Check Your EPF Balance Online

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:

Table of Contents

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:

  1. First, the employees must visit the EPFO portal (https://www.epfindia.gov.in/site_en/index.php).
  2. Visit EPFO Portal
  3. On the next page, the member must click on ‘For Employees’ under the ‘Our Services’ tab.
  4. EPFO For Employees
  5. Next, the member must click on ‘Member Passbook’ which can be found under the ‘Services’ column.
  6. EPFO Member Passbook
  7. On the next page, the member must enter his/her UAN, password, and captcha details and click on ‘Login’.
  8. EPFO Username Password
  9. On the next page, the member will be able to check his/her EPF balance under the respective Member ID.
  10. Check PF 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. 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. After clicking on it, you will have to provide your UAN number and enter the One-Time Password (OTP) sent to your registered mobile number. Click on ‘Login’ and you will be able to view 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 8.5% per annum.The contribution will be made till you attain the age of 58 years or until the withdrawal date whichever is earlier.

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

  1. Is it possible for individuals to check the EPF balance of their previous organisation?
  2. 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.

  3. Is it possible to use the PAN number to check the EPF balance?
  4. 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.

  5. Is it possible to check the EPF balance using Aadhaar number?
  6. 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.

  7. Is it possible to check the EPF balance via SMS without linking the mobile number to the UAN?
  8. 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.

  9. Can the PF number be used to check the EPF balance?
  10. 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.

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

  • EPF rules relaxed to help tide over hardship caused by lockdown

    Union Finance Minister Nirmala Sitharaman has announced that the rules related to Employees’ Provident Fund have been relaxed to help tide over hardship caused by the coronavirus lockdown. EPF subscribers will now be able to withdraw either 75 percent of the provident fund balance or 3 month wages as a non-refundable advance, whichever is lower. The move is expected to benefit around 4.8 crore employees.

    She added that the government will be paying the Employees' Provident Fund (EPF) contribution, both of employer and employee which comes up to 24 percent of an employee's basis salary for the next three months. This is applicable to only those establishments which have up to 100 employees and 90% of them earn less that 15,000.

    26 Mar 2020

  • Professionals with disabilities and women may be offered a 3% reduction in PF contribution

    A change in the PF contribution rules is being considered by the government so that certain individuals such as professional workers with disabilities, working women, and working men between the ages of 25 years and 35 years will get a reduction in PF contribution by 2%-3%.

    However, the reduction in PF contribution will not be applicable to all. According to a senior government official, the changes will not be universal and will be applicable only to a certain class of workers. He further added that the workers will be decided on a certain criterion. Currently, 12% of the employee’s basic salary is contributed as PF by the employee and employer. In case the proposed change comes into effect, the take-home salary of the employee may increase. However, the retirement corpus will reduce. Talks are ongoing to decide on the criteria of workers that will receive a reduction of PF contribution. A decision regarding the same is expected to be made soon. The labour ministry has made a proposal to make the Employee Provident Fund & Miscellaneous Provisions Act flexible in order to allow different rates of contribution. However, the contribution that the employer makes will remain the same.

    22 Jan 2020

  • Know your PF balance using your UAN/PF number

    Subscribers of the Employees’ Provident Fund can now check their balance by using their Universal Account Number (UAN) or Provident Fund (PF) number. This can now easily be done online without having to go through the employer. Subscribers also don’t need to wait for the annual Provident Fund statement that is usually provided at the end of the year. The EPF balance check can now be done without the UAN as well. To do this, subscribers have to log into the government’s EPF website, click on the tabs for ‘'Know Your EPF Balance’' and ‘'Member Balance Information’', select the state, enter the name, registered mobile number, and PF account number, and submit the information, whereupon the PF balance will be shown on the screen.

    25 Jan 2020

  • Lower returns to be fetched by EPF in FY19-20

    The finance ministry has given a nod to offer interest rate of 8.65% on Employee Provident Fund (EPF) for the financial year ended March 2019. However, for the period ending March 2020, there is a likelihood of the interest rate on compulsory EPF to show a downward trend. Two government officials aware of the matter have revealed that the reduction in the earnings can be by as much as 15 to 25 basis points. One basis point is equivalent to one-hundredth of a percentage point. The lower yield on government securities and the current economic slump will be taken into account by the government while making the decision. Other fixed income securities such as post office savings schemes, PPF, and fixed deposits will also be considered. However, it is noteworthy that despite the prod from the finance ministry, the interest rate on small savings scheme has been kept unchanged for the first quarter of the calendar year 2020. The EPF interest rates are likely to be announced by the end of January.

    06 Jan 2020

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