Check EPF Balance: How to check PF Balance with or without UAN Number

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In the ever-evolving landscape of personal finance, the Employees’ Provident Fund (EPF) stands tall as a beacon of security for millions of Indian workers. Now this government-backed retirement savings scheme not only safeguards your hard-earned money but they also provide a sense of financial stability for the future.

However, as with any investment, it’s important to stay informed and vigilant about the growth of your EPF corpus. Today keeping track of your EPF balance is no longer a daunting task; thanks to the various user-friendly options provided by the Employees’ Provident Fund Organisation (EPFO), you can now access this information with just a few clicks or taps.

In this comprehensive guide, we’ll understand the whole process of checking your EPF balance, whether you have a Universal Account Number (UAN) or not. Get ready to unlock the secrets of your retirement savings and take control of your financial journey like you never did it before!

II. Why Checking Your EPF Balance Matters so much

Before we dive into the nitty-gritty of how to check your EPF balance, it’s essential to understand why this simple act holds such significance. Here are a few compelling reasons:

  1. Financial Planning: Knowing your EPF balance allows you to make informed decisions about your future expenses, savings, and investments. With this information at your fingertips, you can easily create a comprehensive financial plan tailored according to your unique goals and aspirations.
  2. Loan Eligibility: Did you know that you can avail of a loan against your EPF balance? By regularly monitoring your balance, you’ll have a clear understanding of your borrowing capacity, enabling you to make well-informed decisions when faced with financial emergencies or opportunities.
  3. Contribution Tracking: Checking your EPF balance ensures that your employer is consistently contributing their share to your account. This kind of transparency helps protect your rights and ensures that your retirement savings are growing as expected.
  4. Peace of Mind: In an uncertain world like today, having a clear picture of your EPF balance can provide a sense of security and give you peace of mind. Knowing that your future is being safeguarded can alleviate financial stress and allow you to focus on the present.

III. How to Check your EPF Balance?

Now, that we’ve established the importance of checking your EPF balance, let’s dive into the various methods that are available to you. The EPFO has made it incredibly convenient for us to access this information, offering multiple channels to suit your preferences.

A. Giving a Missed Call

One of the easiest ways to check your EPF balance is by giving a missed call to the authorized number, 9966044425. This service is available to you once your UAN is integrated with your KYC details, and then you can expect to receive an SMS with your PF details shortly after placing the missed call.

B. Sending an SMS

If you want to keep things discreet, you can also check your EPF balance by sending a simple SMS. You Just have to text “EPFOHO UAN ENG” (or substitute “ENG” with the first three letters of your preferred language) to this mobile number 7738299899, and you’ll immediately receive your balance details via SMS.

C. Using the EPFO Online Portal

For those who prefer a more hands-on approach, the EPFO online portal is a comprehensive platform that allows you to access your EPF account details with just a few clicks. Simply visit this portal, log in with your UAN and password, and navigate to the “e-Passbook” section to view your balance and transaction history.

D. Using the UMANG Mobile App

In this age of digital convenience, the Unified Mobile Application for New-age Governance (UMANG) app offers a seamless way to check your EPF balance on the go. After downloading the app and logging in, you navigate to the “EPFO” section, enter your UAN, and voila! Your EPF balance will be at your fingertips.

IV. How to Check your EPF Balance with UAN

If you have already activated your Universal Account Number (UAN), which is a unique identification number provided to all employees enrolled in the EPF scheme, then checking your balance becomes even more straightforward.

Here’s how you can leverage your UAN to access your EPF details:

A. Through the EPFO Portal Expert Tip:

“The EPFO portal is a one-stop shop for all your EPF-related needs. By logging in with your UAN, you can easily access your balance, download statements, and even initiate withdrawal or transfer requests,” says experts of FilingWala.com.

  1. Go to the EPF portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) and click on the ‘e-Passbook’ option button.
  2. Enter your UAN number, enter password, and put in captcha, and then click ‘Sign In.’
  3. Go to the ‘Passbook’ section and then select your ‘Member ID.’
  4. Here your PF details will be displayed on the screen, also your current balance and transaction history.
  5. For added convenience, you can also download a PDF version of your passbook by clicking on the ‘Download as PDF’ option button.

B. Through the UMANG App

  1. Download the UMANG app from the Google Play Store or App Store.
  2. Log in to the app and go to the ‘Social Security’ section.
  3. Select ‘EPFO’ from the list of services you see.
  4. Under the ‘Employee Centric Service,’ click on ‘View Passbook.’
  5. Enter your UAN number and get an OTP.
  6. After verifying the OTP, you’ll be able to view and download your EPF passbook.

V. Checking EPF Balance without UAN

Don’t worry if you haven’t activated your UAN yet – there are still convenient ways to check your EPF balance. Here’s how:

A. By Sending SMS

  1. Send an SMS to this number 7738299899 with this message “EPFOHO UAN ENG” (or your preferred language code instead of “ENG”).
  2. Make sure that your UAN is active and seeded with your bank account, Aadhaar number, and PAN details.

B. Through a Missed Call

  1. Give a missed call to 9966044425 from your registered mobile number.
  2. You’ll receive an SMS with your PF details, provided that your UAN is integrated with your KYC details.

VI. Important Things to Remember EPF

While checking your EPF balance is a straightforward process, there are still a few essential points to keep in mind:

  • Your UAN must be activated and registered on the EPFO portal to access your balance online.
  • The facility to view your passbook will be available after six hours of registering on the EPFO portal.
  • The passbook will display the latest entries reconciled by the EPFO Field Offices.
  • Employees of exempted establishments and private trusts cannot view their EPF balance on the EPFO portal. They must check with their company’s HR department or trust for balance information.

VII. e-Nomination Process for PF Account

The EPFO has made it easy to secure your loved ones’ future by enabling e-Nomination for your PF account. This is not mandatory, but nominating beneficiaries ensures that your nominees can claim your EPF account after your demise.

Here’s how to submit an e-Nomination:

  1. Go to the UAN Member e-Sewa portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) and log in with your UAN and password.
  2. Now select the ‘E-nomination’ option under the ‘Manage’ tab.
  3. Follow the prompts to add the family members and declare their share of the total amount.
  4. E-sign the nomination form by generating and submitting an OTP received on your Aadhaar-linked mobile number.

VIII. Checking EPF for Exempted Establishments

If you’re employed by an exempted establishment or private trust, you cannot view your EPF balance on the EPFO portal. In such cases, your EPF contribution is transferred to a trust managed by your company.

To access your balance information, you can:

  • Check your salary slips: Most companies include EPF contribution details in the monthly salary slips, allowing you to track your balance.
  • Log in to your company’s employee portal: Many organizations have dedicated employee portals or apps where you can view your EPF account status, contribution history, and current balance.
  • Raise a request with your HR department: If the above options are not available, you can reach out to your company’s human resources department and request your EPF balance statement.

According to experts at filingwala.com, “While exempted establishments handle EPF accounts independently, we prioritize transparency by providing regular updates to our employees through multiple channels, ensuring they stay informed about their retirement savings.”

IX. How to Check EPF Without Registered Mobile Number

If you don’t have a registered mobile number, you can still access your account details by following these simple steps:

  1. Visit the EPF portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) and click on the ‘e-Passbook’ option.
  2. Enter your UAN number, enter password, and captcha, and click on ‘Sign In.’
  3. Go to the ‘Passbook’ section and select your ‘Member ID.’
  4. Your PF details, including the current balance and transaction history, will be displayed on the screen.

X. Conclusion EPF Balance

Checking your EPF balance is not just a formality – it’s a powerful tool that empowers you to take control of your financial future. By staying informed about your EPF contributions and balance, you can make well-informed decisions, plan for unexpected expenses, and ensure a secure retirement.

Whether you want to check your balance via missed call, SMS, the EPFO portal, or the UMANG app, the process is designed to be user-friendly and accessible. Embrace this convenience and make it a habit to regularly review your EPF details, just as you would monitor your bank statements or investment portfolios.

Remember, your financial well-being is a journey, and every step you take towards understanding and managing your EPF balance brings you closer to achieving your long-term goals. So, take charge today, and let the power of knowledge guide you towards a future filled with financial security and peace of mind.

If you’re feeling overwhelmed or need assistance with managing your EPF or other financial matters, consider seeking the services of a reputable accounting firm like FilingWala.com. With a team of experienced professionals, FilingWala.com offers comprehensive accounting services, including income tax filing, GST compliance, company registration, trademark registration, and more. Their expertise can help simplify complex financial processes, ensuring that you stay on track and make informed decisions every step of the way.

XI. FAQs

Q1. I have a UAN number linked to an operative PF Account. I also have one old inoperative PF account. How can I withdraw or link it to my existing UAN?

A1. To link your old PF account to your current UAN, you need to initiate a PF transfer. Here’s how:

  1. Log in to the UAN member portal with your UAN and password.
  2. Go to ‘Online Services’ and click on ‘One Member One EPF Account (Transfer Request).’
  3. Choose attestation through your previous or present employer.
  4. Enter your old PF account number or UAN and click ‘Get Details.’
  5. Verify the OTP received on your mobile number.
  6. Your PF transfer claim will be submitted, and within 20 days, your old PF amount will be transferred to your new account.

Q2. Can I check the EPF balance online if my EPF account is inoperative?

A2. Yes, you can check your EPF balance even if your account is inoperative, provided you are below 58 years of age. Although no new contributions are made, the interest will continue to be credited to your account, allowing you to monitor your balance.

Q3. Can I check my EPF balance using my Aadhaar number?

A3. No, you cannot check your EPF balance using your Aadhaar number alone. You must provide your UAN to access your EPF account details.

Q4. Can I check the EPF balance of my EPF account created from previous employment?

A4. Yes, all EPF accounts linked to your UAN will be displayed when you log in to the EPF portal. You can select the respective ‘Member ID’ of your previous account to view its balance.

Q5. When does the EPF balance get updated?

A5. Your EPF balance is updated in your passbook after 24 hours of making the contribution. If your balance is not updated within two days of the contribution, you should contact your HR department or file a complaint with the EPFO helpdesk.

Q6. How many days does it take for PF withdrawal?

A6. It typically takes around 15-20 days for the withdrawn funds to be received in your bank account after submitting the withdrawal request and obtaining approval from your employer.

By providing comprehensive information, actionable tips, expert insights, and addressing common concerns, this article aims to be a valuable resource for anyone seeking to understand and manage their EPF balance effectively. Remember, knowledge is power, and by staying informed about your EPF contributions, you can pave the way for a financially secure future.

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