How To Check Your EPF Balance Online in 2024

How To Check Your EPF Balance Online in 2024

Jun 22, 2024

15 Mins

The Employees' Provident Fund (EPF) balance represents the accumulated savings contributed by both the employee and the employer. This fund acts as a long-term savings tool, providing financial security upon retirement or when switching jobs.

Why Checking Your EPF Balance is Important

Monitoring your EPF balance helps you manage your retirement savings effectively, plan expenses, make informed financial decisions, and assess your financial health within the EPF scheme. Additionally, knowing your EPF balance is crucial if you are considering loans against your EPF savings, as it provides insight into the available funds. The current interest rate on EPF accounts for FY 2024-25 is 8.25%.

Checking your EPF balance is now simpler for members of the Employees’ Provident Fund Organisation (EPFO).

Methods to Check EPF Balance:

1. EPFO Portal Employees can access their EPF passbook using the EPFO portal if they have an activated UAN. Follow these steps:

  1. Visit the EPFO portal: EPFO Portal

  2. Click on ‘For Employees’ under the 'Services’ tab.

  3. Select ‘Member Passbook’ under the ‘Services’ column.

  4. Enter your UAN, password, and captcha details, then click on ‘Sign In’.

  5. Check your EPF balance under the respective Member ID.

2. UMANG App The UMANG app allows employees to check their EPF balance, raise claims, and track them. Register using the mobile number linked with your UAN.

Steps to view EPF transactions:

  1. Install and open the UMANG app.

  2. Click on the EPFO option.

  3. Select 'Employee Centric Services'.

  4. Choose 'View Passbook'.

  5. Enter your UAN and the OTP sent to your registered mobile number, then click on ‘Login’ to view EPF transactions.

3. Missed Call EPF members can check their balance by giving a missed call to 011-22901406 from their registered mobile number. Ensure your PAN, Aadhaar, and bank account number are linked with your UAN.

4. SMS Service If your UAN is activated, send an SMS to 7738299899 in the format: EPFOHO UAN ENG (preferred language). The available languages include Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Gujarati, Punjabi, Hindi, and English.

Submitting an e-Nomination in EPFO

Though not mandatory, e-nomination is recommended to ensure that your EPF account can be seamlessly claimed by nominated individuals in the event of your demise.

Steps for e-nomination:

  1. Visit the UAN Member e-Sewa portal.

  2. Log in with your UAN, password, and captcha code.

  3. Go to the 'Manage' tab and select 'E-nomination'.

  4. Confirm your family declaration.

  5. Add family details and declare the share amount for each nominee.

  6. Save the EPF Nomination and generate an OTP for e-signing.

  7. Submit the OTP received on your mobile number linked with Aadhaar.

Checking Your PF Balance Without a Registered Mobile Number

You can check your PF balance without using your registered mobile number by:

  1. Visiting the PF Passbook Portal

  2. Logging in with your UAN and Password.

  3. Selecting the PF account to examine and clicking on ‘View PF Passbook Old’.

  4. Viewing the details of your PF balance, including employee and employer contributions, and pension balance.

  5. Reviewing yearly PF contributions by clicking on ‘View Passbook (New: Yearly)’.

Checking EPF Balance for Exempted Establishments/Private Trusts

For EPF accounts maintained with exempted establishments or private trusts, the balance can be checked through the following ways:

  1. Check your PF slip or pay slip: Look for EPF account balance details in the slips provided by your employer.

  2. Company's employee portal: Log in to your company's employee portal to check the EPF account balance.

  3. HR department: Contact your company's HR department for EPF details.

  4. Track your contributions: Monitor your monthly contributions through salary slips and calculate the annual EPF balance.

Interest on EPF Balance for Inoperative Accounts

EPF accounts do not earn interest once they become inoperative due to reasons such as retirement at 55, migration to a foreign country, or the death of the employee before withdrawal. The account remains active till the employee reaches the age of 58 if employment ceases before 55.

By keeping track of your EPF balance and understanding the processes involved, you can effectively manage your retirement savings and ensure financial security for your future.

The Employees' Provident Fund (EPF) balance represents the accumulated savings contributed by both the employee and the employer. This fund acts as a long-term savings tool, providing financial security upon retirement or when switching jobs.

Why Checking Your EPF Balance is Important

Monitoring your EPF balance helps you manage your retirement savings effectively, plan expenses, make informed financial decisions, and assess your financial health within the EPF scheme. Additionally, knowing your EPF balance is crucial if you are considering loans against your EPF savings, as it provides insight into the available funds. The current interest rate on EPF accounts for FY 2024-25 is 8.25%.

Checking your EPF balance is now simpler for members of the Employees’ Provident Fund Organisation (EPFO).

Methods to Check EPF Balance:

1. EPFO Portal Employees can access their EPF passbook using the EPFO portal if they have an activated UAN. Follow these steps:

  1. Visit the EPFO portal: EPFO Portal

  2. Click on ‘For Employees’ under the 'Services’ tab.

  3. Select ‘Member Passbook’ under the ‘Services’ column.

  4. Enter your UAN, password, and captcha details, then click on ‘Sign In’.

  5. Check your EPF balance under the respective Member ID.

2. UMANG App The UMANG app allows employees to check their EPF balance, raise claims, and track them. Register using the mobile number linked with your UAN.

Steps to view EPF transactions:

  1. Install and open the UMANG app.

  2. Click on the EPFO option.

  3. Select 'Employee Centric Services'.

  4. Choose 'View Passbook'.

  5. Enter your UAN and the OTP sent to your registered mobile number, then click on ‘Login’ to view EPF transactions.

3. Missed Call EPF members can check their balance by giving a missed call to 011-22901406 from their registered mobile number. Ensure your PAN, Aadhaar, and bank account number are linked with your UAN.

4. SMS Service If your UAN is activated, send an SMS to 7738299899 in the format: EPFOHO UAN ENG (preferred language). The available languages include Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Gujarati, Punjabi, Hindi, and English.

Submitting an e-Nomination in EPFO

Though not mandatory, e-nomination is recommended to ensure that your EPF account can be seamlessly claimed by nominated individuals in the event of your demise.

Steps for e-nomination:

  1. Visit the UAN Member e-Sewa portal.

  2. Log in with your UAN, password, and captcha code.

  3. Go to the 'Manage' tab and select 'E-nomination'.

  4. Confirm your family declaration.

  5. Add family details and declare the share amount for each nominee.

  6. Save the EPF Nomination and generate an OTP for e-signing.

  7. Submit the OTP received on your mobile number linked with Aadhaar.

Checking Your PF Balance Without a Registered Mobile Number

You can check your PF balance without using your registered mobile number by:

  1. Visiting the PF Passbook Portal

  2. Logging in with your UAN and Password.

  3. Selecting the PF account to examine and clicking on ‘View PF Passbook Old’.

  4. Viewing the details of your PF balance, including employee and employer contributions, and pension balance.

  5. Reviewing yearly PF contributions by clicking on ‘View Passbook (New: Yearly)’.

Checking EPF Balance for Exempted Establishments/Private Trusts

For EPF accounts maintained with exempted establishments or private trusts, the balance can be checked through the following ways:

  1. Check your PF slip or pay slip: Look for EPF account balance details in the slips provided by your employer.

  2. Company's employee portal: Log in to your company's employee portal to check the EPF account balance.

  3. HR department: Contact your company's HR department for EPF details.

  4. Track your contributions: Monitor your monthly contributions through salary slips and calculate the annual EPF balance.

Interest on EPF Balance for Inoperative Accounts

EPF accounts do not earn interest once they become inoperative due to reasons such as retirement at 55, migration to a foreign country, or the death of the employee before withdrawal. The account remains active till the employee reaches the age of 58 if employment ceases before 55.

By keeping track of your EPF balance and understanding the processes involved, you can effectively manage your retirement savings and ensure financial security for your future.

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