How to Check PF Balance Online in India: A Step-by-Step Guide (2025)

How to Check PF Balance Online in India: The Employees’ Provident Fund (EPF) is a crucial savings scheme for salaried individuals in India, offering financial security during retirement. As an employee, it’s essential to keep track of your PF balance to ensure your contributions are being credited correctly. Fortunately, checking your PF balance online is quick and easy. In this comprehensive guide, we’ll walk you through multiple methods to check your PF balance online, including the EPFO portal, UMANG app, and SMS service. Whether you’re a first-time user or a seasoned professional, this guide has got you covered.

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

The Employees’ Provident Fund (EPF) is a government-backed savings scheme designed to help employees build a retirement corpus. Both the employee and employer contribute 12% of the employee’s basic salary and dearness allowance to the EPF account. The accumulated balance, along with interest, can be withdrawn at retirement or under specific circumstances like medical emergencies or home loans.

Key Benefits of EPF:

• Retirement Savings: Builds a substantial corpus for post-retirement life.
• Tax Benefits: Contributions and interest earned are tax-free under Section 80C.
• Loan Facility: Allows loans against the PF balance for specific purposes.
• Withdrawal Options: Partial or full withdrawals are permitted under certain conditions.

2. How to Check PF Balance Online in India

There are several ways to check your PF balance online. Below, we’ve outlined the most popular and user-friendly methods.

2.1. Using the EPFO Portal

The Employees’ Provident Fund Organisation (EPFO) portal is the official platform for managing your PF account. Here’s how to check your balance:

Step 1: Register on the EPFO Portal

1. Visit the EPFO portal: https://www.epfindia.gov.in.
2. Click on For Employees > Member UAN/Online Service (OCS/OTCP).
3. Click on Activate UAN if you’re a first-time user. You’ll need your UAN (Universal Account Number), which is provided by your employer.
4. Enter your mobile number, UAN, and other required details to complete the registration.

Step 2: Log In to Your Account

1. Go to the EPFO portal and click on Member e-Sewa.
2. Enter your UAN and password to log in.

Step 3: Check Your PF Balance

1. After logging in, click on View Passbook.
2. Your PF balance and transaction details will be displayed. You can download the passbook for future reference.

2.2. Using the UMANG App

The UMANG (Unified Mobile Application for New-age Governance) app is a one-stop solution for accessing various government services, including EPF.

Step 1: Download the UMANG App

1. Download the UMANG app from the Google Play Store or Apple App Store.
2. Register using your mobile number and create a password.

Step 2: Link Your EPF Account

1. Open the app and search for EPFO.
2. Select Employee Centric Services.
3. Enter your UAN and log in using the OTP sent to your registered mobile number.

Step 3: Check Your PF Balance

1. Click on View Passbook.
2. Your PF balance and transaction history will be displayed.

2.3. Using SMS Service

If you prefer a simpler method, you can check your PF balance via SMS.

Step 1: Ensure Your UAN is Activated

• Your UAN must be activated and linked to your mobile number.

Step 2: Send an SMS

1. Open your messaging app and type EPFOHO UAN ENG (replace ENG with your preferred language code, e.g., HIN for Hindi).
2. Send the SMS to 7738299899.

Step 3: Receive Your PF Balance

• You’ll receive an SMS with your PF balance and other details.

2.4. Using the EPFO Missed Call Service

Another convenient way to check your PF balance is through the missed call service.

Step 1: Ensure Your UAN is Linked

• Your UAN must be activated and linked to your mobile number.

Step 2: Give a Missed Call

1. Dial 011-22901406 from your registered mobile number.
2. Disconnect the call after a few rings.

Step 3: Receive Your PF Balance

• You’ll receive an SMS with your PF balance and other details.

2.5. Using the EPF Balance App

The mSeva app (available in select states) and other third-party apps also allow you to check your PF balance.

Step 1: Download the App

1. Download the mSeva app or any trusted EPF balance app from the Play Store or App Store.
2. Register using your mobile number.

Step 2: Link Your EPF Account

1. Enter your UAN and log in using the OTP sent to your registered mobile number.

Step 3: Check Your PF Balance

1. Navigate to the EPF section and view your balance.

3. How to Activate Your UAN

If your UAN is not activated, follow these steps:

1. Visit the EPFO portal: https://www.epfindia.gov.in.
2. Click on For Employees > Member UAN/Online Service (OCS/OTCP).
3. Click on Activate UAN.
4. Enter your UAN, mobile number, and other required details.
5. Verify your details using the OTP sent to your mobile number.
6. Create a password to complete the activation.

4. Common Issues and Troubleshooting

While checking your PF balance online, you may encounter some issues. Here’s how to resolve them:

4.1. UAN Not Activated

• Ensure your employer has provided your UAN and activated it.
• If not, contact your employer or visit the EPFO portal to activate it.

4.2. Incorrect Mobile Number

• If your mobile number is not linked to your UAN, update it through the EPFO portal or contact your employer.

4.3. Forgotten Password

• Use the Forgot Password option on the EPFO portal to reset your password.

4.4. Passbook Not Available

• If your passbook is not showing, ensure your UAN is linked to your PF account. If the issue persists, contact EPFO customer care.

5. Tips for Managing Your PF Account

• Regularly Check Your Balance: Monitor your PF balance to ensure accurate contributions.
• Update KYC Details: Keep your Aadhaar, PAN, and bank details updated on the EPFO portal.
• Track Interest Credits: Verify that interest is being credited to your account annually.
• Plan Withdrawals: Understand the rules for partial or full withdrawals to avoid penalties.

6. Conclusion

Checking your PF balance online in India is a simple and convenient process, thanks to the various methods provided by the EPFO. Whether you prefer using the EPFO portal, UMANG app, SMS service, or missed call service, you can easily stay updated on your PF contributions and balance. Regularly monitoring your PF account ensures financial security and helps you plan for a comfortable retirement. So, take a few minutes today to check your PF balance and take control of your financial future!