EPF Balance Check Online With and Without UAN

This article explains the simple procedures for checking Provident Fund (PF) balance using online portals, apps, SMS and missed call services.

Latest News on EPF

Here is some of the latest news on EPF:

• The EPFO has recently increased the interest rate on EPF deposits to 8.1% for the financial year 2022-23.
• The EPFO has also introduced a new scheme called the EPF Flexi Deposit Scheme. This scheme allows EPFO members to choose their own contribution rate to the EPF.
• The EPFO has also launched a new mobile app called the EPFO Mobile App. This app allows EPFO members to access their EPF account information and services on their mobile phones.

EPF Balance

Employees’ Provident Fund (EPF) balance is the amount of money that has been accumulated in your EPF account over time. It is a retirement savings scheme that is managed by the Employees’ Provident Fund Organisation (EPFO). EPF contributions are made by both the employee and the employer, and the amount contributed is equal to 12% of the employee’s basic salary and dearness allowance.

Procedure of PF Balance Check

• Method 1: Using the EPFO Portal

The EPFO has an online portal that can be used to check the PF balance. Here are the steps to follow:

• • Step 1: Go to the EPFO Website

The first step is to go to the EPFO website. The website URL is on government portal. Once you are on the website, you will see a number of options on the homepage. Look for the ‘For Employees’ option and click on it.

• • Step 2: Click on ‘Member Passbook’

On the next page, you will see various options related to PF. Look for the ‘Member Passbook’ option and click on it.

• • Step 3: Enter Your Details

You will be redirected to a new page where you will be asked to enter your details. Enter your Universal Account Number (UAN) and password to log in. If you do not have a UAN, you will need to register for one on the EPFO portal.

• • Step 4: View your PF balance

Once you have logged in, you will be able to see your PF balance. You can also download your PF passbook, which contains details of all the transactions made to your PF account.

• Method 2: Using the UMANG App

The UMANG app is a government initiative that allows users to access a range of government services through a single platform. The app can be used to check your PF balance. Here are the steps to follow:

• • Step 1: Download the UMANG App

The first step is to download the UMANG app on your smartphone. The app is available on both the Google Play Store and the Apple App Store.

• • Step 2: Register or Log In

Once you have downloaded the app, you will need to register or log in using your mobile number. You will receive an OTP on your registered mobile number, which you will need to enter to complete the registration process.

• • Step 3: Click on ‘EPFO’

On the homepage of the app, you will see various government services listed. Look for the ‘EPFO’ option and click on it.

• • Step 4: Click on ‘Employee Centric Services’

On the next page, you will see a number of options related to EPFO. Look for the ‘Employee Centric Services’ option and click on it.

• • Step 5: Enter Your UAN

On the next page, you will be asked to enter your UAN. Enter your UAN and click on ‘Get OTP’. You will receive an OTP on your registered mobile number, which you will need to enter to proceed.

• • Step 6: View Your PF Balance

Once you have entered the OTP, you will be able to view your PF balance. You can also download your PF Passbook from the app.

Plan your future with ease using our EPF calculator. Calculate your returns with our PF interest calculator and make informed decisions.

• Method 3: Sending an SMS

EPFO also allows users to check their PF balance by sending an SMS from their registered mobile number. Here are the steps to follow:

• • Step 1: Open Your Messaging App

The first step is to open your messaging app on your mobile phone.

• • Step 2: Type the Message

Type ‘EPFOHO UAN ENG’ in the message box. Replace ‘UAN’ with your Universal Account Number.

• • Step 3: Send the Message

Once you have typed the message, send it to 7738299899. Make sure that you send the message from your registered mobile number.

• • Step 4: Receive Your PF balance

After sending the message, you will receive an SMS containing your PF balance.

• Method 4: Missed Call Service

EPFO also offers a missed call service that allows users to check their PF balance. Here are the steps to follow:

• • Step 1: Dial the Number

Dial 011-22901406 from your registered mobile number.

• • Step 2: Wait for The Call to Disconnect

After dialing the number, wait for the call to disconnect automatically. You will not be charged for the call.

• • Step 3: Receive Your PF Balance

After the call disconnects, you will receive an SMS containing your PF balance.

PF Balance Check

There are several ways to check your EPF balance:

• Online: You can check your EPF balance online on the EPFO portal or through the UMANG app. To check your balance on the EPFO portal, you will need to create an account and register your UAN. Once you have registered, you can log in and view your member passbook, which will show your EPF balance.
• SMS: You can also check your EPF balance by sending an SMS to 7738299899. The message should be in the following format: EPFOHO UAN <language preference> Where <language preference> is the first three letters of your preferred language. For example, if you prefer English, the message would be EPFOHO UAN ENG You will receive an SMS in response with your EPF balance.
• Missed call: You can also check your EPF balance by giving a missed call to 9966044425 from your registered mobile number. You will receive an SMS in response with your EPF balance.

EPFO Portal

The EPFO portal is a website where you can view your EPF balance, download your PF passbook, and make other EPF-related transactions. To access the EPFO portal, you will need to create an account and register your UAN.

UMANG App

The UMANG app is a mobile app that allows you to access a variety of government services, including EPF. To check your EPF balance on the UMANG app, you will need to download the app and register your UAN.

Which Method Is Best for You?

The best way to check your EPF balance depends on your personal preference. If you are comfortable using online services, you can check your balance on the EPFO portal or through the UMANG app. If you prefer not to use online services, you can check your balance by sending an SMS or giving a missed call.

How to Check EPF Balance Online and Offline?

There are several ways to check your EPF balance online and offline:

Online

• EPFO Portal: You can check your EPF balance online on the EPFO portal. To do this, you will need to create an account and register your UAN. Once you have registered, you can log in and view your member passbook, which will show your EPF balance.
• UMANG App: You can also check your EPF balance on the UMANG app. To do this, you will need to download the app and register your UAN.

Offline

• Missed Call: You can check your EPF balance by giving a missed call to 9966044425 from your registered mobile number. You will receive an SMS in response with your EPF balance.
• SMS: You can also check your EPF balance by sending an SMS to 7738299899. The message should be in the following format: EPFOHO UAN <language preference> Where <language preference> is the first three letters of your preferred language. For example, if you prefer English, the message would be: EPFOHO UAN ENG You will receive an SMS in response with your EPF balance.

How to Check EPF Balance on Mobile?

You can check your EPF balance on mobile using the UMANG app or by giving a missed call to 9966044425 from your registered mobile number.

EPF Deductions

EPF deductions are made from the employee’s salary every month. The amount of the deduction is equal to 12% of the employee’s basic salary and dearness allowance. The employer also contributes an equal amount to the employee’s EPF account.

How to Check PF Balance with UAN?

To check your PF balance with UAN, you can log in to the EPFO portal or use the UMANG app. You will need to enter your UAN and password to log in. Once you are logged in, you can view your member passbook, which will show your EPF balance.

PF Balance Check Using EPFO Portal

To check your PF balance using the EPFO portal, follow these steps:

1. Go to the EPFO portal and click on the “Member e-Sewa” tab.
2. Enter your UAN and password to log in.
3. Once you are logged in, click on the “Member Passbook” tab.
4. Your EPF balance will be displayed on the screen.

EPF Balance for Inoperative Accounts

1. If your EPF account is inoperative, you can still check your balance by logging in to the EPFO portal or using the UMANG app. However, you will not be able to withdraw your balance until you have activated your account.
2. To activate your inoperative EPF account, you will need to submit a transfer request to the EPFO. You can do this online or by visiting your nearest EPFO office.

Why Should You Invest in a Fixed Deposit?

There are many reasons why you should invest in a fixed deposit (FD). Here are a few:

• Safety: FDs are a safe investment option. Your money is insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor per bank.
• Guaranteed returns: FDs offer guaranteed returns for a fixed period of time. This means that you know exactly how much money you will earn at the end of the tenure.
• Liquidity: FDs are a liquid investment option. You can withdraw your money prematurely, but you may have to pay a penalty.
• Tax benefits: FDs offer certain tax benefits. For example, the interest earned on an FD up to ₹50,000 per year is tax-exempt for senior citizens.

How to Check PF Balance Without UAN?

There are two ways to check your PF balance without UAN:

• Missed call service: Give a missed call to 9966044425 from your registered mobile number. You will receive an SMS with your PF balance details.
• SMS service: Send an SMS to 7738299899 from your registered mobile number. Type EPFPHO UAN ENG in the message body. You will receive an SMS with your PF balance details.

How to Submit an e-Nomination in EPFO?

To submit an e-nomination in EPFO, follow these steps:

1. Go to the EPFO website and log in to your account.
2. Click on the “Online Services” tab and then select “e-Nomination”.
3. Enter your UAN and click on “Get OTP”.
4. Enter the OTP received on your mobile number and click on “Submit”.
5. Update your nomination details and click on “Save”.

Is e-nomination Process for PF accounts mandatory?

Yes, the e-nomination process for PF account is mandatory for all EPFO members. If you do not nominate a beneficiary, your PF balance will be transferred to your legal heirs after your death.

How do Check PF Balance without a Registered Mobile Number?

You can check your PF balance without a registered mobile number by visiting the EPFO office and submitting a physical application form. You will need to provide your PF account number, name, and other details.

What is the Tax Structure on EPF Balance?

The tax structure on EPF balance depends on whether you withdraw your money before or after retirement.

• If you withdraw your PF balance before retirement, the following tax structure is applicable:
  • Employer’s contribution: Taxable up to 5 years of service, tax-free after 5 years of service.
  • Employee’s contribution: Taxable up to 5 years of service, tax-free after 5 years of service.
  • Interest: Taxable in full.
• If you withdraw your PF balance after retirement, the following tax structure is applicable:
  • Employer’s contribution: Tax-free.
  • Employee’s contribution: Taxable up to 40%, tax-free for the remaining 60%.
  • Interest: Taxable up to 40%, tax-free for the remaining 60%.

Conclusion

Procedure of checking PF balance check is a simple process that can be done through various methods. The EPFO portal, UMANG app, SMS, and missed call service are easy ways to check your PF balance.

By checking your PF balance regularly, you can keep track of your retirement savings and make informed decisions about your future financial planning.

Vakilsearch, as an online legal service provider, can assist individuals in understanding the legal requirements related to Provident Fund (PF) and can also help with the registration and compliance process for the same. However, in terms of PF balance check procedures, individuals can follow the steps outlined in the article to check their PF balance on their own without requiring legal assistance.

FAQs

How do I use WhatsApp to check my PF balance?

To use WhatsApp to check your PF balance, follow these steps: Save the WhatsApp helpline number of your EPFO regional office on your phone. Open WhatsApp and send a message to the helpline number. In the message, type 'EPFOHO UAN'. You will receive a reply with your PF balance details.

What is the phone number to call to check your PF balance?

You can call 9966044425 to check your PF balance. This is a missed call service, so you do not need to speak to anyone. Simply give a missed call from your registered mobile number and you will receive an SMS with your PF balance details.

Will I be able to check the balance of my EPF account by SMS?

Yes, you can check your EPF balance by SMS. To do this, send an SMS to 7738299899 from your registered mobile number. Type 'EPFOHO UAN ENG' in the message body. You will receive an SMS with your PF balance details.

Is it possible to check the EPF balance using the PAN number?

No, you cannot check your EPF balance using the PAN number. You need to have your UAN to check your PF balance.

Is it possible to check the EPF balance using Aadhaar number?

Yes, you can check your EPF balance using your Aadhaar number. However, your Aadhaar number must be linked to your UAN. To check your PF balance using your Aadhaar number, you can use the EPFO website or the UMANG mobile app.

Can I withdraw my entire PF amount at once?

Yes, you can withdraw your entire PF amount at once. However, there are certain conditions that apply. For example, you must have been unemployed for at least 60 days before applying for full PF withdrawal. You can also withdraw your PF balance if you are retiring or emigrating from India.

Read more:-

• EPF Form 15G
• Procedure For Registration of EPF
• How to know PF Account Number by Name?