How to Check EPF Balance via SMS – Step-by-Step Guide (2025)
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Indialends, 09 Sep 2025

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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?

ReasonImpactExample/Stats
Retirement PlanningHelps 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 VerificationEnsures the employer is depositing contributions.12% of basic salary (employee) + 12% (employer).
Loan/Withdrawal NeedsKnowing balance helps plan partial withdrawals.Up to 90% of EPF balance can be withdrawn before retirement.
Financial TransparencyTracks pension contribution separately.Out of employer’s 12%, 8.33% goes to EPS (subject to cap).

Step-by-Step: How to Check EPF Balance Through SMS

StepActionDetails
Step 1Ensure UAN is ActivatedYour Universal Account Number (UAN) must be active and linked with Aadhaar, PAN, and bank.
Step 2Type SMS in Required FormatExample: EPFOHO UAN ENG
Step 3Send SMSSend to 7738299899 (official EPFO number).
Step 4Get Balance DetailsYou’ll receive SMS with balance, last contribution, and account details.

Language Options for EPF Balance SMS

EPFO provides service in 10+ regional languages.

LanguageCodeExample
EnglishENGEPFOHO UAN ENG
HindiHINEPFOHO UAN HIN
TamilTAMEPFOHO UAN TAM
TeluguTELEPFOHO UAN TEL
MarathiMAREPFOHO UAN MAR
BengaliBENEPFOHO UAN BEN
KannadaKANEPFOHO UAN KAN
PunjabiPUNEPFOHO UAN PUN
GujaratiGUJEPFOHO UAN GUJ
MalayalamMALEPFOHO UAN MAL

Data-Driven Insights on EPF

FactorDetailsImpact on Balance
Employee Contribution12% of Basic Salary + DAIncreases total EPF corpus.
Employer Contribution12% (8.33% EPS + 3.67% EPF)EPS builds pension corpus.
Current Interest Rate8.25% (FY 2024-25)Compounded annually.
Withdrawal RulesUp 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.

Alternative Ways to Check EPF Balance

MethodHow it WorksRequirement
Missed CallDial 9966044425Registered mobile number linked to UAN.
UMANG AppInstall UMANG and log in with UANSmartphone + internet.
EPFO PortalLogin via UAN + passwordInternet access.

Final Thoughts

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.

FAQ’s

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