The Employee Retirement Income Security Act (Employee Provident Fund Organisation) EPFO is a non-constitutional agency that encourages employees to save for their retirement through the Employee Retirement Income Security Act (ERISA).
Latest PF Update
1) The panel of Advocates for Haryana Zone for the Block Year 2022-25 (Upto 31-12-2025)
2) Provident Fund Withdrawal new rule: Budget 2023 lowers TDS rate of EPF withdrawals in non-PAN cases
Overview
Learn how to check your EPF balance effortlessly with and without a UAN number. Discover the simple steps to access your provident fund balance online using the EPFO portal and the UMANG app. This article provides a comprehensive guide to checking your PF balance conveniently.
Highlights of the Union Budget for 2022-23
EPFO Goals and Mission
PF Balance Check with UAN & without UAN. The following are the EPFO’s key goals:
- In order to prevent several EPF accounts from being used by the same employee.
- Compliance should be made simple
- On a regular basis, check to see if organisations are adhering to all of the rules and regulations put forth by the EPFO
- To assure the safety and security of internet services and to enhance their infrastructure
- To make it simple for members to access their online accounts
- From 20 days to three days, claim settlements will be shortened
- Encouragement and promotion of voluntary behavior
PF Balance Check: United Identification Number (UAN)
Members of the Employees’ Provident Fund (EPF) can access their online PF accounts and execute duties such as EPF withdrawals and PF balance check. Using the Universal Account Number, the EPFO member site can be accessed effortlessly (UAN).
Members are given a unique 12-digit number by EPFO, which they can use to identify themselves. Even if an employee leaves one company and joins another, the employee’s UAN will remain the same. An employee’s UAN will be connected to a new employee identification number (EIDN) whenever they move jobs. To use the online services, employees must first activate their UAN.
Your UAN will be provided to you by your place of business. If you are unable to do so, you can use your member ID to log into the UAN portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) and locate the UAN.
PF Balance Check: EPFO Plans
The following are some of the EPFO’s different programmes:
- Scheme for Employees’ Provident Funds (EPF)
- Employee Retirement Plan of 1995 (EPS)
- Scheme of Deposit Insurance for Employees, enacted in 1976 (EDLI)
PF is Something to Be Familiar With
An employees’ provident fund is a government-managed retirement savings scheme for workers. Each month, employees contribute a percentage of their pay to a retirement fund. At the time of retirement, the goal is to get a lump sum with interest. Providing funds are regulated and managed by the Employees’ Provident Fund Organisation, or EPFO, in India.
There will be a digital EPF member passbook made available to every EPFO member. An employee’s PF account balance, as well as the monthly contributions from both parties, can be found in this passbook. You can now check your EPF account balance both online and offline.
Who is Entitled to a Pension?
Employees who earn up to ₹15,000 per month are eligible. However, the majority of Indian companies integrate it in their pay plans for all employees. Your company may allow you to forgo a greater income in the beginning if you’re willing to work hard for your money. If you choose EPF, you can’t change your mind about it while you’re still employed there.
3 Steps to Generate and Activate UAN?
- Step 1: Visit https://www.epfindia.gov.in/site_en/ and then click on “Our Services”. Under that, select “For Employees”.
- Step 2: Select “Member UAN/Online services “under the services section. With this, you will be able to enter the UAN Portal.
- Step 3: Enter the required details like UAN, PF member ID, and mobile number. Enter the correct Captcha code and click on the “Get authorisation PIN Button”.
Note: The PIN will be sent to your registered mobile number.
Tick the “I agree” checkbox under the disclaimer. Enter the OTP sent to you earlier and click on “Validate OTP and Activate UAN”. Upon EPF UAN registration, a password will be sent to your registered mobile number, which you can use to access your EPF account.
Let’s Get Into the Nitty Gritty
Employees are required to contribute 12% of their basic pay each month, which is deposited into their bank account at the end of the month. Typically, the employer contributes a matching contribution. Provident fund contributions are 3.7%, and pension fund contributions are 8.33%.
Use Vakilsearch`s EPF calculator to decide how an entire lot coin is probably collected for your EPF account even as you retire.
Your employer makes the initial contribution to your retirement account. With a Universal Account Number or UAN, you can use it online. During a job change, it is possible to check your account balance and transfer your account. The EPFO-issued UAN in the PF Account is used mostly to monitor PF balances and PF claims.
The government usually sets the interest rate on the pooled funds. For the 2019-20 fiscal year, EPFO cut the interest rate on employee provident funds from 8.65% to 8.50% in March 2020. The interest rate will remain at 8.50% for the 2020-21 fiscal year.
PF Balance Check: 2 Ways to Withdrawal PF Amount
- Retirement at 58 years old is the first step. In this manner, you can request a PF withdrawal using EPF form 15g from your employer and receive your whole PF amount. The PF corpus can be withdrawn in full after tax for those who have been unemployed for a period of at least two months
- It’s also possible to take out a portion of your corpus before retirement age in the event of life-changing events, like getting married or buying a house or having a medical emergency. Depending on whether the scenario applies, you will be allowed to remove a different portion of the corpus
More About Provident Fund(PF)
According to Finance Minister Nirmala Sitharaman, the interest generated on employees’ annual contributions above ₹2.5 lakh to their PF would be taxed in the 2021-22 Union Budget Central Board of Direct Taxes issued a statement regarding this announcement on August 31. For circumstances where just employees contribute to the PF, rather than the employer, the threshold is ₹5 lakh.
Non-taxed and taxed funds will be available in each EPF account. The interest earned on each account will be calculated separately starting in the fiscal years 21 and 22. From April 1, 2022, these new regulations will be in place. Consequently, all contributions up to and including March 31, 2021, are exempt from taxation.
How to Transfer Your EPF Balance into a New Account?
Follow these steps to transfer Provident Fund online:
- Log in to the EPFO website using your Universal Account Number (UAN) and password.
- Navigate to the ‘Online Services’ tab and choose ‘One Member – One EPF Account (Transfer Request).’
- Confirm your eligibility for PF balance transfer.
- Provide details of your previous employer, including the employer’s name, PF account number, and the state of registration.
- Verify the details of your previous employer and PF account number.
- Enter details of your current employer, including the employer’s name, PF account number, and the state of registration.
- Confirm the details of your current employer and PF account number.
- Review all entered information, click ‘Get OTP,’ and enter the received OTP on your registered mobile number.
- Click ‘Submit’ to initiate the transfer request.
Upon submission, a tracking ID will be assigned for monitoring the transfer status. The PF balance should reflect in your current employer’s account shortly after the transfer initiation.
How to Check PF Balance?
PF Balance Check Number – There are multiple ways to check your PF Balance. They are listed as follows:
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- Using Missed Call
- Using SMA
- Using EPFO Online Portal
- Using UMANG Mobile Application, etc.
PF Balance Check with UAN number on EPFO Web Portal
To check PF balance with UAN number on the EPFO web portal follow these steps:
- Visit the EPFO portal and choose “For Employees” under the “Our Services” tab.
- Select “Member Passbook” under “Services.”
- Log in with your activated UAN number and password.
- Choose the Member ID and click on “View Passbook”
Your PF details will now be displayed, and you can download the passbook.
Ways to Check EPF Balance of Private Trusts/ Exempted Establishments
To check the EPF balance of private trusts/exempted establishments, you can follow these steps:
- Go to the EPFO website (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).
- Click on the “Services” tab.
- Select “For Employees”.
- Click on “Member Balance Information”.
- Enter your UAN number and click on “Get Details”.
- Your PF balance will be displayed on the screen.
Ways to Check EPF Balance for Inoperative EPF Accounts
To check the EPF balance for inoperative EPF accounts, you can follow these steps:
- Go to the EPFO website (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).
- Click on the “Services” tab.
- Select “For Employees”.
- Click on “Inoperative Member Account”.
- Enter your UAN number and click on “Search”.
- Your PF balance will be displayed on the screen.
PF Balance Checking Without a Registered Mobile Number
Given below is the process for how to check my pf balance without a registered mobile number:
- Step 1: Sign in with your UAN and password to the PF passbook website
- Step 2: Select the PF account for which you’d like to view your PF balance, and then click view PF passbook old
- Step 3: You may now view the overall employee balance and employer balance in your PF account, as well as the pension balance in the passbook’s last column.
- Step 4: To display yearly PF contributions, select the view passbook (new: yearly) option
PF Balance Check Without UAN Number
PF balance checks without a UAN number and without a mobile number can be done as follows:
If you forget your UAN password but know your UAN, you can set a new password through the UAN member portals forgot UAN option
But if you don’t even know your UAN, follow the procedures below to locate it
- Step 1: Navigate to the UAN member portal – https://unifiedportal-mem.epfindia.gov.in/ and select the option titled ‘Know Your UAN.’
- Step 2: Enter a mobile number that is not currently associated with any other PF accounts, type the captcha, and click the request OTP button
- Step 3: Enter the OTP sent to your mobile device and re-enter the new captcha code before clicking the validate OTP button
- Step 4: After validating the OTP, enter your name and date of birth as they appear on your EPF account, and select either Aadhaar or PAN. (that was associated with your PF account)
- Step 5: If you selected Aadhar, enter the Aadhar number, or if you selected PAN, enter the PAN number, complete the captcha, and select the option to show my UAN
Now, your UAN will be displayed on the screen; make a note of this number and set a new password for the UAN site, which can also be used to download your PF passbook.
You are just a phone call away from the best in legal services with Vakilsearch and a team of skilled business consultants and specialists who are well-versed in current schemes.
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PF Balance Check Using EPFO Portal
Check your EPF balance by activating your Universal Account Number (UAN). Employees enrolled in the EPF scheme receive a UAN. Employees should only have one UAN during their working life. UAN is important because the entire EPF process is now online. UAN makes it easy to access your PF account services, such as withdrawal, checking EPF balance, and applying for EPF loans.
Follow these steps once your UAN number is activated:
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- Step 1: Visit the EPFO portal. Navigate to the tab ‘Our Services’ and choose the option that says “For Employees” from the drop-down menu.
- Step 2: Click on the option ‘Member passbook’ under “Services.”
- Step 3: A login page will appear. Enter your UAN number and password here after it has been activated.
- Step 4: Select the ‘Member ID’ and click on the ‘View Password [Old: Full]’ option.
- Step 5: Your PF details will be displayed on the screen.
- Step 6: Print this passbook by clicking on the ‘Download Passbook’ option.
PF Balance Check by Sending an SMS
Follow these steps after integrating your UAN with your KYC details:
- Please send an SMS to the mobile number 7738299899.
- Message format is EPFOHO UAN ENG.
Set your preferred language in the SMS. Use the first three characters of your preferred language. To receive updates in English, use the first three characters of the word English, EPFOHO UAN ENG. You can receive messages in Marathi by typing EPFOHO UAN MAR. It is available in English, Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, Malayalam, and Bengali.
PF Balance Check through a Missed Call
You can call the authorized number to inquire about your EPF balance if you have a registered mobile number. Integration of your UAN with KYC details is required for this service. You can ask your employer for help if you cannot do this.
After your UAN is integrated with your KYC details, follow these steps:
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- Make a missed call to 9966044425.
- Your PF details will be sent via SMS after a missed call.
PF Balance Check Using the UMANG/EPFO App
- Download the UMANG app from Google Play Store or App Store.
- Choose the “EPFO” option under the ‘All Services’ tab.
- Click on ‘View Passbook’ under ‘Employee Centric Service.’
- Complete a one-time registration using your UAN-registered phone number.
- Access your EPF transactions through the app, which also allows claims filing and tracking.
Is the e-Nomination Process for PF Account Mandatory?
Yes, the e-nomination process for a PF account is mandatory for all Employees’ Provident Fund Organisation (EPFO) members. This is to ensure that the dependents of the member receive the PF benefits in the event of the member’s death.
How to Submit an e-Nomination in EPFO?
To submit an e-Nomination in EPFO, you can follow these steps:
- Go to the EPFO website (https://unifiedportal-mem.epfindia.gov.in/memberinterface/).
- Login to your account using your UAN number and password.
- Click on the “e-Nomination” tab.
- Enter the details of your nominee(s) and the percentage of share you want to allocate to each nominee.
- Review and submit the nomination.
PF Balance Check FAQs
What is PF Balance check number?
You can check with 011-22901406
How do you check your PF Balance in the Absence of a Mobile Number and UAN Password?
There are three easy ways to check your EPF balance without a UAN number: using the official EPF website, sending an SMS to 7738299899, and giving a missed call to 011-229014016 from your registered mobile number.
How to Determine the PF Balance Without a Registered Mobile Number?
If you don't have a registered mobile number, you may still be able to determine your EPF balance by visiting the official EPF website and using your UAN and other details to log in and view your account balance. If you need to get your UAN or have trouble logging in, you may need to contact the EPFO office directly for assistance.
Will I be able to check my EPF account balance through an SMS facility?
Yes, you can check your EPF account balance through an SMS facility. To do this, you need to send an SMS to 7738299899 in the following format:
EPFOHO UAN ENG
Where UAN is your Universal Account Number and ENG is the language code for English.
Suppose you want to receive the message in another language. In that case, you can replace the language code with the appropriate code for that language. For example, HIN for Hindi, PUN for Punjabi, and so on.
Can I check my PF balance with my mobile number?
Yes, you can check your PF balance with your mobile number. To do this, you need to be registered with the EPFO portal. Once you are registered, you can log in to the portal and check your PF balance.
You can also check your PF balance by sending an SMS to 7738299899 in the format mentioned above.
How do I check my PF balance on WhatsApp?
You cannot check your PF balance on WhatsApp directly. However, you can use the EPFO chatbot on WhatsApp to get information about your PF account, including your balance.
To use the EPFO chatbot on WhatsApp, you need to send a message to +91 8130001213. The chatbot will then ask you to enter your UAN number. Once you enter your UAN number, the chatbot will provide you with information about your PF account, including your balance.
What is the phone number to check the PF balance?
You can call the EPFO customer care number at 1800-118-005 to check your PF balance. The customer care representative will ask you for your UAN number and then provide you with your balance information.
Please note that the above information is for general guidance purposes only. For more specific information, please visit the EPFO website or contact the EPFO customer care centre.
How can I get my PF number from UAN?
You can find your PF number on the UAN portal or your salary slip. It is also available on the EPFO Member e-Sewa portal.
How can I check my UAN bank account?
You can link your UAN with your bank account by providing it to your employer. You can also check your bank account details on the UAN portal.
How can I know my UAN password?
You can reset your UAN password on the UAN portal by entering your UAN and following the 'Forgot Password' link.
How can I login my EPF account?
You can log in to your EPF account using your UAN and password on the EPFO Member e-Sewa portal.
How I am check my PF balance?
There are several ways to check your PF balance on mobile:
● EPFO Umang App: Download and register on the Umang app using your UAN. Your PF balance will be displayed on the dashboard.
● SMS: Send an SMS EPFOHO UAN to 7738299899 from your registered mobile number. You will receive an SMS with your PF balance.
● Missed Call: Give a missed call to 09966044425 from your registered mobile number. You will receive an SMS with your PF balance.
● EPFO Member Portal: Log in to the EPFO member portal using your UAN and password. You can view your PF balance and passbook details on the dashboard.
How can I check my PF passbook?
You can view your PF passbook on the EPFO Member e-Sewa portal after 6 hours of registration.
How can I claim my PF amount in Mobile?
You can claim your PF amount using the UMANG app or by logging in to the EPFO Member e-Sewa portal on your mobile browser.
How many days required for PF withdrawal?
The processing time for PF withdrawals can vary depending on the type of withdrawal and the completion of verification steps. Typically, it takes around 15-30 days for the amount to be credited to your bank account.
How can I know my PF account number by name?
Unfortunately, knowing your PF account number simply by your name is not possible. You need your UAN or PF account number to access your PF details.
How much of PF can be withdrawn?
The amount you can withdraw from your PF depends on various factors like your age, years of service, and reason for withdrawal. You can find detailed information on withdrawal rules on the EPFO website or by consulting with an advisor at Vakilsearch.
How can I activate my UAN member login?
You can activate your UAN by visiting the UAN Member Portal and clicking on Activate UAN. Then, enter your UAN, Aadhaar number, name, DOB, and mobile number.
