How to Check PF Balance? - With or Without UAN

PF is an essential saving scheme specially designed to provide financial security to the employee who contributed to it. Employed Provident Funds managed by the EPFO department whose work to track the contributions. This contribution is done by the employer and employee both therefore having a better understanding over this subject is must. In most of the cases, many companies deduct the PF from the employee’s salary but not deposit it to EPFO, therefore every employee must check their PF balance regularly. The most common question arises here that can be check our PF balance without UAN or is it mandatory to have? 

In this blog, we will go through the complete understanding over the PF and multiple ways to check PF Balance - with or without the UAN. 

What is PF?

PF stands for “Provident Funds” is a retirement saving scheme where both the employer and employee contribute. This scheme is governed by the EPFO which stands for Employees’ Provident Fund Organization that is a government social security agency whose main role is to manage provident funds in India. The PF account gets interest and withdrawn under the specific conditions. EPF is mainly for salaried employees but the PPF (Public Provident Fund) is open for all. PPF and EPF both are beneficial for tax and also contribute to long-term security. 

Methods to Check PF Balance

The PF account holder has a question: can they check PF balance both with and without UAN? So, Yes! PF account holder can check PF Balance via several methods: 

1. Checking PF Balance with UAN
   
   

• Via EPFO Portal 

Step 1: Visit the EPFO official portal - https://www.epfindia.gov.in

Step 2: Click on the “For Employees” which you will find under the “Service Tab”. 

Step 3: Click on “Member Passbook” . 

Step 4: Enter your UAN which stands for Universal Account Number and then enter the password. 

Step 5: After putting the password, your pf balance and transaction details will be displayed. 

• Using UMANG App 

Step 1: Firstly, you need to download the “UMANG App” from the Google play store or Apple App Store depending on your preference. 

Step 2: When you open the app you will see “EPFO Service” select it. 

Step 3: Then Choose “View Passbook” 

Step 4: After clicking on “View Passbook” enter the UAN and OTP which are sent to the registered mobile number. 

Step 5: Then you are able to view your PF Balance. 

• Via SMS 

Step 1: Send an SMS on 7738299899 in the format of “EPFOHO UAN”.



Note: If you would like to receive SMS in any other language than English, you will need to add the first three characters of the language after UAN.

For example, to receive an SMS in Punjabi then the SMS to be sent will be “EPFOHO UAN PUN” to 7738299899. 

Step 2: The Account holder will receive an SMS with their latest PF Balance. 

• Via Missed Call 

Step 1: Connect on 9966044425 from the registered mobile number. 

Step 2: It will be an auto connected call, and will be disconnected automatically. 

Step 3: After just this call, the account holder will receive an SMS containing the PF Balance.

• Via EPFO Whatsapp Service

Connect on whatsapp helpline number provided by the EPFO (It may vary on different regional offices). 

Get the contact number of your region on EPFO official portal. 

Send a message requesting the PF balance and you will receive a response. 

2. Checking PF Balance without UAN

Many employees don’t have UAN, still they can check their PF Balance by using below-mentioned methods:

• Via Employer

The employee mainly get their PF details in monthly payslip. They can also request to their company HR or finance team for updating their balance statement. 

• Via EPFO Office Helpdesk

The PF account holder can visit the nearby EPFO office and by providing their details such as PF account number, PAN, Aadhar or registered mobile number, the account holder will be able to check their PF balance. 

• Connecting with EPFO Customer Care 

The account holder can connect on the EPFO toll-free helpline on 1800-118-005 and provide PF account details and the department will assist you with checking the balance. 

Conclusion 

Regularly checking your PF balance facilitates financial planning and ensures transparency. No matter if you have a UAN or not, you can access your EPF details using multiple methods. In order to access PF services smoothly, ensure that your UAN is activated, KYC is updated, and your mobile number is linked to your account. Whenever you need assistance, EPFO's helpline and regional offices are available.

Frequently Asked Questions (FAQs)

1. What is UAN, and why is it important?

UAN stands for Universal Account Number which is a unique number issued to every PF account holder to contribute to EPF. It aids in managing many PF accounts under the single ID. 

2. How can I activate my UAN?

Yes, via visiting the EPFO official portal and entering the relevant details, you can activate your UAN. 

3. How frequently is PF interest updated?

EPF interest comes yearly but it is updated periodically. 

4. What if my registered mobile number is changed?

If your registered mobile number has changed you can update your mobile number on EPFO portal. 

5. Is it possible to check PF balance offline?

Yes, there are many offline options to check PF balance such as via SMS, employer assistance, via missed call or via visiting the EPFO office.