PF balance is the total amount accumulated in your Employees’ Provident Fund (EPF) account over the course of your employment. It includes your monthly EPF contributions, your employer’s contributions, and the interest earned on the combined balance. This amount grows over time and serves as a retirement savings fund that you can access under specific EPF rules. 

If you are a salaried employee in India contributing to the Employees’ Provident Fund (EPF), you can check your PF balance through several easy methods. Whether you prefer using the EPFO portal, UMANG app, SMS, or a missed call service, this guide explains how to check PF balance quickly and easily. 

How to Check PF Balance on the EPFO Member Portal (Online)

One of the easiest ways to check your PF balance is by using the EPFO Member Passbook portal. 

• Visit the EPFO Member Passbook portal.
• Log in using your UAN (Universal Account Number) and password.
• Enter the captcha.
• Select your Member ID.
• View or download your EPF passbook.

Your PF passbook shows all your EPF details. It includes your employee contribution, employer contribution, and EPS (pension) contribution. You can also see monthly deposits, interest credited, and your total PF balance. 

To check your PF balance, you need an active UAN. Your UAN must be linked with your Aadhaar. You also need a mobile number registered with your UAN. 

Check PF Balance Using the UMANG App 

The UMANG app provides access to various government services, including EPFO. 

• Install the UMANG app.
• Log in using your mobile number.
• Go to EPFO services.
• Select View Passbook.
• Enter your UAN.
• Verify with the OTP sent to your registered mobile number.
• View your PF balance.

Check PF Balance via SMS 

You can also check your PF balance by sending an SMS from your registered mobile number.

SMS format:
EPFOHO UAN ENG

Send to: 7738299899

Example:
EPFOHO UAN TEL

Supported languages:

• English (ENG)
• Hindi (HIN)
• Telugu (TEL)
• Tamil (TAM)
• Kannada (KAN)
• Malayalam (MAL)
• Bengali (BEN)
• Gujarati (GUJ)
• Marathi (MAR)
• Punjabi (PUN)

Before you send the SMS:

• Activate your UAN.
• Link your Aadhaar, PAN, or bank account with your UAN.

Check PF Balance via Missed Call 

You can also check your PF balance by giving a missed call from your registered mobile number to 9966044425. The call disconnects automatically, and you’ll receive an SMS with your PF details. 

The SMS includes:

• Current PF balance
• Latest contribution
• UAN details

Before using this service:

• Use your registered mobile number.
• Make sure your UAN is activated.
• Link your Aadhaar, PAN, or bank account with your UAN.

Check PF Balance Through the EPFO Passbook

You can also check your PF balance by downloading your EPFO passbook. It gives a detailed record of all transactions in your EPF account.

Your passbook shows:

• Month-wise contributions
• Interest credited
• Withdrawals
• Employer contributions
• Closing PF balance

The passbook also helps you verify whether your employer is depositing PF contributions regularly.

How to Activate Your UAN

If your UAN is not activated, you can activate it online through the EPFO Member Portal. The process takes only a few minutes.

Steps to activate your UAN:

• Visit the EPFO Member Portal.
• Click Activate UAN.
• Enter your UAN, Aadhaar, name, date of birth, and mobile number.
• Verify your details using the OTP sent to your mobile.
• Create a password to complete the activation.

Once activated, you can access all EPFO online services, including checking your PF balance.

How to Know If Your Employer Is Depositing PF 

Check your EPF passbook regularly. If monthly contributions appear each month, your employer is depositing PF correctly. If contributions are missing for multiple months, contact your employer first or file a grievance with EPFO. 

Now that you know how to check PF balance using the EPFO portal, UMANG app, SMS, or missed call service, you can monitor your retirement savings anytime. 

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Frequently Asked Questions 

How often is the PF balance updated?
Employer contributions are generally reflected after the employer uploads the monthly Electronic Challan-cum-Return (ECR). Interest is credited annually after EPFO processes it. 

Can I check my PF balance without the internet?
Yes. Give a missed call to 9966044425 or send an SMS to 7738299899 from your registered mobile number to receive your PF balance details.

Is there any fee for checking the PF balance?
No. EPFO’s online portal, UMANG app, SMS, and missed call services are free. Standard SMS charges may apply depending on your mobile plan.

Can I check multiple PF accounts using one UAN?
Yes. If multiple Member IDs are linked to your UAN, you can view each account’s passbook separately.

What should I do if my PF balance is incorrect?
First, contact your employer’s HR or payroll department. If the issue persists, submit a grievance through EPFO’s grievance system with supporting details.

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