Provident Fund (PF) is perhaps the easiest way to save for retirement; and employees often reach out to their employer, whenever in need to find out about their PF account and PF balance. However, with the Employees' Provident Fund Organisation (EPFO) portal, EPFO App, Umang App or by a simple missed call or SMS, anyone can check their PF balance with utmost convenience. Using these online portals and apps, any employee availing the scheme can directly check their PF details, without their employer's intervention every time.
An Employee Provident Fund (EPF) is a huge benefit for employees today when everyone is looking for tax-free returns. The EPF scheme was introduced in the year 1952 as a mandatory saving scheme. The major benefit of this scheme is that both the employee and the employer contribute to this saving pool and that also in equal amounts.
On October 1st 2014, the government of India launched the Universal Account Number (UAN) for employees, for the ease of portability. The UAN number is allotted to the employees contributing towards the PF, and acts as a standard account number for multiple IDs, which the user could have secured from different organisations. The UAN number is majorly used to track one's PF account balance and PF claim status.
Here are four simple ways to instantly check PF balance online, without having to wait for your employer to send it out to you.
Steps To Check Your PF Account Balance
How To Check PF Balance Using EPFO Portal?
- EPFO Portal: With your UAN number, you can easily get to view your PF account balance and status. With a few simple steps you can get access to your member passbook using which you can check your PF account details, given that your UAN is activated by your employer. The UAN number is provided by the EPFO, but the activation is done by the employer. Also, if you are checking the passbook information for any restricted establishment, you will not be able to view the same.
Step 1: Open the Webpage : www.epfindia.gov.in
Step 2: Click on the tab- Employees under Services – Services -- Employees
Step 3 : Now click on Member Passbook under Services – Services -- Member Passbook
Step 4: Put in your UAN details – the UAN number and the password to access your passbook.
How To Check PF Balance Using Missed Call Service?
- Missed Call: One of the quickest and simplest methods of checking PF balance is the missed call service. By simply giving a missed call from your registered mobile number to - 011-22901406, you can access your details. This is an absolutely free of cost service and works for UAN numbers who are enrolled with a bank account, Adhaar, and PAN.
Step 1: Using your registered mobile number give a missed call to 011-22901406.
Step 2: After giving a missed call, you will receive an SMS with your PF details.
How To Check PF Balance Using SMS Service?
SMS: With a simple message to the SMS number of EPFO, you can receive your account details. The message you need to send is EPFOHO UAN ENG (here ENG is the first three letters of the language you want to receive the message in) and the number you need to send it to is 7738299899. There are 10 languages this facility is available in - English (default), Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, Malayalam, and Bengali. Also remember this message needs to be sent from your registered mobile number.
Step 1: Compose an SMS for mobile number 7738299899.
Step 2: The message you send is - EPFOHO UAN ENG (Here, ENG is the first three letters of the language you want the message in).
How To Check PF Balance Using Umang App?
Umang App: This app is a government initiative to help people get access to their PF balance using their mobile phone. To use this app you need to complete a one time registration using your registered mobile number.
Frequently Asked Questions About PF Account Balance
Q. How can I check my pf balance?
A. There are four different ways to check your PF balance – using the EPFO portal, via missed call, via an SMS or using the Umang App.
Q. Who comes under EPFO?
A. Employees who are drawing Rs.15,000 per month have to mandatorily become EPF members, while employees earning more can also opt out.
Q. Which organisations are exempted from PF account?
A. Organisations with 20 or more employees are required to register for EPF scheme, while organisations lesser than 20 employees can voluntarily register.
Q. What are the most common rejections for PF claim?
A. There are many reasons for which your PF account claim could get rejected: 1. Non updation of bank account details. 2. Incomplete KYC 3. Unclear signatures 4. Incorrect member details
Q. How is PF calculated on salary?
A. The PF contribution by employee and employer equals to 12% or 10% of the basic pay plus dearness allowance.