Steps to Check Your EPF Balance Online and Offline Without UAN

EPF Balance Check – How to Check PF Balance With or Without UAN

Checking your EPF balance has become much easier thanks to several online and offline options available today. Whether you’re using SMS, the UMANG app, or the EPFO missed call service, checking your PF balance has never been more accessible. If you’re planning to withdraw your PF amount or simply want to monitor the interest accumulated in your account, knowing how to check your EPF balance is essential.

What is EPF Balance and Why is it Important

Your EPF balance refers to the amount of money in your EPF account at any given moment. This balance accumulates through monthly contributions made by both you and your employer, intended for your retirement savings.

• It acts as a financial safety net for retirement.
• It can also be used for emergencies, unemployment periods, or medical needs.
• Regular monitoring of your balance ensures that you’re building enough savings for your future.

How to Check EPF Balance

You can check your EPF balance using several methods. These options are available with or without using your UAN (Universal Account Number).

A. Check EPF Balance via SMS

To check your EPF balance via SMS, send a text from your registered mobile number to EPFO. The format is:

• EPFOHO UAN to 7738299899

You will receive a reply in English by default. If you want the message in another language, you can add the respective language code to the message.

• For example: EPFOHO UAN HIN for Hindi, EPFOHO UAN MAR for Marathi.

This service requires that your UAN be activated and linked with your Aadhaar, PAN, and bank account.

B. How to Check PF Balance by Giving a Missed Call

You can also check your PF balance without needing your UAN. Simply give a missed call to 9966044425 from the registered mobile number associated with your UAN.

• You will receive details of your last contribution and PF balance.

Requirements for this service:

• Your UAN must be activated.
• Your mobile number must be registered with the UAN.

C. EPF Balance Enquiry through UMANG App

The UMANG app provides a convenient way to check your EPF balance. Here’s how you can do it:

1. Download the UMANG app from the Play Store or App Store.
2. Register and verify your mobile number.
3. Go to ‘All Services’ and select ‘EPFO’.
4. Click on ‘View Passbook’ to check your balance.
5. Enter your UAN to access your passbook and EPF balance.

D. Check EPF Balance Using EPFO Portal

To check your EPF balance through the EPFO Portal:

1. Visit the official EPFO website (www.epfindia.gov.in).
2. Under ‘Services’, click on ‘For Employees’ and select ‘Member Passbook’.
3. Log in with your UAN, password, and OTP.
4. Once logged in, click on ‘Passbook’ and select your member ID to view your balance.

EPF Balance Check via Website – Points to Remember

• Only members with an activated UAN can check their balance.
• It takes 6 hours for any changes made to reflect in the passbook.
• Members from exempted establishments or with inoperative accounts cannot access their passbooks on the portal.

How to Transfer Your EPF Balance into New Account

When switching jobs, you can either withdraw your EPF balance or transfer it to your new employer’s EPF account. Transferring is recommended to avoid tax deductions.

• Starting from 1st April 2024, EPFO will automatically transfer your EPF balance to your new account without any forms or requests.

How to Withdraw EPF Balance

You can withdraw your EPF balance both online and offline.

• For offline withdrawals, fill out the Composite Claim Form and submit it to your nearest EPFO office.
• For online withdrawals, log in to the UAN Member Portal and submit a claim.

Remember, TDS will be deducted if you withdraw before 5 years of service, especially if your PAN is not linked to the EPF account.

Interest on EPF Balance

The EPF interest rate for the financial year 2023-24 has been set at 8.25% by the EPFO Central Board of Trustees. This interest is credited annually and adds to the total balance in your EPF account.

How to Check EPF Balance of Exempted Establishments/Private Trusts

If you’re employed in an exempted establishment or under a private trust, you cannot check your EPF balance online. However, you can contact your HR department or check your salary slips for balance details.

What is an Inoperative EPF Account

An inoperative EPF account refers to an account where no contributions have been made for 3 years. Once declared inoperative, no interest is credited to the account.

• However, if the member is below 58 years, interest continues to accrue on the account.

What is the Tax Structure on EPF Balance

• Employer contributions to EPF are tax-free.
• Employee contributions are eligible for tax deductions under Section 80C.
• Interest earned on the EPF balance and withdrawals made after 5 years are also tax-free.

Common EPF Balance Check Issues & Solutions

Forgot UAN? Here’s How to Recover It

If you’ve forgotten your UAN, you can recover it using the ‘Know your UAN’ option on the EPFO portal. Enter your details like name, DOB, and Aadhaar number to retrieve your UAN.

EPF Balance Not Showing? Troubleshooting Guide

If your EPF balance isn’t visible or shows a zero balance, it may be due to a delay in UAN-based contributions. Wait for 2-3 days for the balance to update. If the issue persists, contact your HR department or raise a query at the EPFO helpdesk.

This comprehensive guide ensures you can easily monitor your EPF balance and make informed decisions about your retirement savings. Whether you’re transferring, withdrawing, or simply checking your balance, these simple methods will help you stay updated on your financial standing.FAQs on EPF Balance Check

Here are some frequently asked questions (FAQs) related to checking your EPF balance.

1. Can I check EPF balance using Aadhaar number?

• No, you cannot check your EPF balance using your Aadhaar number.
• You must use your UAN to check your EPF balance.

2. How to check your balance through EPF number?

• You do not need the EPF number to check the balance.
• You can check your EPF balance by logging in with your UAN and password.

3. Is there a method to check EPF balance using PAN?

• No, PAN is not required to check your EPF balance.
• However, ensure your UAN is linked with Aadhaar, bank account, and PAN to use various EPF services.

4. I have not linked my mobile number with EPF. Can I do an EPF balance check on mobile number through SMS without mobile linking?

• No, you need to link your mobile number to your UAN for the EPF balance check via SMS.

5. I want to check the EPF balance of my previous account. How can I do it?

• Log in to the EPF portal.
• All your EPF accounts linked to your UAN will be displayed.
• Select the Member ID of the previous account to check the balance.

6. How can I transfer my EPF Balance to my bank account?

• You cannot transfer your EPF balance directly to your bank account if you are still employed.
• If unemployed for 2+ months, you can withdraw up to 75% of your EPF balance after one month.

7. Who is eligible to check EPF balance?

• Anyone with an active EPF account can check the EPF balance.
• If you are above 55 and your account is inactive, you can request balance details from the EPFO helpdesk.

8. Why is my EPF balance not updated?

• The EPF passbook updates within 24 hours of a contribution being made.
• Wait at least 24 hours before re-checking the balance.

9. What should I do in case my EPF balance is not updated?

• If your EPF balance is not updated after 2 days, contact your HR department or raise a query at the EPFO helpdesk.

10. When does the EPF balance get updated?

• Your EPF balance updates in the passbook 24 hours after the contribution is made.

11. Why is my EPF account showing zero balance?

• Delays in UAN-based contributions may cause a zero balance.
• Wait for 2-3 days before checking again.
• If the issue persists, contact your HR department or the EPFO helpdesk.

12. How to do EPF passbook balance check?

• Log in to the EPFO portal using your UAN and password to check your EPF balance in the passbook.

13. What is the maximum limit for EPF contributions?

• There is no maximum limit for EPF contributions.

14. Is EPF balance taxable?

• TDS may be deducted if you withdraw your EPF before 5 years of service.
• Tax exemptions apply only after completing 5 years of EPF membership.

15. How often should I check my EPF balance?

• It is advisable to check your EPF balance at least once a year to track your savings and ensure correct contributions.

16. Is there any fee for checking EPF balance online?

• No, there is no fee for checking your EPF balance online.

17. How can I transfer my EPF balance from one employer to another?

• You can transfer your EPF balance by using the ‘One Member – One EPF Account’ option on the EPFO member portal.

18. Can I withdraw my entire PF amount at once?

• Yes, you can withdraw the entire PF amount if you’ve been unemployed for 2 months.
• 75% of the EPF balance can be withdrawn after 1 month of unemployment.

19. How can I check my EPF balance without UAN?

• Missed call on 9966044425 to check your EPF balance without UAN (but UAN must be activated and mobile number linked with EPFO).

20. Can I check my EPF balance without linking Aadhaar?

• Yes, you can check the balance using the UMANG app or by logging into the EPFO portal even if Aadhaar is not linked.

21. What is the minimum balance required in EPF?

• There is no minimum balance required in your EPF account.
• Withdrawal is based on specific criteria related to your needs.

22. How often is EPF balance updated?

• EPF balance is typically updated 24 hours after the contribution is made.

23. Can I withdraw EPF balance before retirement?

• You can withdraw EPF balance before retirement in cases of unemployment or emergency situations (e.g., medical expenses, home loan, wedding expenses).

24. How do I check my EPF balance if my mobile number is changed?

• Re-register your new mobile number with your UAN to check the EPF balance.

25. What is the EPF passbook and how can I download it?

• The EPF passbook is a cumulative record of all transactions in your EPF account.
• You can download it via the EPFO portal or UMANG app.

26. How to transfer EPF balance from the old employer to a new one?

• EPFO will automatically transfer EPF balance to your new account when you change jobs starting April 1, 2024.

27. Latest News on EPF

EPF Withdrawals: EPFO Launches Multi-location Claim Settlement Facility: EPFO launched a multi-location claim settlement facility to speed up EPF claim processing using artificial intelligence (AI).

EPFO Subscribers May Soon Be Able to Make Withdrawals via ATMs: As of Dec 2024, EPFO is planning to allow EPF withdrawals through ATMs to improve access.

Parliamentary Panel Supporting Extension of ESI, EPF Benefits to Migrant Workers: During the COVID-19 pandemic, the panel supported extending EPF benefits to migrant workers in the unorganised sector.