⚡ Quick Summary
You don't need the internet to check your PF balance. Just give a missed call to 9966044425 or send an SMS to 7738299899 from your registered mobile number. You will receive your total balance details via SMS in 1 minute.
How to Check EPF Balance Online & Offline (2026 Guide)
Don't wait for your HR to send the annual slip. Check your Employee Provident Fund (EPF) balance instantly using Missed Call, SMS, or the new e-Passbook portal.
WARNING: Fake Apps Alert
The Play Store is flooded with fake apps named "PF Balance Check". These apps steal your personal data and show advertisements.
The ONLY Official App is "UMANG". Please do not download any other third-party EPF apps.
Understanding Your Balance
*Pension money can only be withdrawn if your service is less than 10 years. If service > 10 years, you get a monthly pension.
Is Your Employer Depositing Money?
Checking your balance is not just about savings, it's about vigilance.
- ❌ Wage Theft: Some companies deduct PF from salary but delay depositing it to EPFO.
- ❌ Interest Loss: If the money isn't deposited on time, you lose the compound interest.
- ✅ Action: Check your "Monthly Passbook" to ensure entries match your salary slip.
Requirements Checklist
- ✅ UAN Active: Your Universal Account Number must be activated.
- ✅ KYC Done: Aadhaar & PAN should be linked.
- ✅ Registered Mobile: You need access to the phone linked with UAN.
Ready to Check?
1 Choose Your Method
| Method | Difficulty | Internet? | Details |
|---|---|---|---|
| Missed Call | Very Easy | No | Total Balance Only |
| SMS | Easy | No | Last Contribution + Total |
| Umang App | Medium | Yes | Full Passbook |
| EPFO Portal | Hard | Yes | Download PDF + History |
📞 Method 1: Missed Call (Fastest)
Dial this number from your registered mobile:
Note: The call will disconnect automatically after 2 rings. You will receive an SMS with your balance within 1 minute. It is free.
📩 Method 2: SMS Service
Send SMS to 7738299899 in this format:
Replace <UAN> with your 12-digit UAN. 'ENG' stands for English. You can use HIN (Hindi), TEL (Telugu), etc.
3 Decoding Your Passbook: Where is my money?
When you download the passbook from the portal, you will see 3 columns. It is confusing for beginners. Here is what they mean:
Employee Share
12% deducted from your salary. This is 100% yours and fully taxable if withdrawn before 5 years.
Employer Share
3.67% contributed by your company. The rest goes to pension. You can withdraw this too.
Pension Scheme
8.33% from employer contribution. You CANNOT withdraw this as advance. Only on retirement or full exit.
Why is my balance "0" or "Not Available"?
If you work for a large corporate like TCS, Infosys, Wipro, or HDFC Bank, you might see zero balance on the government portal.
Reason:
These companies run "Exempted PF Trusts". They manage their own PF money, not the EPFO.
Solution:
You must log in to your company's own HR/Payroll portal to check the balance. The government site only tracks the Pension part for you.
Frequently Asked Questions
How to check balance without UAN?
It is very difficult. UAN is mandatory. However, you can go to the EPFO website homepage > "Know Your UAN" link. Enter your Mobile Number and Aadhaar to find your UAN first.
Does Missed Call work for new employees?
Only if your UAN is activated and KYC (Aadhaar) is linked by your employer. If you just joined, wait for 1-2 months for the first deposit to happen.
When is interest credited?
EPFO usually credits interest for the financial year (Apr-Mar) by the end of the calendar year (e.g., Dec or Jan). It appears as a separate entry in your passbook.