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Updated on: Dec 1st, 2025
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5 min read

The Employees’ Provident Fund (EPF) is a retirement savings scheme, where you and your employer contribute monthly. Regular EPF balance checks are crucial for tracking contributions, withdrawals, loans, financial planning and tax benefits under Section 80C.
Key Highlights
Quick & Easy Ways to Check EPF Balance:


Members can do their PF balance check with UAN number using the following methods: 
To check your EPF balance, you must first activate your Universal Account Number (UAN), a unique ID allotted to every employee under the EPF scheme. Once activated, you can access your balance through the following steps:
Step 1: Visit the EPF portal and click on the ‘For Employees’ section under ‘Services’ at the top of the page.
Step 2: Click on ‘Member Passbook’ under the ‘services’ section.
Step 3: On the next page, sign in with your UAN, password & Captcha. 
Step 4: You will receive an OTP on your Aadhaar-linked phone number.
Step 5: Enter the OTP and click ‘Verify’. Your PF account balance will be displayed on the screen.

You can check your EPF balance on the UMANG (Unified Mobile Application for New-age Governance) app, which also allows you to file and track claims. It is necessary to register on UMANG using your UAN-linked mobile number to access balance, claim status, and other EPF details on your phone.
Here’s how you can use the UMANG app to view your EPF transactions:
Step 1: Download and install the UMANG app from the Play Store or App Store.
Step 2: Open the app, go to Services → Social Security → EPFO.
Step 3: Under ‘Employee Centric Services’, select ‘View Passbook’.
Step 5: Enter your UAN and verify using the OTP sent to your registered mobile.
Step 6: Once logged in, choose the employer account you wish to view.
Your EPF passbook with all deposits and withdrawals will be displayed, and you can download it for reference.
Members can check PF balance without using UAN through the following methods:  

You can check your PF balance via SMS only if your UAN is active and linked with Aadhaar, PAN, and bank account. Once KYC is completed, send an SMS to 7738299899 from your registered mobile number in the following format – 
‘EPFOHO UAN ENG’.
The last three letters indicate the preferred language you wish to receive the details. 
This facility is available in several languages – English (ENG), Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL), and Bengali (BEN). 

You can easily do EPF balance check by giving a missed call from your registered mobile by following the steps below:
Step 1: Give a missed call to 9966044425 from your registered mobile number.
Step 2: After placing a missed call, you will receive an SMS with your PF details on your registered mobile number.
Note: To check your EPF balance via missed call, ensure:
This service is free of charge. 

Employees working in exempted establishments or private trusts cannot check their EPF balance on the EPFO portal, as their PF contributions are managed by a company-run trust, not the EPFO.
To know your PF balance, you must:
While the EPF is a key retirement savings tool, knowing your UAN helps track your PF account, especially during emergencies or job switches. However, in exempted setups, balance access is restricted to the employer’s trust records.
Regularly checking your EPF balance helps you track your savings, interest, and contributions, making it an essential part of financial planning. With digital services, checking your EPF balance has become quick and convenient. You can easily do it through the EPFO portal, UMANG app, missed call, or SMS, with or without a UAN.
 

Yes. It is possible to check your EPF balance even when the account is inoperative, provided that you are under 58 years of age and have activated your UAN(Universal Account Number).
No, you cannot check your EPF balance using your Aadhaar card. You must provide your UAN to check your EPF balance.
Yes. All EPF accounts linked to a UAN will be displayed when you log into the EPF portal. Thus, you can select the respective member ID of your previous account to check your balance.
EPF balance is updated in your passbook after 24 hours of making the contribution. Thus, you must wait for at least 24 hours of contribution to check the EPF account. 
However, if your EPF balance is not updated after two days of contribution, you should contact your HR department or file a complaint at the EPFO helpdesk.
The EPF account balance is the balance accumulated in an employee’s EPF account. It includes the monthly EPF contributions made by the employer and employee, and the yearly interest credited to the account. 

You can check your EPF balance by:
You can check your PF balance by giving a missed call to 9966044425 from your registered mobile number. After making a missed call, you will receive an SMS with your PF details.
With over 6 years of professional writing experience, primarily focusing on personal finance, mutual funds, and banking, I explore the ever-changing world of money. I aim to educate and empower readers to take control of their finances by breaking down complex financial topics into simple insights. When I am not writing, you can find me exploring new places and flavours.. Read more
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