Check Your EPF Balance Online

You can check your EPF balance online on the EPFO website. Checking the EPF balance online makes it convenient to be up-to-date about the funds in your account
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Ways to Check EPF Balance Online

The EPFO has been introducing new methods for employees to check the EPF balance and is in the process of developing the existing platforms that can be used.

  • Online Portal
  • SMS Service
  • Missed Call
  • m-sewa app

EPF Balance Check using EPFO Portal

Here is a step-by-step guide to check EPF balance using UAN on the EPFO portal (www.epfindia.gov.in):

  • Log in to the EPFO website and click on the 'Our Services' tab.
  • EPFO Login
    Figure 1.0EPFO Login Step
  • Choose the 'For Employees' option from the drop-down menu.
  • EPFO Login
    Figure 1.1EPFO For Employees
  • Click on the 'Member Passbook' under the 'Services' option.
  • EPFO Member Passbook
    Figure 1.2EPFO Member Passbook
  • On the login page, enter the username which is the UAN and password to log in.
  • EPFO Username Passowrd
    Figure 1.3EPFO Username Password
  • Once logged in, employees can access their EPF details.
  • EPF Access
    Figure 1.4EPFO Access
  • Click on the respective passbook to check your EPF balance with different employers.
Check EPF Balance
Figure 1.5Check EPF Balance

Some employers and employees aren't eligible for the EPF passbook facility. Therefore, it is advisable to check for eligibility under 'Status of Establishments' on the EPF government website (https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp).

EPF Balance Check via SMS

Here is a step-by-step guide to check EPF balance by sending an SMS:

  • UAN has to be integrated with the employee's KYC details such as PAN, Aadhaar, and bank accounts to avail the facility of checking EPF balance via SMS.
  • SMS to 7738299899 from the employee's registered mobile number.
  • The SMS should read - EPFOHO UAN ENG, where ENG stands for English if that's the preferred language of communication. The same can be done for 9 other languages which include Tamil, Telugu, Marathi, Gujarati, Hindi, Bengali, Malayalam, Kannada, and Punjabi.
  • The employee will receive an SMS with details such as UAN, date of birth (DOB), Aadhaar, PAN, last contribution made, and the total PF balance.

EPF Balance Check via Missed Call

Here is a step-by-step guide to check EPF balance by giving a missed call:

  • Employees can check their EPF balance by giving a missed to 011-22901406 from their registered mobile numbers.
  • Following the missed call, the employee will receive an SMS with their EPF details.
  • This service is available only to those employees who have integrated their UAN with their KYC details.

EPF Balance Check using UAN

Employee Provident Fund (EPF) is a savings scheme for employees wherein the employer and employee make equal contributions toward the employee's retirement account. The savings can be withdrawn from the EPF account upon retirement but also comes in handy when the employee switches jobs or is unemployed. Employees can log in to the official website of the EPFO and then enter the UAN number that can be found on the pay slip. The EPF balance of the individual will then be displayed.

Check EPF Balance Online without UAN

Employees who haven’t created the UAN yet can view the EPF balance using the PF account number which can also be found on the pay slip. The individual will have to log in to the EPFO portal and enter a few details like the state he/she resides in, mobile number, etc. to view the EPF balance.

Steps to Check PF Balance via Mobile App

To enhance the convenience of their subscribers, the EPFO has launched their very own mobile app. All that the subscribers have to do to is to firstly download the app from EPFO website and register themselves using their PF account number and KYC details.

Steps to follow check EPF balance using the EPF mobile app:

  • Download the app and click on member on the app’s homepage.
  • On clicking the member option, enter your UAN and after choosing the balance/passbook option.
  • Now, enter your registered mobile number.
  • If the mobile number is displayed as incorrect, enter other details such as mobile number, Aadhaar card, etc.
  • choose the view “EPF passbook” option if one wishes to view statements of the last 7 months.
  • Once the details have been entered, the mobile app will display the balance in the employee’s PF account.

How to Check EPF Balance on Smartphones?

With the advent of technology, it has become easier to check one’s EPF account balance nowadays. All one needs is a smartphone and a reliable internet connection to find out the balance in an EPF account while sitting in the comfort of one’s home or office. There is no longer a need to wait for one's employer to share the EPF statement at the end of the year to find out the EPF balance. There is no paperwork involved or no time wasted in visiting a government office to view one’s EPF balance. Check one's EPF balance is vital when reviewing asset allocations and debt investments.

An Employees’ Provident Fund Organisation (EPFO) subscriber can use the Unified Mobile Application for New-age Governance (UMANG) app on his or her smartphone to view the Employees’ Provident Fund (EPF) passbook for checking account balance and claim settlement, and also monitoring claim status. The EPFO hosts its services on the UMANG app which was launched by the ministry of electronics and information technology. Here is a step-by-step guide on how to check EPF account balance on smartphones:

  • Step 1: Open the Google Play Store app on an Android smartphone to download the UMANG app. iPhone users can download the UMANG app from the iOS app store.
  • Step 2: After downloading the app, enter the One-Time Password (OTP) that will be sent to the smartphone. OTP is needed for signing up on the UMANG app.
  • Step 3: Enter Aadhaar number on the UMANG app. Aadhaar linking is mandatory if an EPFO subscriber wants to request online transfers or claims through the app.
  • Step 4: After the app is activated or initialised, the homepage on the app will display the EPF option.
  • Step 5: Three services are provided under the employee-centric services section of the app - view passbook, claim request for pension withdrawal (either partial withdrawal or full settlement), and track claim status.
  • Step 6: Enter the Universal Account Number (UAN) and receive an OTP on the registered phone.
  • Step 7: After entering the OTP in the app, the EPF passbook can be viewed and also downloaded in PDF format.

How to Check EPF Balance of Exempted Establishments/Private Trusts

Since the EPF contribution, in the case of an exempted establishment or private trust, goes to the company managed trusts rather than the Employees' Provident Fund Organisation, only the company managed trust can reveal an employee's PF account balance. There is no common method for checking PF balance when it comes to EPF accounts maintained with exempted establishments. The EPFO does not provide passbook facility for the members of exempted establishments.

According to the Employee Provident Fund and Miscellaneous Provisions Act, 1952, some employers can manage their own PF schemes for their employees. Exempted establishments are large companies like Godrej, HDFC, Nestle, Wipro, TCS, Infosys, etc. that have in-house EPF trusts and are exempted from contributing their EPF corpus to the EPFO. These exempted establishments can manage the EPF corpus with their own trusts. However, these trusts are expected to provide higher returns than the EPFO-managed fund. The same rules for EPF contribution to EPFO apply to these trusts as well.

Employees of such exempted establishments can check their EPF balance in the following 4 ways:

  1. Check your PF slip or payslip: Most big establishments, provide salary slips to their employees via internal emails. Employees can check their payslips for EPF account balance. Some companies also give EPF slip in addition to the salary slip. Employees can find their monthly contributions as well as their EPF account balance in that slip.
  2. Check the company's employee portal: Most large companies maintain a company website on which employees can login and check their EPF account balance in the EPF section. Wipro and TCS are an example of such companies that provide the online facility to check one's EPF account balance and get PF statement.
  3. Check with the company's HR department: Employees contact the company's HR department as it deals with the employees' PF and is better able to provide the related details.
  4. Track your contributions: Employees can keep track of their monthly contributions by checking their salary slips and thus calculate the annual EPF balance. Use the interest rate set by the EPFO for EPF interest calculation. Keep in mind, a fixed sum of money (up to Rs.1,250 per month) goes to the EPS account.

While EPF balance of non-exempted establishments can be checked easily by giving a missed call or sending an SMS to the EPFO, or downloading the EPF passbook from the EPFO website, or through the UMANG app, in the case of exempted establishments, employees will have to follow the above-mentioned 4 ways. EPF statements are released by the private trusts of the exempted establishments minimum once a year. The employer has to provide the employees with the facility to check their EPF balance. If it is not provided, employees can raise a complaint.

EPF Balance Check via UMANG App

Here is a step-by-step guide to check EPF balance using the UMANG app:

  • The UMANG app launched by the Ministry of Electronics and Information Technology can be used to view EPF passbook, EPF balance, EPF claim settlements, and status of the EPF claims.
  • Download the UMANG app from the Google Play store or iOS store.
  • A One-Time Password (OTP) is sent to the mobile or device on which the app is downloaded for registration.
  • Link Aadhaar to the app for placing claim or transfer requests.
  • The homepage of the app will have the EPF option once it is initialised.
  • The ‘Employee Centric Services’ of the app offers options like ‘view passbook’, ‘track claim status’, and ‘make claim requests’ for pension withdrawal (full and partial withdrawals) and final settlement.
  • To access the EPF details, the user has to enter the username which is the UAN and password which is the OTP that will be sent to the mobile number registered with the EPFO.
  • The EPF passbook can be viewed and downloaded in PDF format.
  • The 'General Services' offered on the UMANG app include Search Establishment, Search EPFO Office, Know Your Claim Status, Account Details on SMS, and Account Details on Missed Calls.
  • The 'Employer Centric Services' include Get Remittance Details by Establishment ID and Set TTRN Status.
  • The other services offered on the UMANG app are ‘eKYC Services’ like Aadhaar Seeding and ‘Pensioner Services’ like updating Jeevan Pramaan.

EPF Balance for inoperative Accounts

According to a notification issued by Government in November 2016, even the dormant accounts will continue to accrue interests and it will not be classified as inoperative anymore. EPFO had stopped paying interest to dormant accounts since 2011. But once the new amendment comes into effect, all inoperative accounts will receive interests at the rate of 8.8% per annum. Earlier, accounts turned inoperative chiefly due to two reasons—the cumbersome processes involved in EPF transfer and employees preferring to open new accounts while switching jobs. Communication gap between current and previous employers of an individual also contributes largely to the same. In cases where employees are unable to track the details of their old inoperative accounts, they can approach the EPFO help-desk and get the balance in those accounts transferred to the current one.

EPF Customer Care

EPFO has launched various mobile and web based services to solve account related queries and to help customers know their EPF status with ease. You may register your grievances by dialing the EPFO India helpline number 1800118005. The PF regulator is also strengthening its social media presence to handle grievances and requests from members. Currently, both Facebook and Twitter handle of EPFO is receiving suggestions, feedback, complaints, all of which are attended within 24 hours by the officials of regional centers. As of May 2016, the Facebook page and Twitter account of EPFO have around 3500 and 700 followers respectively. The social networking platform comes as an additional support to the online public grievance addressing system of regional EPF centers. You can get information about regional offices by visiting the EPFO website.

At the end of each salary period, annual statements of PF accounts will be made available in the EPFO website, which can be downloaded by employers through the E-Sewa portal . Discussed below is a step by step process to download EPF balance statement.

  • In your web browser type the url http://epfindia.gov.in/
  • In the EPFO home page, click on the link “For Employers”
  • Further under the services listed in the page, select “ECR/Challan Submission”
  • It will navigate to the “Employer E-Sewa” page
  • Click on the “Employer E-Sewa” link given in the page and sign in using your credentials
  • In the downloads tab, select download PF slips and choose your desired located to save the pdf.

News on EPF

  • Aadhaar not Mandatory for EPF Contribution

    The Employees’ Provident Fund Organisation (EPFO) had issued a notification stating that the Aadhaar number is not mandatory for EPF subscribers. The circular was issued in light of the recent Supreme Court judgement regarding the constitutional validity of the Aadhaar.

    EPF subscribers were previously required to seed their Aadhaar details with their EPF Universal Account Number (UAN). The Aadhaar card was recognised as the most efficient way to identify individuals for online transactions, which is one of the reasons why it was mandated by the EPFO for its KYC procedure.

    Subscribers were previously penalised for not seeding their Aadhaar details with their EPF account but with the new circular issued by the EPFO has negated the procedure.

    2 November 2018

  • It is easy to check EPF Balance on your smartphone

    Checking your EPF balance has become easier now, as you can check on it anytime and anywhere. All you need is a smartphone with internet access and the UMANG (Unified Mobile Application for New-age Governance) app installed in it. The UMANG app is available for both Android and iOS devices. Open the app and register with the OTP sent to your device. Once the registration process is completed, you can find the EPF option. Go to the EPF services option. The app currently offers three services: Viewing the passbook, raising a claim for pension withdrawal, and tracking the status of a claim. Simply login using your UAN and an OTP. Now you will be able to view and download your EPF passbooks.

    23 May 2018

  • Employer Contribution towards EPF for new Employees to be Subsidized

    The Cabinet Committee on Economic Affairs has approved an amendment to the Pradhan Mantri Rojgar Protsahan Yojana (PMRPY) that the government would pay the complete employer contribution towards the EPF. This is applicable for three years and strictly for the new employees that join the workforce.

    In the circular issued by the Directorate General of Employment, the government would be contributing the full amount of the EPF and the EPS for the next three years. The scheme would be in effect from 1 April, 2018. The last date for registration to avail the benefit is 1 May 2019.

    At present, the government pays 8.33% of the employers’ EPF contribution for all new employees in the workforce from April 2016. As per the government’s records, approximately 31 lakh beneficiaries have registered to the scheme.

    4 May 2018

  • Employment Pension Scheme Minimum Amount to Double

    With a number of protests especially from Government employees, the Government has finally decided to increase the minimum Employment Pension scheme wages to Rs.2,000. Previously, the minimum wages of the scheme was set at Rs.1,000 and subscribers to the scheme protested saying that the wages weren’t enough and that the Government hasn’t been doing much to help the cause. The minimum wage for the Employee Pension Scheme was set in September 1, 2014 and since then, there has been no increase in the said wages, causing tempers to flair amongst government employees. To keep them calm, the Government has decided to increase the minimum wages of this scheme after they made an evaluation of the funds. Now, depending on the contribution made by the employee, the minimum wages will be set between Rs.2,000 and Rs.2,500. For employees enrolled in the EPF’s special scheme - EPF95 - the minimum wages has been set to Rs.7,500 from the previous Rs.5,000 minimum wage limit under the scheme.

    9 April 2018

  • Is the EPF Minimum Monthly Payment Likely to Double?

    In its 34th report, the Parliamentary Standing Committee on Labor suggested the government assess the minimum monthly payment under the Employee Pension Fund of 1995. The report states that the minimum monthly payment of Rs 1,000 is insufficient to fulfill even the most basic necessities of pensioners. In response to the suggestion in the report, the government plans on doubling the current minimum monthly payment to Rs 2,000. If the plan is implemented, it is likely to cost the government approximately Rs 1,600 crore. However, if the plan is set into motion, roughly 40 lakh pensioners are stand to benefit from its implementation. The demand for an increase in the minimum monthly pension payments is one that has been made several times over the years.

    21 March 2018

  • Government to pay 12% of the employees contribution for new employees

    Following the Union Budget of 2018, which has taken place on February 1, 2018, the Government has made a move that will not only increase the popularity of the EPF but will surely increase its reach across the country. At the Union Budget, the Government announced that they would instead make the 12% contribution towards the the EPF scheme for new employees for the next three years. This will ensure that new employees will be fixated to the scheme, and their employers will carry out the additional 12% contribution as usual.

    2 February 2018

  • Union Budget 2018 to benefit senior citizens

    In order to ease the troubles of senior citizens in the country, the Union Budget of 2018 rolled out a number of benefits for them. Now, senior citizens are exempt from tax upto Rs.50,000 for investments made in banks and post offices from the previous Rs.10,000. In addition, no TDS will be deducted for fixed deposits and recurring deposits, and the tax deduction limit in the health and medical sectors have been increased from Rs.30,000 to Rs.50,000. In the case of critical illnesses, the tax deduction limit has been raised between Rs.60,000 to Rs.1 lakh, depending on the age of the senior citizen. For those enrolled in the Pradhan Mantri Vaya Vandana Yojana, the investment limit has been raised to Rs.15 lakh to help senior citizens in the country save for all their necessities.

    2 February 2018

  • Government likely to increase EPFO Equity Investment Limit to 25%

    According to a report from the Economic Times, the investment towards the government is likely to increase from 15% to 25%. At present, 15% of the annual influx made towards the provident fund is invested in Exchange Traded Funds (ETF) equities. The increase in the expected returns and decline in debt has been sighted as the reason for the government’s tentative decision. In the 2017 financial year, equity returns exceed by 13.5%, while debt was on 8.5% as compared to the 8.65% that was estimated for 2017.

    The EPFO’s equity allocation is likely to increase to Rs 50,000 crore if the proposal is accepted. At present, the EPFO over Rs 22,000 has been invested in ETFs, with an increase from Rs 6,577 crore in 2016 to Rs 14982 crore in 2017. The proposal will have to be approved by the EPFO’s Central Board of Trustees in order to be executed. If approved the plan would replace the government mandate of 2015 when 5% to 15% was to be invested in equity and other associated investments.

    31 January 2018

  • Government reduced interest rates on its schemes

    In what could be a set back to millions of subscribers, the Government has reduced the interest rate by 0.2% for all Government schemes - including Public Provident Fund (PPF) and Kisan Vikas Patra (KVP), by 0.2 percentage point for the fourth quarter of the fiscal. According to a source, the PPF and NSCs will earn 7.6 per cent interest from January 1, 2018, while KVPs will earn even less (7.3 per cent), a Finance Ministry notification said on Wednesday. Prior to the reduction, the  PPF, NSC and KVP were offering 7.8, 7.8 and 7.5 per cent interest, respectively. In addition, while the Senior Citizens Savings Scheme of five-year period will offer 8.3 percent interest, the Sukanya Samriddhi Yojana for the girl child will now offer 8.1 per cent. Lastly, the government retained the interest on savings deposits at 4 percent, compounded annually.

    29 December 2017

  • Government of India all set to roll out Gratuity Bill

    In what would be a relief for all workers, the Government is all set to roll out a gratuity act. According to the Lok Sabha, the Payment of Gratuity (Amendment) Bill, 2017 was introduced by labour minister Santosh Kumar Gangwar in the House, amid continued sloganeering by opposition members and counter-slogans by those of the Bharatiya Janata Party (BJP). The act was enacted to provide for gratuity payment to employees engaged in factories, mines, oilfields, plantations, ports, railway companies, shops or other establishments. It is applicable to employees who have completed at least five years of continuous service in an establishment that has ten or more persons. Apparently, the proposal comes against the backdrop of the Maternity Benefit (Amendment) Act, 2017 enhancing the maximum maternity leave period to 26 weeks. The Lok Sabha responded by saying that it is therefore proposed to empower the central government to enhance the period of existing twelve weeks to such period as may be notified by it. The Lok Sabha ended the session by saying that It has also been proposed to empower the central government to notify the ceiling proposed, instead of amending the said Act, so that the limit can be revised from time to time keeping in view the increase in wage and inflation, and future Pay Commissions.

    29 December 2017

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