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Methods to Check EPF Balance: A Complete Guide | IndiaLends

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Methods to Check EPF Balance: A Complete Guide | IndiaLends

Staying updated on your Employees’ Provident Fund (EPF) balance is essential for tracking your retirement savings. Whether you’re planning to withdraw PF, change jobs, or apply for a loan, knowing your EPF balance helps you stay financially prepared.

In this guide by IndiaLends, we explain the different ways to check your EPF balance—online, via SMS, app, and more. But first, ensure your UAN is linked with Aadhaar, as it is mandatory to access most EPF services.

Matrix: All EPF Balance Check Methods at a Glance

1. Check EPF Balance via EPFO Portal

• Go to the EPFO Member Passbook Portal
• Log in with your UAN and password
• Select your Member ID to view your EPF passbook
• You'll see employer and employee contributions, interest earned, and withdrawals

Make sure you’ve completed the process to link UAN with Aadhaar card for EPF members to access the passbook.

2. Check EPF Balance via UMANG App

• Download the UMANG App from Play Store or App Store
• Go to “EPFO” > “Employee Centric Services”
• Click “View Passbook” and enter your UAN
• Authenticate with the OTP sent to your Aadhaar-linked mobile number

3. Check EPF Balance via SMS

• Send an SMS from your registered mobile to 7738299899
• Format: EPFOHO UAN ENG
  Replace “ENG” with your preferred language code like HIN (Hindi), TAM (Tamil), etc.
• You’ll receive a message with your latest balance and contribution info

4. Check EPF Balance via Missed Call

• Dial 011-22901406 from your registered mobile
• The call disconnects automatically
• You’ll receive an SMS with your EPF balance details

Your mobile number must be registered with your UAN, and KYC (Aadhaar, PAN, and bank details) should be updated.

5. Check EPF Balance via EPF Passbook

• Log in to the EPF passbook portal
• Choose your Member ID to view passbook
• It shows monthly contributions, interest, and past transactions

For a full guide, check: EPF Passbook: How to Access and Track Your PF Online

Why You Should Regularly Check Your EPF Balance

• Confirm that employer contributions are timely
• Monitor interest earned on your savings
• Track eligibility for partial or full PF withdrawals
• Stay informed before job change or transfer
• Use it for financial planning, loan, or emergency needs

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FAQs: Methods to Check EPF Balance

Q1. Do I need to link Aadhaar to check my EPF balance?
Yes. Aadhaar must be linked with UAN to access digital services like EPF passbook and balance via UMANG.

Q2. How often is the EPF balance updated?
Generally, every month once the employer deposits the contribution.

Q3. Can I check balance for multiple employers?
Yes, each Member ID (for each employer) can be viewed separately under your UAN.

Q4. Is checking balance via SMS or missed call safe?
Yes, provided your mobile number is registered with your UAN and KYC is complete.

Q5. What if I forgot my UAN password?
You can reset it on the UAN Member Portal using your Aadhaar-linked mobile number.

Final Thoughts

Regularly checking your EPF balance helps you stay informed about your retirement savings and employer contributions. Whether you prefer checking online, by SMS, or using an app, all options are easy—as long as your UAN is active and linked with Aadhaar.

At IndiaLends, we not only help you stay financially aware, but also offer tools to check your credit score, compare loans, and make better financial decisions.

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