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EPF Balance Check Online: Mobile, SMS, Call, and Umang App

  • Highlights
  • Check your PF balance in various languages via SMS

  • View your EPF passbook via the EPFO portal

  • Give a missed call to check your EPF balance without incurring any charges

  • Multiply your EPF corpus by investing in high-yielding company FD

Investing in Employee’s Provident Fund (EPF), also referred to as PF, helps you save for retirement and make the most of your employment years, as it comprises contributions made by you and your employer. In order to efficiently plan for retirement, it is essential to know the balance of your PF account. This will give you an indication of how your savings match up to your goals, and if you need to make other investments.

It is important as an informed investor to know how much you have in the EPF account as it is a sizeable corpus which can be earmarked for important financial goals. With various withdrawal options available, you can look at re-investing your EPF amount in the future to achieve your financial plan.

How to check EPF Balance on Mobile?

Take a look at the ways in which you can check your EPF balance easily.

1. Checking EPF balance via SMS

If you have registered your UAN with EPFO (Employee Provident Fund Organisation), you can check your PF balance easily 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. Checking EPF balance via the EPFO portal

You can use the new EPFO portal to view your PF passbook. You can also print the same if you need to. All you need to do is visit www.epfindia.gov.in, go to ‘Our services’ and select ‘For employees’. You can then click on ‘Services’ and select the ‘Member passbook’ option. Then, you will need to enter your UAN and password to view your passbook. Although the UAN is given to you by EPFO, it is essential that your employer verifies and activates it in order for you to use these services.

Additional Read: How to activate UAN Number online in 5 Steps

3. Checking EPF balance via the Umang application

The government has launched the Umang app in order 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 via the app itself. All you need to do is register by entering a one-time password that is sent to your mobile number.

4. Checking EPF balance via a missed call

If you have registered and activated your mobile number on the UAN portal, and you have 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 011-22901406 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 with regards to your balance and the last contribution made to your PF account in the form of a text message.

Additional Read: All you need to know about Employee Provident Fund

Multiplying your EPF corpus

EPF is a debt-based investment instrument which doesn’t have any exposure to the market. Thus, it could fetch you negative returns when the inflation goes very high. It makes sense to withdraw and re-invest some portion of your EPF in high growth instruments.

While checking the EPF balance is now easy, it is equally easy to withdraw your EPF corpus and earn more on it. When you transfer or withdraw your EPF, consider highly lucrative fixed income instruments like fixed deposit, which offers guaranteed returns with safety of capital.

Why should you invest in Fixed Deposit?

Fixed deposits are preferred investment avenues, which help you earn interest and grow your savings easily. As one of the safest investment options, Bajaj Finance Fixed Deposit Bajaj Finance FDs are quite versatile.

They give you the option to keep earning interest while also giving you a loan of up to Rs. 4 lakh against the FD. This aids to your liquidity status and emergency cash crunch. If you use the online calculator to understand various combinations of tenors and capital invested, you can ensure to not have a cash crunch and also provide for the future.

Additional advantages of Bajaj Finance FD investments:

  • 1. High Interest – You can avail 1-2% more than bank FDs, which enables new investors to grow their investment capital by 49%, and for senior citizens by 51%.

  • 2. Assurance of safety – With high ratings from leading credit rating firms like CRISIL and ICRA, these FDs are equally safe in comparison to EPF.

  • 3. Advanced features –Bajaj Finance FD offers you several benefits like auto-renewal, multi-deposit facility, debit card investment which make your investments flexible.

  • 4. Smart investing –Using a combination of cumulative and non-cumulative FDs, you can create a regular flow of income as well as create a corpus for the future. Laddering investments across various interest rate slabs will also help you benefit from the averaging of fluctuating interest rates and increase your overall earnings.

So, you use the above methods to check your balance or last contribution to your EPF amount conveniently, as and when you feel the need to. You can also choose to multiply your contribution towards your account by aiding with high-yielding fixed deposit.

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