The Provident Fund (PF) is a critical component of financial planning for many salaried individuals in India. It helps build a retirement corpus by regularly contributing a portion of your salary, along with your employer’s contribution. Knowing how to access and monitor your Provident Fund balance is essential to track your savings. With digital tools and the EPF balance check process becoming more streamlined, you can easily check your PF balance in various ways, including online methods, mobile applications, and SMS services.
In this blog, we’ll discuss all the methods available for PF balance check online, the use of UAN (Universal Account Number), mobile services, and even how to check your balance via SMS.
Understanding Provident Fund (PF) and the Importance of Balance Checks
The Employees’ Provident Fund (EPF) is a retirement benefits scheme for salaried employees in India. Both employees and employers contribute a fixed percentage of the employee’s salary toward this fund. Over time, this grows into a substantial amount that can support you during retirement. However, being aware of the exact balance in your PF account is crucial for planning your financial future, especially when considering withdrawals or loans.
Methods to Check PF Balance
There are several methods available for PF balance check online and offline. Depending on your preference and convenience, you can access your EPF balance in various ways.
- PF Balance Check Online via TrackMyPF app
One of the easiest and most efficient ways to check your Provident Fund (PF) balance is by using the TrackMyPF app. This app simplifies the entire process, providing real-time updates and making it convenient for users to access their PF balance anytime, anywhere.
Here’s how you can check your PF balance using the TrackMyPF app:
- Step 1: Download the TrackMyPF Balance by Finnable app from Google Playstore or Apple iStore.
- Step 2: Register your account using your UAN (Universal Account Number) and complete the necessary authentication steps.
- Step 3: Once registered, you will have real-time access to your EPF balance, contributions, and passbook.
- Step 4: The app will provide you with detailed information about your contributions, including employer contributions, interest accrued, and the total EPF balance.
Advantages of Using TrackMyPF App:
- Real-time updates: The app provides instant access to your EPF balance.
- Convenient access: Available on mobile, making it easy to check your balance on the go.
- Additional features: Track your EPF transactions, contributions, and interest all in one place.
The TrackMyPF app is a user-friendly solution that ensures you stay updated with your PF balance effortlessly.
PF Balance Check Online Through EPFO Portal
One of the most popular methods for checking your PF balance is through the official Employees’ Provident Fund Organisation (EPFO) website. Here’s how you can perform an EPF balance check online:
Step 1: Visit the official EPFO website: https://www.epfindia.gov.in.
Step 2: Go to the “Our Services” section and click on “For Employees.”
Step 3: Click on “Member Passbook” under the “Services” tab.
Step 4: Log in with your Universal Account Number (UAN) and password.
Step 5: Once logged in, you can view your passbook, which will display your total EPF balance, both from the employee’s and employer’s contributions.
Advantages of Online PF Balance Check
- You can access your balance anytime and anywhere.
- You can view both your contributions and your employer’s contributions.
- The passbook also shows interest accumulated on your PF balance.
PF Balance Check with UAN Number
The Universal Account Number (UAN) is a unique identification number assigned to each PF account holder. With UAN, you can easily check your PF balance check with UAN number online or through other methods like SMS or mobile apps.
Step 1: Activate your UAN on the EPFO portal if you haven’t already.
Step 2: Log in to your UAN account via the EPFO member portal.
Step 3: Once logged in, you can view your PF passbook, balance, and other details directly linked to your UAN.
Using the UAN makes the PF balance check process easier as all PF accounts, even from previous jobs, are linked under one UAN, offering consolidated information.
PF Balance Check by PF Number
Another method to check your balance is by using your PF number. If you are familiar with your Provident Fund account number, you can perform a PF balance check by PF number through the EPFO portal or mobile apps. However, using the UAN is generally more convenient since it links all your PF accounts.
PF Balance Check with Mobile Number via SMS
If you do not have internet access, you can still check your PF balance using your mobile phone. The PF SMS balance check feature allows you to receive your balance information via text message.
- Step 1 : Ensure that your UAN is activated and linked to your mobile number.
- Step 2 : Send an SMS to 7738299899 from your registered mobile number. The format of the SMS should be: EPFOHO UAN ENG. Here, “ENG” represents the language in which you want to receive the information. You can replace it with other language codes like HIN for Hindi, TEL for Telugu, etc.
- Step 3: You will receive an SMS with your current PF balance.
PF Balance Check with Mobile Number via Missed Call
Another convenient method is using the missed call service:
Step 1: Ensure that your UAN is linked to your mobile number.
Step 2: Give a missed call to 011-22901406 from your registered mobile number.
Step 3: You will receive an SMS containing details of your PF balance.
Using UMANG App for PF Balance Check
The UMANG (Unified Mobile Application for New-age Governance) app is an all-in-one app offering a range of government services, including PF balance check online. You can perform the UMANG view passbook action using the app to view your PF balance, track contributions, and check your transaction history.
- Step 1: Download the UMANG app from Google Playstore or Apple iStore.
- Step 2: Register using your mobile number and complete the authentication process.
- Step 3: Go to the EPFO section and select “Employee Centric Services.”
- Step 4: Click on “View Passbook” and log in with your UAN and OTP.
- Step 5: Your passbook, which includes your EPF balance and transaction history, will be displayed.
The UMANG app is easy to use and provides multiple services, making it a handy tool for anyone looking to track their PF balance.
EPF Trust Balance Check
If you are part of an organization that manages its EPF through a private trust, you can still perform an EPF trust balance check. Many companies offer internal systems or portals for employees to check their EPF balances. You will need to log in to the company’s designated platform or contact the HR department for guidance on accessing your balance.
Conclusion
Checking your Provident Fund balance is a crucial aspect of managing your finances, especially when planning for retirement. With various methods like PF balance check with UAN number, PF balance check by PF number, and PF SMS balance check, you can easily stay informed about your retirement savings. By regularly performing a PF balance check online or using mobile services, you can ensure that your savings are growing as expected and take timely action if needed. Whether you’re checking through the EPFO portal, mobile apps, or SMS services, staying updated on your PF balance will keep you on top of your financial planning.
Managing and tracking your EPF balance can become overwhelming, especially if you’ve had multiple employers. The “TrackMyPF Balance by Finnable” app simplifies the process by providing real-time tracking of your EPF balance and updates. It offers easy access to your passbook and other EPF details, and it’s available on both Google Playstore and Apple iStore.
