly into subscribers’ accounts, as stated by Amit Gupta, MD of SAG Infotech.

Things to Remember

When checking your PF balance, keep the following points in mind:

Regularly Monitor: It is essential to monitor your PF balance regularly to stay updated on your contributions and interest earnings.

Update Mobile Number: Ensure your mobile number is linked to your UAN to access services like missed call and SMS inquiry.

Keep UAN Safe: Safeguard your UAN and password to prevent unauthorized access to your PF account.

Maintain PF Account Details: Always maintain accurate PF account details and update them whenever necessary.

Check for Fraudulent Activities: Regularly review your PF account for any unauthorized transactions or discrepancies.

Multiplying Your EPF Corpus: Maximising your EPF corpus can lead to greater financial security during retirement. Here are some tips to achieve this:

Consistent Contributions: Make regular contributions to your EPF account to benefit from the compounding effect and maximise your corpus.

Increase Contributions: Consider contributing more than the mandatory 12% of your basic salary to expedite corpus growth.

Opt for VPF: Voluntary Provident Fund (VPF) allows you to contribute more than the mandatory percentage voluntarily, increasing your corpus.

Leverage Employer’s Contribution: Some employers offer the option to contribute a higher percentage to EPF voluntarily. Take advantage of this facility if available.

Stay Invested: Avoid prematurely withdrawing your EPF balance, as it affects long-term growth. Instead, let it grow until retirement.

Utilise EPF for Investments: In certain cases, you can use your EPF savings for investment purposes, such as a down payment for a house.

FAQs on PF Balance Check

1. Can an employee check their EPF balance in their previous company?

Yes, employees can check their EPF balance in their previous company by following the methods mentioned earlier. They need to have their UAN handy, linked with their mobile number to use services like the Umang App, SMS inquiry, or missed call service.

2. Can you check your EPF balance with the help of the PAN number?

No, you cannot check your EPF balance using the PAN number. The UAN is the unique identifier for EPF accounts, and it must be linked to your mobile number to access EPF balance inquiry services.

3. Can you check your EPF balance with your Aadhaar number?

While the Aadhaar number is not directly used for EPF balance inquiries, it is essential for various EPF-related services, such as updating KYC details and linking the UAN with your mobile number.

4. How to avail of a loan against my PF balance?

EPF subscribers can avail themselves of a loan against their PF balance under certain conditions, such as specific employment tenure. To apply for a loan, log in to the EPFO Member Portal, and navigate to the Online Services section. Select Claim (Form-31, 19, 10C & 10D) and submit the required details to apply for a loan.

5. Can I withdraw my entire PF amount at once?

Yes, you can withdraw your entire PF amount at once under certain circumstances, such as retirement, unemployment, or in the case of specific medical emergencies. However, partial withdrawals for various purposes, like housing, marriage, or education, are also allowed under the EPF rules.

Conclusion – Check PF Balance

In conclusion, checking your Provident Fund (PF) balance regularly is an important part of financial planning. The EPFO (Employees’ Provident Fund Organisation) provides several convenient ways to check PF balance, including the official website, Umang app, or by giving a missed call to the EPFO helpline number. Knowing your PF balance can help you plan your finances and make informed decisions about your savings and investment goals. Additionally, regularly contributing to your PF account can help you secure a comfortable retirement and provide financial stability for you and your family.

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