Easy Ways to Complete EPF Balance Check Using UAN Online
Keeping track of your retirement savings can help you understand how consistently your employer is depositing your provident fund contribution. With a Universal Account Number (UAN), employees can conveniently perform an epf balance check and review their available PF balance, contribution history and passbook details online. The digital facilities provided by the Employees' Provident Fund Organisation (EPFO) have made it easier for members to monitor their accounts without depending entirely on their employer or visiting a PF office.
What Is EPF Balance and Why Should You Check It?
The Employees' Provident Fund (EPF) is a long-term savings scheme where eligible employees and employers make contributions according to applicable rules. Over time, these contributions can form an important part of an employee's retirement corpus.
Regularly checking your EPF balance can help you:
Verify whether contributions are being deposited regularly.
Track your employee and employer contributions.
Identify missing or delayed contributions.
Review the interest credited to your PF account.
Keep track of your accumulated retirement savings.
Check whether your employment records are properly linked with your UAN.
A periodic review can also help you notice discrepancies early and take appropriate action.
What Is UAN and How Does It Help With EPF Balance Checking?
UAN stands for Universal Account Number. It provides a common identification number for an EPFO member across different employment periods. When an employee changes jobs, the new employer can link the existing UAN with the new PF member ID, helping maintain continuity of the member's EPF records.
The UAN-based system also gives members access to several online services, including passbook-related facilities and other account services. EPFO's current member portal provides online access to member services, while UAN activation and certain UAN-related services are also available through the UMANG platform.
How to Check EPF Balance Online Using UAN
One of the most convenient ways to check your PF balance is by accessing your EPF passbook.
Step 1: Keep Your UAN and Login Details Ready
Before beginning the process, keep your active UAN, password and registered mobile number available. Make sure you are using the correct UAN associated with your EPF account.
Step 2: Access the EPF Member Passbook Facility
Open the official EPFO Member Passbook facility and enter your UAN, password and the required captcha details.
Step 3: Sign In to Your Account
After entering the requested credentials, sign in to access your member account. The passbook facility allows members to view their PF account information and contribution records.
Step 4: Select the Relevant PF Member ID
If you have worked for more than one organisation, multiple member IDs may be associated with your UAN. Select the relevant member ID to review the corresponding contribution details.
Step 5: Review Your EPF Passbook
The passbook can show contribution-related information, including deposits made during different periods. Reviewing these entries can help you understand how your PF savings have accumulated.
Other Easy Ways to Check Your EPF Balance
Using the online passbook is not the only method available. EPFO also provides facilities that allow eligible members to obtain balance information through their registered mobile number.
1. Check EPF Balance Through Missed Call
EPFO provides a missed-call facility for members whose UAN is activated and whose registered mobile number meets the required conditions. Members can give a missed call from their registered mobile number. EPFO states that the facility can provide the latest contribution and PF balance information when the applicable KYC requirements are fulfilled.
This method can be useful when you do not want to log in to the portal.
2. Check EPF Balance Through SMS
UAN-activated members can also use the SMS facility from their registered mobile number. EPFO's current information states that members can send “EPFOHO UAN” to 7738299899 to receive the latest PF contribution and balance information.
The SMS service is also available in multiple Indian languages. For example, a member can add the relevant language code after UAN when requesting information in a supported regional language.
What Information Can You Verify Through EPF Balance Checking?
An EPF balance check is more useful when you review the details instead of looking only at the final amount. Depending on the available records, you may be able to examine:
Employee contributions
Employer contributions
Contribution months
Interest-related entries
Different PF member IDs
Available PF balance
Historical contribution records
Checking these details regularly can give you a clearer picture of whether your PF account is being maintained correctly.
What If Your EPF Balance Is Not Updated?
Sometimes, members may notice that a recent contribution is not immediately visible. This does not necessarily mean that the amount has been permanently missed. Contribution records can take time to reflect depending on processing and account updates.
If an entry remains unavailable for an unusually long period, consider checking:
Whether the correct UAN is being used.
Whether your employer has deposited the contribution.
Whether your current employment is linked with the correct UAN.
Whether your personal and KYC information is accurate.
Whether there is any discrepancy in your PF records.
If the issue continues, you can use the appropriate EPFO support or grievance mechanism rather than repeatedly submitting the same request.
Common Problems During EPF Balance Check
Although online balance checking is generally straightforward, members can sometimes encounter login or account-related difficulties.
Forgotten Password
If you cannot remember your UAN password, use the available password recovery facility. EPFO's member information states that the password can be reset through the registered mobile number, subject to the required verification process.
Incorrect Mobile Number
A mobile number that is not properly linked with the UAN can prevent members from using certain OTP-based or mobile services. Keeping your registered mobile number updated can make account management easier.
Multiple Member IDs
Employees who have changed jobs may see more than one member ID associated with their UAN. Review the available records carefully to ensure that your employment history is properly reflected.
Portal-Related Issues
Online services can occasionally experience technical difficulties or maintenance-related interruptions. EPFO has also advised members to avoid repeated attempts during periods of service stabilization or peak activity.
Important Precautions While Checking EPF Balance Online
Your UAN and PF account contain sensitive financial and personal information. Therefore, security should be treated as an essential part of online EPF management.
Keep these precautions in mind:
Never share your UAN password or OTP with another person.
Do not provide Aadhaar, PAN or bank details to unknown callers.
Avoid making payments to anyone claiming to provide EPFO services.
Use official EPFO facilities for account-related activities.
Check the details carefully before submitting any request.
Keep your registered mobile number active.
Avoid accessing your PF account through suspicious links received through messages or emails.
EPFO specifically warns members not to share personal information such as Aadhaar, PAN, bank details or OTPs and states that its officials do not ask members to deposit money through calls.
Benefits of Regularly Checking Your EPF Balance
A regular EPF balance review can be useful for both short-term account monitoring and long-term financial planning. It allows employees to identify contribution-related issues earlier and maintain better awareness of their retirement savings.
It can also help when changing jobs, planning eligible PF-related withdrawals or transfers, reviewing employment records, and preparing for long-term financial goals.
Frequently Asked Questions (FAQs)
Q1. How can I check my EPF balance using UAN? You can check your EPF balance online by using the EPFO Member Passbook facility with your UAN and password. You can also use the available missed-call or SMS facilities if you meet the applicable requirements.
Q2. What number can I use for an EPF balance missed call? EPFO currently provides the missed-call facility at 9966044425. The call should be made from the mobile number registered with your UAN, subject to the applicable eligibility and KYC conditions.
Q3. How can I check my PF balance through SMS? UAN-activated members can send “EPFOHO UAN” from their registered mobile number to 7738299899 to receive the latest PF contribution and balance information.
Q4. Can I check my EPF balance without logging in? Yes. Eligible members can use EPFO's missed-call or SMS facilities to obtain balance-related information without logging into the passbook.
Q5. Why is my latest PF contribution not showing? A recent contribution may take some time to appear in the records. If it remains missing, verify your employment and UAN details and check with your employer or EPFO through the appropriate support channel.
Conclusion
An online EPF balance check using UAN is a simple way to stay informed about your provident fund savings and contribution history. Whether you use the EPFO passbook, SMS facility or eligible missed-call service, regular monitoring can help you identify discrepancies and maintain better control over your retirement-related savings.
Along with managing your financial responsibilities, choosing reliable insurance and policy-management support can also contribute to better overall financial planning. Square Insurance can help customers compare and manage insurance-related requirements through its digital services.
