EPF Interest Rate @ 8.65% | EPFO India 2019 | How to Check EPF Balance

EPF holders need to check EPF balance time to time for keeping track of their accumulated corpus. Today, you no longer need to wait for your employer to share the provident fund statement at the end of each year to know the PF balance.

You can now check your PF balance anywhere, anytime with the help of 5 options – Umang app, EPFO app, EPFO portal, SMS and by even giving a missed call.

Check EPF balance (online/offline)

Here are some of the ways to check EPF balance that you can follow –

  1. Using Umang app

Employees can now access their provident fund balance on their smartphones via the Umang app. This mobile application was launched by the Indian Government as a part of the ‘digital drive’ to offer access to different government services from one platform.

Through Umang app, you can view EPF passbook, raise and track claim from the app itself. To log in, you need to perform an OTP verification using your registered mobile number.

  1. Via EPFO portal

Instead of availing several 3rd party portals, PF users can now benefit from a unified EPFO portal. Through this portal, users now have access to provident fund passbooks, track transactions and conduct transfers accordingly.

To check EPF balance via EPFO portal, you first need your PF account to be linked with your UAN (Universal Account Number.) You can also download the passbook and print it from the website itself.

Follow these steps –

Step 1: Log in the official website of EPFO at www.epfindia.gov.in.

Step 2: Navigate to the ‘For Employees’ under the tab ‘Our Services.’

Step 3: Select ‘Member Passbook’ from the ‘services’ tile. It will take you to a landing page where you will be prompted to enter your UAN and password to view your EPF balance.

Alternatively, you can directly go to the webpage – https://passbook.epfindia.gov.in/MemberPassBook/Login.jsp. To access this passbook, your UAN must be activated by your employer. The UAN is provided by EPFO, but it requires verifying and activating by the employer. Therefore, if yours is already activated – use it and your password for logging in and checking your passbook balance.

However, this passbook facility cannot be accessed by members from establishments that are exempted from the PF scheme. If you still to check EPF balance, you will receive a message – ‘Passbook not available for this member ID.’

  • Through SMS

If you have registered your UAN with the EPFO, you can view details of your latest constitution along with PF balance. Send an SMS with this message EPFOHO UAN ENG to 7738299899. Here, the last 3 characters are your preferred language. It can be in Hindi, Bengali, Marathi and a host of other regional languages. Also, ensure that the UAN is seeded with your PAN, Aadhaar and bank account, or else request your employer to seed them on your behalf.

  1. Giving a missed call

If you have already registered on the UAN portal, you can give a missed call at 011-22901406 from the registered mobile number. It will fetch you with all the details of your EPF balance.  

  1. Via EPFO app

You can check your PF balance through the M-SEWA app from EPFO. Download it from Google Play Store and click on ‘Member.’ Navigate to the ‘Balance/Passbook’ section. Now, enter your registered UAN and mobile number.

With this information in hand, you can easily check EPF balance. It is equally convenient to withdraw your PF corpus as well and reinvest it to earn more. Apart from investing in Employees Provident Fund, you can also invest in other safe avenues like a fixed deposit – that assures safety of capital and promises guaranteed returns.

Why invest in a fixed deposit?

Fixed deposits are one of the safest investment avenues as the security of the funds is guaranteed by credit bodies such as ICRA and CRISIL when you choose to invest with trustworthy financial companies. You also enjoy a higher interest rate which is pre-determined and remains same throughout the tenor. You can invest in a combination of cumulative and non-cumulative fixed deposits to create a channel for steady periodic income and build a handsome corpus for your future use as well.

Following the above guidelines on methods to check EPF balance, you can easily monitor your contribution and use the amount as per your financial goals. You also have the option to multiply your savings by investing your PF amount in a high-yielding fixed deposit. However, always conduct in-depth research on the best investment options in India and settle on one that best caters to your financial portfolio and goals.

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