EPF Balance Check With and Without UAN Number

Checking your PF balance is quick and easy through several methods. You can use the UMANG app, log in to the EPFO Member Portal, send an SMS, or simply give a missed call.
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Check EPF Balance Online with & without UAN
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3 mins
Aug 27, 2026

An EPF balance check helps employees monitor the savings accumulated in their Employees' Provident Fund account. The balance includes contributions made by both the employee and employer, along with the interest credited over time. Regularly reviewing your EPF balance helps ensure contributions are being deposited correctly and supports effective retirement planning.


EPF serves as the primary program governed by the Employees' Provident Funds and Miscellaneous Act, 1952, and its administration falls under the jurisdiction of the Employees' Provident Fund Organisation (EPFO).


Investing in the Employee's Provident Fund (EPF), often referred to as PF, is a smart move to secure your retirement and optimise your working years. This fund comprises contributions from both you and your employer. To effectively plan for your retirement, it's crucial to be aware of your PF account balance. Understanding this balance gives you insights into how well your savings align with your retirement goals and whether additional investments are necessary.


Being a well-informed investor means staying updated on your EPF account's balance, which can become a substantial corpus earmarked for important financial objectives. Moreover, given the various withdrawal options available, you can consider reinvesting your EPF amount in the future to further your financial plans.


As you plan, remember that FD can be a valuable asset alongside your EPF contributions. Use FD for specific goals like a down payment, education expenses, or to supplement retirement savings.


What is EPF Balance and Why is it Important?

EPF balance or EPFO passbook balance is the amount of money in your EPF account at any given point of time. It is the available portion of your salary that is deposited every month in your EPF account for the purpose of building your retirement savings. It is important because it acts as a corpus for your retirement. It may also be utilized to meet financial needs if you are unemployed for more than a month or may be withdrawn in case of unforeseen circumstances, medical emergencies, etc.

EPF balance componentWhy it is important
Monthly contributionsBuilds a retirement corpus through regular savings during your employment.
Employer's contributionsIncreases your overall retirement savings as per EPF provisions.
Interest creditedHelps your accumulated corpus grow over the long term.
Financial supportEligible members may withdraw funds for specified purposes, such as medical treatment, home purchase, education, or during periods of unemployment, subject to EPFO rules.
Retirement planningHelps estimate your future savings and supports better long-term financial planning.

Regularly reviewing your EPF balance enables you to stay informed about your retirement savings and identify any discrepancies in contributions at an early stage.

Pro tip

Bajaj Finance offers attractive Fixed Deposit interest rates of up to 7.40% p.a. for non-senior citizens, and up to 7.75% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.35% p.a.

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How to know your PF account number?

To track your EPF balance, the first step is to identify your UAN, which is linked to your PF account. You can find your UAN using these simple methods:

  • Check your salary slip
  • Contact your HR or employer
  • Log in to the UAN portal to view PF details
  • Visit the nearest EPFO office for assistance

Once you have your UAN, you can easily access and monitor your PF account online.


How to check PF balance online with UAN number?

To check your EPF balance with UAN number, you can use the Member Passbook facility provided by the Employees’ Provident Fund Organisation (EPFO). After registering on the Unified Member Portal, your passbook will be available after 6 hours.


Check EPF Balance via EPFO Member Passbook Portal

To verify your EPF balance, it is essential to have your Universal Account Number (UAN) activated by your employer. UAN serves as a unique identification number for employees enrolled in the EPF scheme, ensuring a seamless online operation of EPF services, including PF balance checks, withdrawals, and loan applications.


After activating your UAN, follow these steps:

  1. Visit the EPFO portal and select "For Employees" under the "Our Services" tab.
  2. Click on "Member Passbook" in the "Services" section.
  3. Log in with your activated UAN number and password.
  4. Choose the relevant "Member ID" and click on "View Passbook [Old: Full]."
  5. Your PF details will be presented on the screen.
  6. To retain a record, use the "Download Passbook" option to print the passbook.

PF balance check through EPFO portal

The government launched the Umang/EPFO app to make it convenient for you to check your PF balance. With this app, you can view your passbook, raise a claim, and track the claim. The app, available for download on Google Play Store or App Store, facilitates tasks such as filing and tracking claims. To access the app, members need to complete a one-time registration using their UAN-registered cellphone number.


Here's a step-by-step guide on using the UMANG app to check your EPF transactions:

  • Download and install the UMANG app on your mobile.
  • Open the app and register or log in using your mobile number.
  • After logging in, navigate to the EPFO section and select the “Employee Centric Services” option.
  • Click on “View Passbook” and enter your UAN and the OTP (One-Time Password) received on your registered mobile number.
  • After verifying your OTP, you can easily check your PF balance in your EPF passbook.

How to check PF balance offline without UAN?

Here are some ways to check PF balance without UAN:

  1. EPF balance check via SMS

    If you have registered your UAN with EPFO (Employee Provident Fund Organisation), you can check your PF balance quickly by sending an SMS. All you need to do is send a text message to 7738299899. The text message should include 'EPFOHO UAN ENG.' Here, UAN will be your personal UAN, and ENG is the first three letters of your language preference. Supported languages include English, Bengali, Gujarati, Hindi, Kannada, Malayalam, Punjabi, Tamil, and Telugu.


  2. EPF balance check by missed call 

    If you have registered and activated your mobile number on the UAN portal and completed KYC for your UAN, you can check your balance by giving a missed call. All you need to do is give a missed call to 9966044425 from the mobile number that you have registered with your UAN. The phone automatically disconnects after two rings, which means that you don't have to pay any charges. You will then receive details about your balance and the last contribution made to your PF account in the form of a text message.


  3. EPF balance check using website

    • Visit the official EPFO website
    • On the homepage, under the “Our Services” section, click on the “For Employees” option.
    • Click on “Member Passbook” in the drop-down menu.
    • Enter your PF account number, date of birth, mobile number, and captcha code.
    • After entering all the details, click on the “Get OTP” button.
    • An OTP will be sent to your registered mobile number.
    • Enter the received OTP and click on the “Login” button.

    • You can now check your EPF passbook and view your balance.


How to check PF balance by giving a missed call?

A missed call is one of the quickest offline methods to check your PF balance without logging in to the EPFO portal. The service is available free of cost and works from your registered mobile number. If your account is correctly linked, you will receive an SMS with your latest EPF balance and recent contribution details within a few moments.

Steps

Step 1: Ensure your Universal Account Number (UAN) is activated.


Step 2: Verify that your Aadhaar, PAN, and bank account are linked and approved under your UAN.


Step 3: Use the mobile number registered with your UAN to place the missed call.


Step 4: Give a missed call to 9966044425. The call disconnects automatically, and no call charges apply.


Step 5: Wait for the SMS from EPFO containing your latest PF balance and recent contribution details.


Step 6: If you do not receive the SMS, confirm that your UAN is active and your KYC details are correctly updated in the EPFO records.



This facility continues to be a convenient way in 2026 to check your PF balance without visiting the EPFO portal or using the UMANG app.


Key things to remember before checking EPF balance

Before you check your EPF balance online, it is important to ensure that certain basic requirements are in place. This helps avoid errors, delays, or access issues while viewing your account details.

  • Access to your EPF balance on the EPFO portal is contingent upon the activation and registration of your UAN.
  • The ability to view your passbook becomes accessible six hours post-registration on the EPFO Portal.
  • The passbook reflects the most recent entries reconciled by the EPFO Field Offices.
  • Members affiliated with exempted establishments and private trusts do not have the option to check their EPFO balance on the portal.

Is e-Nomination process for PF account mandatory?

While the Employees’ Provident Fund Organisation (EPFO) does not impose a mandatory requirement for fore-nomination of PF accounts, opting for e-nomination is strongly advised. This proactive step facilitates your nominees in inheriting the EPF account in the event of your demise, providing a means to safeguard your loved ones.


Also read: EPFO Claim Status


How to submit an e-Nomination in EPFO?

To submit an e-Nomination in EPFO, follow these steps:

  • Access the UAN Member e-Sewa portal.
  • Provide the UAN number, password, captcha code, and click on the 'Sign In' button.
  • Navigate to the 'Manage' tab and select the 'E-nomination' option.
  • Confirm the family declaration by selecting 'Yes.'
  • Input family member details in the e-nomination form using the 'Add Family Details' option, allowing the inclusion of multiple nominees.
  • Declare the total share amount by clicking on 'Nomination Details.'
  • Save the EPF nomination by clicking on 'Save EPF Nomination.'
  • Generate an OTP and submit it by clicking on 'E-sign' after receiving it on the mobile number linked with Aadhaar.

How to check PF balance without registered mobile number?

You don't need your registered mobile number to check you PF balance every time; UAN and password are sufficient for login.


Follow the simple process below:

  1. Visit the PF passbook portal website and log in with your UAN and password.
  2. Select the specific PF account you want to check and click on "View PF passbook old."
  3. View the total employee balance, employer balance, and pension balance in the last column of the PF passbook.

  4. For yearly PF contributions, click on the "View Passbook (New: Yearly)" option.


Also read: EPF interest rate


EPF balance check via website – Points to remember

Checking your EPF balance through the EPFO Member e-Sewa portal is one of the most reliable ways to track your retirement savings. Before accessing your passbook, ensure your Universal Account Number (UAN) is active and your account details are updated. Following these points can help you avoid common issues and access the latest available balance information in 2026.

PointWhy it matters
Activate your UANOnly members with an activated UAN can log in to the EPFO Member e-Sewa portal and access their passbook.
Allow time for updatesA newly activated UAN or profile changes may take a few hours before appearing in the EPF passbook.
Activate your UANUpdated Aadhaar, PAN, and bank account details help ensure seamless access to EPFO services.
Check reconciled entriesThe passbook displays contributions after they have been processed and reconciled by EPFO. Recent deposits may take time to appear.
Know passbook limitationsMembers of exempted establishments and certain settled or inactive accounts may not be able to access the passbook through the EPFO website.
Review your balance regularlyPeriodic checks help confirm that monthly employer and employee contributions are being credited correctly.

Keeping your UAN active, KYC updated, and contribution records under review helps you manage your EPF account efficiently and plan your retirement savings with greater confidence.


Conclusion

Knowing your PF Account Number and UAN is essential for managing your EPF savings effectively. With multiple easy methods—such as checking salary slips, using the EPFO portal, or the UMANG app—you can quickly access your PF Account details anytime. Staying informed helps you track contributions, monitor balance, and plan your financial future better. Regularly checking your PF account ensures transparency and keeps your retirement savings on track.


Calculate your expected investment returns with the help of our PPF and Provident Fund calculators.

Frequently asked questions

Is e-Nomination Process for PF Account Mandatory?

The e-nomination process for a PF account is not mandatory, but it is recommended for securing your loved ones' access to the EPF account after your demise.

How to check the EPF balance of exempted establishments or private trusts?

Employees working in exempted establishments or private trusts cannot check their EPF balance on the EPFO portal. In such cases, contributions are managed by a company-run trust. To know the PF balance, employees should refer to their salary slips or contact their HR department for updated details.

Can I check the EPF balance if my EPF account is inoperative?

If your EPF account is inoperative, you can still check the balance using the EPFO portal or mobile applications by logging in with your UAN and password till you are 58 years of age.

Can I check my EPF balance using my Aadhaar number?

You need to provide the UAN number to check the EPF balance. Checking the balance using just your Aadhar card number is not possible.

Can I check the EPF balance of my EPF account created from previous employment?

Yes, you can check the EPF balance of your account from previous employment by logging in to the EPFO portal with your UAN and password.

When does the EPF balance get updated?

The EPF balance is typically updated within 24 hours of the contribution.

Is it allowed to apply for an EPF withdrawal online?

Yes, applying for EPF online is allowed and valid.

How long does it take for an EPF withdrawal to be processed?

It takes approximately 15 to 20 days for an EPF withdrawal to be processed.

Are EPF contributions deductible for tax purposes?

Contributions towards EPF is deductible under section 80C of the income tax act.

Do I need permission from my employer to withdraw money from my EPF?

No, you can withdraw money from your EPF account without the permission of your employer.

Is it necessary to provide the pan card when withdrawing EPF funds?

While it's not mandatory, providing your PAN card details during EPF withdrawal can help in avoiding TDS (Tax Deducted at Source) on the withdrawal amount.

What happens to my EPF Account if I quit or change jobs?

If you quit or change jobs, your EPF account remains active, and you can either transfer the existing account to the new employer or continue with the same account by updating your employment details.

How can I check my PF account balance?

You can check your PF account balance online through the EPFO portal or the UMANG app, via SMS, missed call, or by visiting your nearest EPFO office.

How to get PF balance in SMS?

You can check your PF balance through SMS using your registered mobile number. Ensure your UAN is active and linked with Aadhaar, PAN, and bank details. Send an SMS in the format EPFOHO UAN to 7738299899. To receive updates in a preferred language, add the language code (e.g., HIN for Hindi, TAM for Tamil). You will receive details of your PF balance, latest contributions, and KYC status.

What is the process for checking EPF balance online?

You can check your EPF balance online by logging in to the EPFO Member e-Sewa portal using your Universal Account Number (UAN) and password. After signing in, open the Passbook section to view your latest EPF balance, contribution history, and interest credited to your account.

How can I check my PF balance using the UMANG App?

Download the UMANG App and sign in using your registered mobile number. Navigate to EPFO, select Employee Centric Services, and tap View Passbook. Enter your UAN, verify the OTP sent to your registered mobile number, and access your latest PF balance and contribution details.

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