When you are employed in an organisation - be it any - the employer would fix your salary after a discussion and your acknowledgment. You may have noticed that a small part of your salary is deducted each month. Have you ever wondered where that money goes mysteriously? This money is contributed toward Employee Provident Fund (EPF) which is maintained by the Employees’ Provident Fund Organisation (EPFO). If you have worked for so long, you must be curious as to how to check your EPF balance that may have accumulated until now. Want to check the current status of your Employee Provident Fund? You check it now online to get the details. Read on to know more!
Procedure to Check Your EPF Balance Online
Checking your EPF online is easier and simpler. However, before checking your account online, you must have seeded your Aadhaar number with EPF through your employer or by you. After having linked that Aadhaar number, you need to activate the EPF account which can be done online.
To activate the account,
You need to visit the EPF Member portal
Click on ‘Activate UAN’
You will now be directed to another page where you will have to fill in your details such as mobile number, UAN, PAN, Aadhaar, date of birth, etc.
You will get an OTP on your registered mobile number
Verify the OTP and enter the captcha appears on the page
Upon mobile number verification, it takes up to 6 hours to activate your UAN. Once the account is activated, you need to follow the step by step procedure given below to check your EPF balance online.
Step 1: Visit the official website of Employees’ Provident Fund Organisation and hover your cursor on ‘Our Services’ and click on ‘For Employees’.
Step 2: Click on ‘Member Passbook’ as mentioned in the image below.
Step 3: It will now open up a new page as given below wherein you need to enter the UAN and password which is already sent to you upon activation.
Step 4: You need to enter the UAN, password and the answer to the simple mathematical calculation. After logging in, your need to choose your account and the details of your PF account will be listed.
Your PF amount is the combination of both both employee’s share and employer’s share. You can find each balance and total balance in detail. Moreover, the contribution of each month will be listed in a table. You can also download the passbook in pdf format and view it at your convenient time.
If you have made a request for PF withdrawal, you can also track your claim status on this same page.
Missed Call Facility
Apart from checking your EPF balance online, you can also get the details by giving out a missed call. However, to avail this facility, you must already have activated your UAN. This facility is much simpler than online process as it gets you the details in a few seconds. You don't need to access the internet or visit the official website with the credentials. Just give a call at 011-22901406. The call gets disconnected automatically after 2 rings. You will now get the EPF balance information on your mobile. The information includes your latest contribution and total balance.
Sending an SMS is another method wherein you can avail the PF balance. This SMS facility is now available in 10 languages that includes English, Hindi, Tamil, Bengali, Telugu, Malayalam, Punjabi, Gujarathi, Marathi and Kannada. You need to follow the format below to get the PF balance.
“EPFOHO UAN” to 7738299899
The above format will bring the details in English which is the default language. If you like to get the details in other languages, you need to follow the format below. You need to mention the first three letters of your preferred language.
“EPFOHO UAN HIN” to 7738299899
When can you withdraw the EPF amount?
As per the EPF act, one can withdraw the EPF amount after attaining 58 years of age upon retirement. You will be getting the PF amount and Employee Pension Scheme (EPS) amount as well. You can withdraw the full EPF amount before attaining 58 years in case you do not have any employment continuously for 60 days.
Partial premature withdrawals are allowed on EPF amount after completing 5 to 10 years of service in case there is a financial emergency such as medical, unemployment or marriage.
The PF amount can be withdrawn by filling up the Composite Claim Form and submit it to EPFO office or to your employer. You will also need to attach your Aadhaar number, PAN and Form 15G/15H if required. After 58 years of age, if you want to claim the full pension, you will have to attach Form 10D along with the claim form.
Employee Provident Fund is one of the basic saving schemes that is made compulsory so that the employee will benefit from this during retirement or in case of any financial emergencies. Do not make withdrawals when you no longer need amount. Enjoy the lump sum benefit that can support your retirement plans.