How to Check EPF Balance Through SMS: Complete Guide
Employee Provident Fund (EPF) is one of the most trusted retirement savings schemes for salaried employees in India. Both you and your employer contribute a fixed percentage of your salary every month, and the balance keeps growing with interest.
Why Should You Check Your EPF Balance Regularly?
Reason | Impact | Example/Stats |
---|---|---|
Retirement Planning | Helps track how much corpus is building for retirement. | A 30-year-old earning ₹50,000 monthly can build ₹1.2+ Cr by retirement with regular contributions. |
Employer Verification | Ensures the employer is depositing contributions. | 12% of basic salary (employee) + 12% (employer). |
Loan/Withdrawal Needs | Knowing balance helps plan partial withdrawals. | Up to 90% of EPF balance can be withdrawn before retirement. |
Financial Transparency | Tracks pension contribution separately. | Out of employer’s 12%, 8.33% goes to EPS (subject to cap). |
Step | Action | Details |
---|---|---|
Step 1 | Ensure UAN is Activated | Your Universal Account Number (UAN) must be active and linked with Aadhaar, PAN, and bank. |
Step 2 | Type SMS in Required Format | Example: EPFOHO UAN ENG |
Step 3 | Send SMS | Send to 7738299899 (official EPFO number). |
Step 4 | Get Balance Details | You’ll receive SMS with balance, last contribution, and account details. |
EPFO provides service in 10+ regional languages.
Language | Code | Example |
---|---|---|
English | ENG | EPFOHO UAN ENG |
Hindi | HIN | EPFOHO UAN HIN |
Tamil | TAM | EPFOHO UAN TAM |
Telugu | TEL | EPFOHO UAN TEL |
Marathi | MAR | EPFOHO UAN MAR |
Bengali | BEN | EPFOHO UAN BEN |
Kannada | KAN | EPFOHO UAN KAN |
Punjabi | PUN | EPFOHO UAN PUN |
Gujarati | GUJ | EPFOHO UAN GUJ |
Malayalam | MAL | EPFOHO UAN MAL |
Factor | Details | Impact on Balance |
---|---|---|
Employee Contribution | 12% of Basic Salary + DA | Increases total EPF corpus. |
Employer Contribution | 12% (8.33% EPS + 3.67% EPF) | EPS builds pension corpus. |
Current Interest Rate | 8.25% (FY 2024-25) | Compounded annually. |
Withdrawal Rules | Up to 90% allowed before retirement. | Useful for housing, education, medical needs. |
Average Corpus | ₹10–₹15 lakh (after 15–20 years for mid-salaried employees). | Helps in retirement planning. |
Method | How it Works | Requirement |
---|---|---|
Missed Call | Dial 9966044425 | Registered mobile number linked to UAN. |
UMANG App | Install UMANG and log in with UAN | Smartphone + internet. |
EPFO Portal | Login via UAN + password | Internet access. |
Checking your EPF balance through SMS is the quickest way to stay updated about your savings. It works without internet, takes less than a minute, and keeps you informed about both contributions and interest.
By making it a practice to check your EPF balance every few months, you can ensure that your employer is depositing funds regularly and that your retirement plan stays on track.
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FAQ’s
Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.
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