EPF Balance Check - How to Check PF Balance With or Without UAN Number

How To Check PF Balance Without Using The UAN?

• Through The SMS Option
• Through A Missed Call

Through The SMS Option

You can do a PF balance check by sending an SMS. You have to merge the UAN with your KYC details. Here is how you can check your EPF balance through the SMS option.

• Send an SMS to the mobile phone number, 7738299899
• The format for the message will be ‘EPFOHO UAN ENG‘.
• Choose the preferred language of communication in the SMS.
• Use the first three characters of the language you prefer to do so.
• If you wish to get the updates in English, use the first three characters of the word English i.e. EPFOHO UAN ENG. If you want to receive the message updates in Hindi, then type EPFOHO UAN HIN.
• This provision is available in the following languages:
• English (ENG)
• Hindi (HIN)
• Gujarati (GUJ)
• Punjabi (PUN)
• Marathi (MAR)
• Telugu (TEL)
• Kannada (KAN)
• Tamil (TAM)
• Malayalam (MAL)
• Bengali (BEN)

• To check the balance through SMS, the UAN should be active and linked with your bank account, Aadhaar number, and PAN.
• The eKYC must be complete with UAN to check your balance via SMS.

Through A Missed Call

The PF balance can be checked by giving a missed call to the authorized phone number from your registered mobile number. This can be done only upon merging your UAN with your KYC details. If you cannot do this by yourself, take your employer’s help to do this. The PF balance check service through a missed call is free and does not have any charges.

Ensure that the following requirements are fulfilled before making a missed call to check your EPF balance.

• The UAN should be activated
• You can check your EPF balance only by doing a missed call from your registered number. So, ensure that the UAN is linked to your registered mobile number.
• The UAN should be integrated with essential documents like the PAN, Aadhaar, and bank account.

After the UAN is linked with the KYC details, follow the steps below to do a PF balance check

Step 1: Give a missed call to 9966044425 from your registered mobile number

Step 2: You will get an SMS with your PF details after giving a missed call,

How to EPF Balance Check Without Registered Mobile Number?

You may be wondering as to how to check the PF balance if there is a change in the registered mobile number. PF Balance Check can be done without a registered mobile number also. All you need is the UAN and the password for logging in and checking the PF balance.

Step 1: Visit the EPF passbook portal website and login with your UAN and password

Step 2: Now, choose the PF account for which you want to verify your PF balance and click on view PF passbook old.

Step 3: Now, you can view the total employee balance and employer balance in your PF account.

Step 4: Then, you can also check the pension balance in the last column of the PF passbook.

Step 5: If you want to check the balance for annual PF contributions, then click on the view passbook (new: yearly) option.

Things To Consider For EPF Balance Check Via The EPFO Portal

• You can check your PF balance on the EPFO portal only if your UAN number is activated and you have registered on the UAN member portal.
• You can view the passbook only after 6 hours of registering on the UAN member portal.
• If you make any alterations on the UAN portal, they will get reflected on the EPFO portal after 6 hours.
• You can see the latest entries reconciled by the EPFO field offices in the passbook
• Members of exempted establishments, settled members, and members of inoperative accounts will not be able to view their passbook on the EPFO website.
• Your account will become inactive if you have not contributed to the EPFO account for the past 3 years.

EPF Balance Transfer

Benefits of an EPF Balance Transfer

• The amount in the account that is closed before 5 years becomes taxable. But, by doing fund transfer, you can enjoy the money completely.
• Partial withdrawal can be done on your PF funds for reasons such as medical treatment, marriage of yourself or children, house construction, etc.
• The current rate of interest earned from EPF becomes a good sum due to the effect of compounding.

How To Do EPF Balance Transfer?

Step 1: Go to the EPFO website and create a UAN based login ID

Step 2: You will be redirected to a page where you have to enter your UAN, mobile number, current employer details like state, establishment number, and account number.

Step 3: Then, verify if the account qualifies to be transferred on the EPFO site. You have to fill in the state where the employer is located and search by name or establishment number from a dropdown menu.

Step 4: Click on ‘CHECK ELIGIBILITY’ after you have filled in the details.

Step 5: If your account qualifies, then you can register on the EPFO website.

Step 6: Furnish a valid photo ID such as Aadhaar, driving license, or PAN card. The website will also send a PIN to your mobile which you have to authenticate.

Step 7: After you submit the PIN successfully, you will get a confirmation message. Continue further.

Step 8: You will be forwarded to the EPFO Member Claims Portal.

Step 9: To log in, you have to provide the document ID and phone number. After logging in, you can see all options.

Step 10: Access the top tabs and click on Request for transfer of account.

Step 11: You can now access and fill in the PF transfer form, which is divided into three parts broadly.

• Enter the personal information like your name, email, IFSC code of the bank, and your salary account number.
• Fill in the details of your old PF account in the second part.
• Fill in the details of the current PF account in part three.

Step 12: The PF claim can be authenticated by your previous or current employer. It takes some time from their end to do it.

Step 13: After the form is filled, click preview to see if the details are correct. Else, you can change them.

Step 14: After making sure that all the details are correct, enter the captcha and get the PIN. Further, click “I Agree”.

Step 15: After entering the PIN, the PF claim transfer is initiated.

How to Withdraw EPF Balance

Step 1: Login to the UAN Member Portal using your UAN and Password.

Step 2: Click on the ‘Online Services’ tab from the top menu bar, and choose ‘Claim (Form 31, 19,10C & 10D)’ from the drop-down menu to select the relevant EPF advance withdrawal form.

Step 3: Member Details will be shown on the screen. Input the last 4 digits of your bank account and click on ‘Verify‘

Step 4:Click on ‘Yes’ to sign the certificate of undertaking and continue

Step 5: Next, select the 'Proceed for Online Claim' option.

Step 6: Choose ‘PF Advance (Form 31)’ to withdraw your funds online

Step 7:A fresh section of the form will open up. Here, you have to choose the ‘Purpose for which advance is required’, the amount needed, and the employee’s address. All choices for which the employee is not eligible for withdrawal will be in red.

Step 8: Tick on the certification box and submit your application

Step 9: You may have to submit scanned documents based on the purpose for which you have filled the EPF claim form.

Step 10: Your withdrawal request requires approval from your employer. Post this, the money will be withdrawn from your EPF account and deposited in the bank account mentioned at the time of filling the withdrawal form.

EPF Balance of Exempted Establishments/Private Trusts

• EPF contributions of an exempted establishment or private trust goes to the company managed trusts rather than the Employees’ Provident Fund Organization. Only the company-managed trust can give out the balance details.
• For exempted establishments, the EPFO does not give its members access to a passbook for entering the transactions related to EPF and maintaining a record of them.
• There is no common method for checking PF balance when it comes to exempted establishments.
• As per the Employee Provident Fund and Miscellaneous Provisions Act, 1952, some employers are not liable to contribute their EPF corpus to the EPFO. This is because they can manage their own PF schemes with in-house EPF trusts. Such establishments include Godrej, TCS, Infosys, HDFC, Nestle, and Wipro are not liable to do so. They have in-house EPF trusts and are excluded However, these trusts are expected to provide higher returns than the fund managed by the EPFO. The rules applicable for EPF contributions to EPFO apply to these trusts as well.

EPF balance can be checked by these exempted companies in the following 4 ways:

• Check the PF slip or pay slip: Employees can check the amount deducted for PF in the payslips that are sent to their emails. They can know the monthly contributions made to PF. Also, many companies provide a PF slip from which employees can view the monthly contributions to PF as well as the EPF balance.
• Check the company's employee portal: Employees can log in to the company portal and check the EPF balance.
• Check with the company's HR department: Employees can get to know of PF details by contacting the HR department.
• Compute the EPF balance manually: Employees can track their monthly EPF balance from their salary slips and apply the rate of interest given by the EPFO to compute the EPF. A fixed sum of money (up to Rs.1,250 per month) goes into the EPS account.

EPF Balance For Inoperative Accounts

• Inoperative EPF accounts are those in which no EPF contribution has been made for the past 3 years. It could be due to retirement, death, permanent migration, etc.
• Earlier, on being declared inoperative, no interest was paid to dormant accounts.
• At present, all inoperative accounts will accrue interest at the rate of 8.5% per annum. The contribution will be made till you reach the age of 58 years or until the withdrawal date whichever is earlier.

Is It Mandatory To Have An E-Nomination For The PF Account?

It is a good idea to have nominees for your EPF account, since it helps you secure your dear and loved ones. They can claim that amount after your death. So, it is ideal to have an e-nomination for your EPF account even though the Employees’ Provident Fund Organisation (EPFO) has not made nomination compulsory. It is not needed to file advance claims. Only UAN holders who have their Aadhaar verified can file an e-nomination.

Step-by Step Guide On How To Add a Nominee to Your EPF Account?

• Go to the UAN EPFO portal and log in.
• Select ‘Manage’ and ‘e-Nomination’ from the menu.
• Choose “Yes” in the family declaration.
• Fill out the ‘Add Family Details’ section with the required details - Your name, address, aadhar number, gender, date of birth, link to you and the user, and relationship to them. Also, give the bank’s IFSC code and nominee account number.
• Choose ‘Make Row’ if you want to make a single proposal. Otherwise, select ‘Save Family Data’.
• Submit the message from the data that is saved correctly when ‘Save EPF Nomination’ is selected.
• Finally, click on 'E-sign' to generate OTP and submit this to the mobile number linked with the Aadhaar.
• The e-nomination process is now complete.

FAQs on PF Balance Check: