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Blogs > 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 | Up to 90% of EPF balance can be withdrawn before retirement.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.
