Check Your EPF Balance Online Last Updated : 20 Sep 2019

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Checking of the Employees Provident Fund (EPF) balance has become very simple for members of the Employees’ Provident Fund Organisation (EPFO). The four different methods to check the EPF balance are mentioned below:

1. EPFO Portal

Employees can use the EPFO portal to access their EPF passbook. However, the employees must have a UAN and it must be activated. Given below is the process that employees must follow to check the EPF balance using the EPFO portal:

  • First, the employees must visit the EPFO portal (https://www.epfindia.gov.in/site_en/index.php).

EPFO Login

  • On the next page, the member must click on ‘For Employees’ under the ‘Our Services’ tab.

EPFO Login

  • Next, the member must click on ‘Member Passbook’ which can be found under the ‘Services’ column.

EPFO Member Passbook

  • On the next page, the member must enter his/her UAN, password, and captcha details and click on ‘Login’.

EPFO Username Passowrd

  • On the next page, the member will be able to check his/her EPF balance under the respective Member ID.

Check EPF Balance

2. UMANG App

By downloading the Unified Mobile Application for New-age Governance (UMANG) app, employees will be able to check the EPF balance on a mobile phone. The app was introduced by the government in 2018 and various government services are available on the app. Apart from checking EPF balance, claims can be raised as well as tracked on the app. A one-time registration must be done using the member’s mobile number that has been registered with the UAN to have access to the app.

Let us take a look at how you can view your historical EPF transactions through the UMANG app:

  • Install the app and open it on your mobile phone. Click on the EPFO option.
  • Click on EPFO Option

  • Select “Employee Centric Services”
  • Select Employee Centric Services

  • On the next screen, you will find the “View Passbook” option. Clicking on this will display your EPF transactions, including withdrawals and deposits from your current and previous employment.
  • View Passbook

3. Missed Call

EPF members can also check their balance by giving a missed call to 011-22901406 from their registered mobile number. However, the employee’s Permanent Account Number (PAN), Aadhaar, and bank account number must be linked with their UAN in order to avail this service. In case the above details are not linked with the UAN, the employee can request the employer to link them.

4. SMS Service

In case employees have activated their UAN, they can send an SMS to 7738299899 to check their PF balance and the last contribution. The format that the SMS should be sent in is EPFOHO UAN ENG. The preferred language that the employee would like to receive the details in is the last three letters.

Currently, the facility is available in Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Gujarati, Punjabi, Hindi, and English. In case the employee wants the PF details in Kannada, the format the SMS must be sent in is EPFOHO UAN KAN. However, the PAN, Aadhaar, and bank details of the employee must be linked to the UAN for the employees to avail these services.

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 log in 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.

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.

FAQs on EPF Balance

Is it possible for individuals to check the EPF balance of their previous organisation?

Yes, it is possible for individuals to check their previous organisation’s EPF balance. Once individuals' log in to EPFO portal using their Universal Account Number (UAN), they will be able to check the balance by clicking on the respective Member ID. All previous Member IDs that have been linked to the UAN will be visible on the portal.

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

To check the EPF balance, the PAN is not required. However, to avail a variety of online services, it is important that the UAN and EPF are linked.

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

No, it is not possible to check the EPF balance using the Aadhaar number. EPF balance can be checked online only by using the UAN.

Is it possible to check the EPF balance via SMS without linking the mobile number to the UAN?

In case individuals want to check their EPF balance via SMS, they must link their mobile number to the UAN. The EPF balance will be sent via SMS only to the registered mobile number.

Can the PF number be used to check the EPF balance?

Individuals must use their UAN details to check their EPF balance online. In order to check the EPF balance online, the PF number is not needed.

Is it possible to check the EPF balance by giving a missed call without registering the mobile number?

In order to check the EPF balance by giving a missed call, the call must be made from the registered mobile number. Therefore, it is mandatory to link your mobile number to the UAN in order to avail these services.

News on EPF

  • Your EPF Account can come in handy when seeking emergency funds

    The Employees’ Provident Fund Organisation has told account holders that the money in their PF accounts can be withdrawn over the course of their service period. All salaried employees are mandated to maintain a PF account as it provides them with funds during their retirement. However, the money in your PF account can be withdrawn if you require emergency funds. The withdrawals are non-refundable but can come in handy when you need some extra cash to meet expenses. According to the EPFO, non-refundable advances can be taken from the account during your service period for reasons such as education, marriage, illnesses, home purchase, etc. The amount of money you can withdraw from your PF account is limited to 90% of the overall PF balance in your account. Moreover, the EPFO has also asserted that up to 75% of your PF balance can be withdrawn if you are unemployed for a period of 30 days or more. Even after you withdraw some of your PF money, you will continue to remain an EPF member and be eligible for pension when you retire.

    17 July 2019

  • 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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