EPF Balance Check — 5 Ways to Check Your PF Balance in 2025

Your EPF (Employee Provident Fund) balance grows every month from contributions by you and your employer, plus annual interest credited by EPFO. Checking it is straightforward once you know your UAN (Universal Account Number) — though some methods work even without it.

Fastest check: Missed call to 9966044425 from your UAN-registered mobile → you'll receive an SMS with your last-known balance.

What You Need Before Checking

• UAN (Universal Account Number) — 12-digit number assigned to every EPF member. Your employer provides it; also printed on payslips.
• UAN-registered mobile number — needed for SMS, missed call, and UMANG methods
• UAN activated — activate once at unifiedportal-mem.epfindia.gov.in if not already done

Don't know your UAN? Ask your HR/employer — they are required to provide it. You can also find it on your monthly payslip.

Method 1 — EPFO Passbook Portal (Full Detailed Passbook)

The most complete method — shows every transaction, month-by-month contributions, and interest.

URL: passbook.epfindia.gov.in

Steps:

1. Go to the passbook portal
2. Enter your UAN and password
3. Click Login
4. Select your Member ID (if you have worked at multiple employers, you'll see multiple IDs)
5. Click View Passbook
6. The passbook shows:
   • Employee contribution each month
   • Employer contribution each month
   • Interest credited annually
   • Running balance (employee + employer + interest)
   • Any withdrawals

You can also download the passbook as a PDF — useful for loan applications or verification.

Note: The passbook is updated monthly. Interest for the full financial year is typically credited in bulk in the last quarter.

Method 2 — UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app lets you check EPF balance on your phone.

Steps:

1. Download UMANG from Google Play or App Store
2. Register / log in with your mobile number
3. Search for "EPFO" in the app
4. Select "Employee Centric Services"
5. Choose "View Passbook"
6. Enter your UAN → authenticate with OTP on your registered mobile
7. View your balance and passbook

UMANG also lets you raise grievances, check claim status, and update KYC details.

Method 3 — SMS (Quick Balance)

Get your EPF balance via SMS — no internet needed.

Send to: 7738299899

Format: EPFOHO UAN LAN

Replace LAN with your preferred language code:

Example: EPFOHO 100123456789 ENG → sends to 7738299899

Requirement: Send from the mobile number registered with your UAN. The reply SMS shows your latest EPF balance.

Method 4 — Missed Call (Fastest, No Data Needed)

Give a missed call to: 9966044425 from your UAN-registered mobile number.

• The call disconnects automatically
• You receive an SMS with your EPF balance within a few minutes
• Works on any mobile network — no internet, no data required
• Available 24 hours

This is the fastest method when you just need a quick balance check.

Method 5 — EPFO Member Portal (with Claim & KYC Status)

URL: unifiedportal-mem.epfindia.gov.in

Steps:

1. Log in with UAN and password
2. Go to "View" → "Passbook" — redirects to the passbook portal (Method 1)
3. Also accessible here:
   • KYC details and status
   • Service history (all past employers linked to your UAN)
   • Claim status
   • Profile and contact details update

Use this portal primarily for KYC updates and claim tracking, not just balance checks.

EPF Interest Rate

Interest is declared by the Central Board of Trustees (CBT) annually and credited to member accounts after Ministry of Finance concurrence — typically in the third or fourth quarter of the financial year.

Interest earned on EPF is tax-free for contributions up to ₹2.5 lakh per year (₹5 lakh for government employees). Contributions above this threshold attract tax on the interest earned.

Understanding Your EPF Passbook — What Each Entry Means

EPS (Employee Pension Scheme): Your employer also contributes 8.33% of your basic salary to the EPS component — this appears separately or is shown in the passbook. EPS balance is not withdrawable as a lump sum (except after 10 years of service for pension eligibility) and shows ₹0 interest in many passbook views.

Common Problems and Fixes

"Invalid credentials" on passbook portal

• Ensure your UAN is activated at the member portal first
• Reset password via OTP if forgotten

SMS / missed call not giving balance

• Confirm your mobile number is registered with EPFO (check in the member portal under "Profile")
• If your number is not registered, ask your employer to update KYC

Passbook shows old data / no recent entries

• Employer may be delaying deposit of EPF contributions — this is a compliance violation
• Wait for month-end; EPFO passbooks update after employer files monthly ECR (Electronic Challan cum Return)
• Raise a grievance if contributions are consistently delayed

Multiple Member IDs in passbook

• Normal — each employer you've worked for creates a separate Member ID under the same UAN
• If UAN was not transferred from a previous employer, old contributions may appear under a different PF account number — request a transfer via the member portal

Exempted Establishments — Different Rules

If your employer runs an Exempted Trust (large companies like TCS, Infosys, and many PSUs manage their own PF trusts), your balance is maintained by the company's trust — not directly by EPFO.

For exempted trust members:

• The EPFO passbook portal may not show your balance
• SMS and missed call services do not apply
• Check with your HR/Finance department for your trust account balance
• The same interest rates apply — EPFO sets the minimum rate that trusts must credit

Withdrawing Your EPF Balance

EPF can be withdrawn:

• On retirement (age 58) — full balance + interest, tax-free
• If unemployed for 2+ months — full withdrawal allowed
• Partial withdrawal — for specific purposes: home loan, medical emergency, marriage, higher education (conditions apply)
• On leaving a job — you can transfer (recommended) or withdraw, but premature withdrawal before 5 years of continuous service is taxable

To withdraw or transfer: Log in to the member portal → "Online Services" → "Claim (Form 31/19/10C/10D)"

Helpline

Frequently Asked Questions

How do I find my UAN?

Your UAN is on your payslip. You can also ask HR — employers are obligated to share it. Alternatively, search by PF account number at unifiedportal-mem.epfindia.gov.in under "Know Your UAN."

What is the difference between EPF balance and PF balance?

They refer to the same thing. PF (Provident Fund) is the common term; EPF (Employee Provident Fund) is the formal name under the EPF & MP Act, 1952.

Can I check EPF balance without internet?

Yes — use the missed call method (9966044425) from your registered mobile. No internet required.

Is UAN different from PF account number?

Yes. UAN is universal across all employers throughout your career. The PF account number changes with each employer — but all PF accounts link to one UAN. Always share UAN (not PF account number) when requesting a transfer.

When is EPF interest credited?

Interest is declared by the CBT (usually February–March) and credited to accounts after Ministry of Finance concurrence — typically reflected in passbooks by August–September of the same year for the previous financial year.

My employer deducted PF but it's not showing in my passbook — what do I do?

Check if the contribution month shows in the passbook. If absent after 45 days of salary, the employer may not have filed the ECR. Raise a grievance at epfigms.gov.in or call 14470.