EPF Balance - How To Check PF Balance Online 2024 (2024)

Checking the Employees Provident Fund (EPF) balance has become very simple for members of the Employees’ Provident Fund Organisation (EPFO).

The four different methods to check the EPF balance are mentioned below:

EPFO Portal

Employees can use the EPFO portal to access theirEPF passbook. However, the employees must have a UAN and it must be activated. Given below is the process that employees must follow to check the EPF balance using the EPFO portal:

1.First, the employees must visit the EPFO portal (https://www.epfindia.gov.in/site_en/index.php).

2. On the next page, the member must click on ‘For Employees’ under the 'Services’ tab.

3.Next, the member must click on ‘Member Passbook’ which can be found under the ‘Services’ column.

4. On the next page, the member must enter his/her UAN, password, and captcha details and click on ‘Sign In’.

5. On the next page, the member will be able to check his/her EPF balance under the respective Member ID.

UMANG App

By downloading the Unified Mobile Application for New-age Governance (UMANG) app, employees will be able tocheck the EPF balance on a mobile phone.

Apart from checking EPF balance, claims can be raised as well as tracked on the app.

A one-time registration must be done using the member’s mobile number that has been registered with the UAN to have access to the app.

Let us take a look at how you can view your historical EPF transactions through the UMANG app:

1. Install the app and open it on your mobile phone. Click on the EPFO option.

1. Select 'Employee Centric Services'

1. On the next screen, you will find the 'View Passbook' option.
2. After clicking on it, you will have to provide your UAN number and enter the One-Time Password (OTP) sent to your registered mobile number. Click on ‘Login’ and you will be able to view your EPF transactions, including withdrawals and deposits from your current and previous employment.

Missed Call

EPF members can also check their balance by giving a missed call to011-22901406from their registered mobile number. However, the employee’s Permanent Account Number (PAN), Aadhaar, and bank account number must be linked with theirUANin order to avail this service.

In case the above details are not linked with the UAN, the employee can request the employer to link them.

SMS Service

In case employees haveactivated their UAN, they can send an SMS to7738299899to check their PF balance and the last contribution. The format that the SMS should be sent in isEPFOHO UAN ENG. The preferred language that the employee would like to receive the details in is the last three letters.

Currently, the facility is available in Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Gujarati, Punjabi, Hindi, and English. In case the employee wants the PF details in Kannada, the format the SMS must be sent in isEPFOHO UAN KAN. However, the PAN, Aadhaar, and bank details of the employee must be linked to the UAN for the employees to avail these services.

How to submit an e-Nomination in EPFO

The e-Nomination process for PF accounts is not mandatory according to the Employees' Provident Fund Organisation (EPFO). However, it is highly recommended for individuals to undertake the e-nomination process for their PF accounts. Doing so ensures that in the unfortunate event of the account holder's demise, the nominated individuals can seamlessly claim the EPF account, providing financial security to the account holder's loved ones.

Here is a step-by-step guide on how to submit an e-Nomination in EPFO:

1. Step 1: Visit the UAN Member e-Sewa portal. Access the official UAN Member e-Sewa portal, which serves as the platform for managing various EPF-related activities.
2. Step 2: Enter your UAN number, password, captcha code, and click on the 'Sign In' button to log into your account.
3. Step 3: Once logged in, go to the 'Manage' tab and select the 'E-nomination' option.
4. Step 4: You can cofirm your family declaration by clicking on 'Yes.'
5. Step 5: Add the details of your family members in the e-nomination form by selecting 'Add Family Details.' Multiple nominees can be added if needed.
6. Step 6: Declare the total amount of share for each nominee by clicking on 'Nomination Details.'
7. Step 7: After entering the required details, click on 'Save EPF Nomination' to save the information.
8. Step 8: Click on 'E-sign' to generate an OTP. Submit the OTP received on the mobile number linked with Aadhaar to complete the e-nomination process.

How to check your PF balance without a registered mobile number

You can easily check your PF balance without relying on your registered mobile number by following the steps outlined below:

1. Step 1: Visit the official PF Passbook Portal Website by following this link: PF Passbook Portal
2. Step 2: Log in with your UAN (Universal Account Number) and Password. It's important to note that your registered mobile number is not required for this login process.
3. Step 3: After successfully logging in, select the PF account you wish to examine. Proceed by clicking on the ‘View PF Passbook Old’ option.
4. Step 4: You can now view comprehensive details of your PF balance, including the employee and employer balances. Additionally, the pension balance can be checked in the last column of the PF passbook.
5. Step 5: If you want to review your yearly PF contributions, you have the option to click on ‘View Passbook (New: Yearly).’ This feature provides a detailed summary of your annual PF transactions.

How to Check EPF Balance of Exempted Establishments/Private Trusts

Since the EPF contribution, in the case of an exempted establishment or private trust, goes to the company-managed trusts rather than the Employees' Provident Fund Organisation, only the company-managed trust can reveal an employee's PF account balance.

There is no common method for checking PF balance when it comes to EPF accounts maintained with exempted establishments. The EPFO does not provide the passbook facility for the members of exempted establishments.

According to the Employee Provident Fund and Miscellaneous Provisions Act, 1952, some employers can manage their own PF schemes for their employees. Exempted establishments are large companies like Godrej, HDFC, Nestle, Wipro, TCS, Infosys, etc. that have in-house EPF trusts and are exempted from contributing their EPF corpus to the EPFO.

These exempted establishments can manage the EPF corpus with their own trusts. However, these trusts are expected to provide higher returns than the EPFO-managed fund. The same rules for EPF contribution to EPFO apply to these trusts as well.

Employees of such exempted establishments can check their EPF balance in the following 4 ways:

• Check your PF slip or pay slip:Most big establishments, provide salary slips to their employees via internal emails. Employees can check their pay slips for EPF account balance. Some companies also give EPF slip in addition to the salary slip. Employees can find their monthly contributions as well as their EPF account balance in that slip.
• Check the company's employee portal:Most large companies maintain a company website on which employees can log in and check their EPF account balance in the EPF section. Wipro and TCS are an example of such companies that provide the online facility to check one's EPF account balance and get aPF statement.
• Check with the company's HR department:Employees contact the company's HR department as it deals with the employees' PF and is better able to provide the related details.
• Track your contributions:Employees can keep track of their monthly contributions by checking their salary slips and thus calculate the annual EPF balance. Use the interest rate set by the EPFO forEPF interest calculation. Keep in mind, that a fixed sum of money (up to Rs.1,250 per month) goes to theEPS account.

Interest on EPF Balance for Inoperative Accounts

EPF accounts are not credited with interest from the date it becomes inoperative. EPF accounts become inoperative for the following reasons: retirement of employee at the age of 55, migration of employee to a foreign country, death of employee prior to withdrawal of accumulated balance (within 36 months of it becoming payable). In cases of employment ceasing before the employee reaches 55 years of age, the account will remain active till the employee reaches the age of 58.