Employees can submit a request to check EPFO online or offline, using their UAN, registered phone number, or alternative verification options. An EPFO check balance function enables employees to manage contributions, plan spending, and maintain transparency in their PF accounts.
Key Takeaways
-
Employees can access their EPF balance online or offline via the EPFO web, the UMANG app, SMS, or a missed call.
-
Mobile-based services allow you to monitor your PF balance even if you do not have a UAN number.
-
UAN is necessary for accessing the EPFO site and making online withdrawals.
-
Employees in exempted establishments must contact their company's PF trust for balance of information.
How To Check PF Balance?
PF balance can be checked easily by using a variety of online and offline techniques via your UAN on the EPFO web, the UMANG mobile app, or phone verification. Employees who choose to check their EPF balance online can do so using the EPFO site or via UMANG.
Additionally, an EPF balance check online allows employees to verify monthly contributions, track withdrawals, and validate interest credits. Offline methods, such as SMS and missed call services, also allow you to check your amount without signing in.
EPF Balance Check Using UAN
Members can do their PF balance check with UAN number via the EPFO portal or the UMANG app. Both options require a valid UAN and a registered phone number. These options enable speedy verification of contributions and interest, resulting in an efficient PF balance check by UAN access.
1. PF Balance Check through EPF Portal
Step 1: Go to the EPFO Member e-Seva site and choose the 'For Employees' option under 'Services'.
Step 2: From the services menu, select 'Member Passbook'.
Step 3: Sign in with your UAN, password, and captcha code.
Step 4: Enter the OTP that was issued to your Aadhaar-linked cellphone number.
Step 5: After authentication, your PF passbook will appear, including employee and employer contributions as well as interest earned.
2. PF Balance Check through UMANG App
Step 1: Download and install the UMANG app.
Step 2: Launch the app and navigate to Services > Social Security > EPFO.
Step 3: Under 'Employee Centric Services', select 'View Passbook'.
Step 4: Enter your UAN and authenticate your identity using the OTP issued to your registered cellphone number.
Step 5: Select the employer PF account you'd want to access.
Step 6: Your EPF passbook, which includes deposit and withdrawal data, will display and may be downloaded for future reference.
How To Check PF Balance Without UAN Number?
When UAN information is absent or not active, employees can do a PF balance check without UAN number using SMS or missed call services. Both services demand that your cell number be associated with your EPFO account.
PF Balance Check by SMS
Follow these steps:
-
Open your SMS app and enter EPFOHO UAN.
-
Send it to 7738299899.
-
You will receive your PF balance and contribution information by SMS.
You can also choose your preferred language by adding the first three letters (e.g., TAM for Tamil, HIN for Hindi). This option is only accessible if your mobile phone number has been updated in the EPFO system.
PF Balance Check through Missed Call
If your mobile number is linked to your EPFO records and KYC credentials, you may check your PF balance without providing your UAN number using the missed call function.
Steps:
Make a missed call to 9966044425.
The call disconnects automatically.
You will receive an SMS containing your PF balance.
If your cell number is not linked to your UAN or KYC details, you will be unable to use this PF balance check without UAN feature.
How to Check EPF Balance for Exempted Establishments?
Employees working in exempted firms are unable to access their PF balance on the EPFO portal. Instead, they should contact their company's PF trust to obtain an updated account statement.
Companies keep these trust accounts separate. An EPF balance check must be conducted directly with the employer. The trust will issue statements that include contributions, withdrawals, and interest credits. This guarantees that workers of exempt organisations can conduct an EPF balance check whenever necessary.
To find your PF balance, use the following options:
-
Examine your monthly income slip, which typically contains PF contributions from both the company and employee.
-
Log in to your company's internal employee site to access the trust's PF statements.
-
Contact the HR or payroll department to receive the most recent PF balance statement or yearly trust report.
How to Find Your UAN Number?
If you don't have a registered mobile number, your UAN (Universal Account Number) is essential for accessing your PF balance and for withdrawal purposes. Here are two ways to find your UAN:
Through Your Employer
The simplest method to find your UAN is by checking your monthly salary slips, where it's usually listed. Alternatively, you can contact your HR department directly to obtain your UAN.
Using the UAN Portal
Follow these steps to retrieve your UAN through the UAN portal:
-
Visit the UAN portal and navigate to the ‘Important Links’ section. Click on ‘Know Your UAN’.
-
On the following page, input your mobile number and the displayed captcha, then click ‘Request OTP’.
-
After receiving an OTP alert, click ‘OK’.
-
Enter the received OTP and captcha, then click on ‘Validate OTP’.
-
Input your name, date of birth, and one of the following - Aadhaar, PAN, or Member ID. Enter the captcha and click on ‘Show My UAN’.
-
A pop-up will display your UAN.
Also Read More About How to Link Aadhaar Card with EPF Account?
How to Withdraw EPF Using UAN?
You can withdraw your EPF corpus using online or offline methods:
Online EPF Withdrawal Process
-
Log in to the UAN portal with your UAN and password. Enter the captcha and sign in. Use the ‘Forgot Password’ option if necessary.
-
Navigate to the ‘Manage’ section and select ‘KYC’ to verify your Aadhaar, PAN, and bank details.
-
Go to ‘Online Services’ and select ‘Claim (Form-31, 19, 10C & 10D)’.
-
Verify your details and bank account number, then click ‘Verify’.
-
Agree to the ‘Certificate of Undertaking’ by clicking ‘Yes’.
-
Select ‘Proceed for Online Claim’.
-
Choose the type of claim (full EPF settlement, partial withdrawal, or pension withdrawal) under ‘I Want To Apply For’. If not eligible, no withdrawal option will be displayed.
-
For an advance, select 'PF Advance (Form 31)', specify the reason, amount, and your address.
-
Submit your application by clicking on the certificate. You may need to upload supporting documents depending on the claim type.
-
Your employer will need to approve the withdrawal. Funds typically transfer to your bank account within 15-20 days.
These steps ensure you can effectively manage your PF account and withdraw funds as needed.
How to Withdraw EPF Offline?
You can withdraw your PF funds offline by completing and submitting the Composite Claim Form. There are two versions of this form: one for Aadhaar cardholders and another for those without Aadhaar.
For Aadhaar Cardholders:
Step 1: Specify whether the application is for a final settlement or a partial withdrawal.
Step 2: Complete the form in block letters, including your name, 11-digit UAN, and 12-digit Aadhaar number.
Step 3: Record the dates you joined and left the establishment.
Step 4: State the purpose of the withdrawal and provide any required documentation based on your reason.
Step 5: If your service was less than 5 years, include your PAN.
Step 6: If applicable, attach two copies of Form 15G/15H and state your reason for leaving if it's a final settlement.
Step 7: Provide your address, then submit the form directly to the relevant EPFO office without needing employer attestation, assuming all your details are updated on the UAN Portal.
Note: TDS applies if service is under 5 years. Consider consolidating multiple PF accounts if you've changed jobs frequently.
For Non-Aadhaar Cardholders:
Step 1: Choose between final settlement and part withdrawal.
Step 2: Fill out the form in block letters with your name, 11-digit UAN or PF number, and details.
Step 3: Include your father’s or husband’s name and your date of birth.
Step 4: Document your employment start and end dates.
Step 5: Describe the purpose of your withdrawal and provide the necessary documents.
Step 6: Add your PAN if employed for less than 5 years.
Step 7: Mention your address and attach an original cancelled cheque.
Step 8: After getting your form attested by your employer, submit it to the appropriate EPFO office.
Note: This form is necessary when your Aadhar and bank details are not linked with your UAN. TDS will be deducted if the service is less than 5 years. It's advisable to merge all PF accounts if you have changed jobs multiple times.
Things to Remember
-
An EPF balance check on the EPFO site is only available if your UAN is active and appropriately registered.
-
Members of exempted establishments or private trusts are unable to make an EPF balance check on the EPFO portal since their PF records are managed by employer-run trusts.
-
To ensure a seamless EPF balance check, keep your mobile number, bank account data, and KYC information up to date.
-
Linking your Aadhaar and PAN speeds up verification and reduces processing delays.
-
In exempted organisations, an EPF balance check is only available through the employer-managed PF trust.
-
Keep your UAN active so you can readily visit the EPFO site, process claims, and check your monthly PF contributions.
Conclusion
EPF is mandatory for employees in companies with a PF scheme. Every employee must maintain a PF account, which is crucial for financial security in retirement. A UAN (Universal Account Number) is essential for online access and withdrawals from your PF account. A PF account offers numerous benefits, including tax advantages and free insurance coverage. Keeping your UAN up-to-date ensures you can maximise these benefits and easily manage online PF withdrawals.