EPF Balance Check Online with UAN Number – 2025 Complete Guide

EPF Balance Check Online with UAN Number – 2025 Complete Guide

In today’s digital world, every salaried employee in India must stay informed about their Employees’ Provident Fund (EPF) balance. This not only helps with long-term financial planning but also ensures better preparedness for emergencies and retirement. With the Universal Account Number (UAN), the Employees’ Provident Fund Organisation (EPFO) has made it easier than ever to check your PF balance online and offline.

What is EPF and Why Does It Matter?

The Employees’ Provident Fund (EPF) is a government-mandated savings scheme aimed at building a retirement corpus for salaried employees. Every month, both the employee and the employer contribute 12% of the employee’s basic salary to this fund. The EPF earns interest and offers tax benefits, making it one of the safest long-term investment tools.

Key Benefits of EPF:

 What is UAN (Universal Account Number)?

UAN is a 12-digit unique number assigned to each EPF member. It links all your PF accounts across different employers and provides a centralized view of your PF-related activities.

With UAN, you can:

  • Check your EPF balance online

  • Download the passbook

  • Transfer PF from one employer to another

  • Submit online claims and withdrawals

  • Track monthly deposits and interest

 How to Check EPF Balance with UAN – Top 5 Methods

1. Via EPFO Member Portal

  • Visit: EPFO Website

  • Go to ‘Our Services’ → ‘For Employees’

  • Click on ‘Member Passbook’

  • Log in using your UAN and password

  • View your monthly contributions, balance, and interest

✅ Tip: Ensure KYC details like Aadhaar, PAN, and bank are updated.

2. Using the UMANG App

  • Download UMANG from Play Store or App Store

  • Register using the mobile number linked to your UAN

  • Navigate to: EPFO → Employee Centric Services

  • Select “View Passbook”

  • Authenticate with OTP and access your PF details

3. Through SMS

  • Send SMS in this format: EPFOHO UAN ENG to 7738299899

  • Replace “ENG” with language code (e.g., HIN for Hindi)

  • Make sure your UAN is linked to your mobile

Example: EPFOHO 123456789012 ENG

4. Missed Call Service

  • Dial: 9966044425 from your registered mobile number

  • Call gets disconnected automatically

  • You’ll receive an SMS with your EPF balance

5. Unified UAN Portal

  • Visit: UAN Portal

  • Log in using UAN and password

  • Access dashboard to check balance, service history, KYC, and claim status

 How to Activate UAN

If your UAN isn’t active:

  • Visit: UAN Activation

  • Click ‘Activate UAN’

  • Enter details (UAN, Aadhaar, or PAN)

  • Authenticate via OTP and set password

  • Once done, you can use all online EPFO services

 How Much EPF Balance Is Ideal?

A good target is to accumulate 12–15 times your annual income in EPF by the time you retire. You should regularly monitor:

  • Monthly contributions from you and employer

  • Accrued interest

  • Pension component (EPS)

  • Partial withdrawals (if any)

Use tools like:

  • EPF Corpus Calculator

  • Retirement Planning Tool

 Common Errors and Fixes

Issue Reason Solution
Wrong UAN/password UAN not activated Use ‘Forgot Password’ or activate UAN
No balance shown Delay in employer’s update Contact your company HR
SMS/missed call doesn’t work Mobile not linked Update KYC

How to Download EPF Passbook?

Your passbook includes:

  • Opening and closing balance

  • Employer and employee share

  • Interest credited

 EPF Withdrawal and Claim Tracking

You can withdraw your EPF funds for:

  • Retirement or resignation

  • Marriage or education

  • Home loan repayment

  • Medical treatment

To check claim status:

  • Log in to the UAN portal

  • Navigate to: Online Services → Track Claim Status

 Final Words

Checking your EPF balance regularly is essential for financial discipline and long-term planning. With multiple methods like the EPFO portal, UMANG app, SMS, missed call, and UAN login—tracking your provident fund is now easier than ever. Make the most of your UAN and take control of your retirement savings today!

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