Want to know how to check PF balance without visiting your HR team or an EPFO office? This step-by-step guide is for salaried employees, first-job holders and people who have changed jobs and want to see how much money is in their Employees’ Provident Fund (EPF) account – online, by SMS or with a missed call.
Quick answer: Give a missed call to 9966044425 or SMS EPFOHO UAN ENG to 7738299899 from your UAN-registered mobile number to get your balance by SMS. For the full passbook, log in at the EPFO passbook portal or Member Portal (Passbook Lite) with your UAN, or use the UMANG app.
What You Need Before Checking Your PF Balance
Almost every method depends on your UAN (Universal Account Number). This 12-digit number stays the same for your whole career, even when you change jobs. You can find it on your salary slip, in your offer or joining documents, or by asking your employer.
- Activated UAN – needed for the online portals and the UMANG app.
- Mobile number registered with UAN – needed for SMS, missed call and OTP logins.
- KYC seeded with UAN – Aadhaar, PAN and bank account. For the SMS and missed-call services, at least one KYC detail must be linked; Aadhaar linking is needed for most online services.
If your Aadhaar is not handy, you can get a copy first – see our guide on how to download Aadhaar card with your mobile number.
How to Activate Your UAN
EPFO has moved UAN activation for new users to the UMANG app with Aadhaar-based face authentication, instead of the older OTP-only flow on the member portal. In the UMANG app, open the EPFO section, choose the UAN allotment/activation service, enter your Aadhaar and mobile number, and complete the face scan using the AadhaarFaceRD app. Once activated, you will receive login details by SMS.
All Ways to Check PF Balance at a Glance
| Method | Internet Needed? | What You Get | Requirement |
|---|---|---|---|
| Missed call (9966044425) | No | Latest balance and last contribution by SMS | Registered mobile + KYC seeded |
| SMS (7738299899) | No | Balance and last contribution by SMS | Registered mobile + KYC seeded |
| EPFO passbook portal | Yes | Full passbook, month-wise entries, interest | Activated UAN + password |
| Member Portal (Passbook Lite) | Yes | Summary of contributions, withdrawals, balance | Activated UAN + password |
| UMANG app | Yes | Passbook for each member ID | Registered mobile + OTP |
Method 1: Check PF Balance by Missed Call
This is the fastest method and works on any basic phone without internet.
- From the mobile number registered with your UAN, dial 9966044425.
- The call disconnects automatically after a couple of rings.
- Within a short while, you receive an SMS from EPFO with your member details, last contribution and PF balance.
The service is free because the call does not connect. If you do not get an SMS, your UAN may not be seeded with Aadhaar, PAN or a bank account, or you may be calling from a different number.
Method 2: Check PF Balance by SMS
- Open the messaging app on your UAN-registered mobile.
- Type EPFOHO UAN ENG (write the word “UAN” as it is – do not replace it with your number).
- Send it to 7738299899.
- You will get a reply SMS with your balance and latest contribution.
The last three letters set the reply language. Besides English (ENG), you can use codes such as HIN (Hindi), PUN (Punjabi), GUJ (Gujarati), MAR (Marathi), KAN (Kannada), TEL (Telugu), TAM (Tamil), MAL (Malayalam) and BEN (Bengali). For example, EPFOHO UAN HIN gives the reply in Hindi. Normal SMS charges of your operator may apply.
Method 3: Check PF Balance Online on the EPFO Passbook Portal
For a detailed, month-by-month view, use the official passbook service.
- Go to passbook.epfindia.gov.in.
- Enter your UAN, password and the captcha, then verify with the OTP sent to your registered mobile if asked.
- Select the Member ID you want to view. Each employer gives you a separate member ID under the same UAN.
- Your passbook opens with the employee share, employer share, pension (EPS) contribution and interest credited. You can download it as a PDF.
Updates to the passbook can take some time after your employer deposits the monthly contribution, so a recent month may not show immediately.
Method 4: Passbook Lite on the EPFO Member Portal
EPFO introduced Passbook Lite inside the Member e-Sewa portal so members can see a quick summary without logging in to a separate passbook site.
- Visit the EPFO Member e-Sewa portal (unifiedportal-mem.epfindia.gov.in) – you can reach it from the official EPFO website under Services → For Employees.
- Log in with your UAN, password and captcha.
- Open the View menu and choose Passbook Lite.
- See a summary of contributions, withdrawals and your current balance.
The same portal also lets you update KYC, view service history, file claims and track claim status, so it is worth keeping your login active.
Method 5: Check PF Balance on the UMANG App
UMANG is the government’s official app for many central and state services, including EPFO.
- Install the UMANG app from the Play Store or App Store, or use web.umang.gov.in.
- Register or log in with your mobile number and OTP.
- Search for EPFO and open Employee Centric Services.
- Tap View Passbook, enter your UAN and verify the OTP sent to your UAN-registered mobile.
- Select the member ID to see the passbook and balance.
Apps sometimes slow down during heavy traffic, for example when interest is being credited. If UMANG does not load, the missed-call or SMS method is a good backup.
How to Check PF Balance Without UAN
There is no reliable way to see your detailed balance without a UAN. If you do not know it:
- Check your salary slip or ask your HR/payroll team.
- Use the “Know your UAN” option on the Member e-Sewa portal with your registered mobile and Aadhaar details.
- Call the EPFO toll-free helpline 1800-118-005 for help (check timings on the EPFO website).
If your company runs its own exempted PF trust, your balance is maintained by that trust, not on the EPFO passbook. In that case, ask your employer for the trust’s statement or portal.
Understanding Your PF Passbook
- Employee share: usually 12% of basic pay plus dearness allowance, deducted from your salary.
- Employer share: the employer also contributes 12%, but part of it (8.33%, subject to the wage ceiling) goes to the Employees’ Pension Scheme (EPS). Only the rest goes to your EPF account.
- Pension contribution: shown separately; this builds your pension and is not part of the EPF balance you can withdraw like savings.
- Interest: credited once a year. The rate is declared by EPFO and notified by the government; for 2025-26 it was 8.25%. The rate can change every year.
Common Problems and Fixes
No SMS After Missed Call
Make sure you are calling from the registered mobile and that at least one KYC detail is approved against your UAN. Log in to the Member Portal and check the KYC section; if something is pending, ask your employer to approve it.
Passbook Not Showing Recent Months
Your employer must file the monthly return (ECR) and deposit the contribution. If several months are missing, ask HR whether the deposits were made. Repeated non-deposit can be raised as a grievance on EPFiGMS.
Old Employer’s Balance Not Visible
Each job may show as a separate member ID. If you had two UANs by mistake, or your old account was not transferred, use the “One Member – One EPF Account” transfer option on the Member Portal. When PF is finally withdrawn, the money reaches your bank through electronic transfer – read what NEFT is to understand how such payments are credited.
Forgot Password
Click “Forgot Password” on the Member Portal, enter your UAN and captcha, and reset it with an OTP sent to your registered mobile.
How to Link KYC With Your UAN
Most balance-check problems disappear once your KYC is complete. Linking also makes claims and transfers smoother later.
- Log in to the EPFO Member e-Sewa portal with your UAN and password.
- Go to Manage → KYC.
- Tick the document you want to add – bank account (with IFSC), PAN or Aadhaar – and enter the details exactly as they appear on the document.
- Save. The request then goes to your employer for digital approval, and the status changes to approved once they verify it.
Make sure your name, date of birth and gender in EPFO records match your Aadhaar. A mismatch is one of the most common reasons for KYC rejection. If details differ, a correction request has to be raised through the Member Portal and approved by the employer.
Safety Tips
- Use only official sites ending in epfindia.gov.in and the official UMANG app.
- EPFO never asks for your password, OTP or bank details on a phone call, WhatsApp or SMS.
- Avoid random “PF balance check” apps and agents who promise faster withdrawals for a fee.
- If you switch to freelance or work-from-home jobs, keep track of your old PF account so it does not go inactive or get forgotten.
Frequently Asked Questions
What is the missed call number to check PF balance?
The EPFO missed-call number is 9966044425. Call it from your UAN-registered mobile; the call cuts automatically and you receive your balance by SMS. Your UAN must be seeded with KYC such as Aadhaar, PAN or bank account.
How do I check PF balance by SMS?
Send EPFOHO UAN ENG to 7738299899 from your registered mobile number. Replace ENG with a code like HIN for a reply in Hindi. You will get your latest balance and contribution details by SMS.
Can I check my PF balance without internet?
Yes. Both the missed-call and SMS methods work on a basic phone without internet. You only need the mobile number linked to your UAN.
Why is my PF balance not updated?
Your passbook updates only after your employer files the monthly return and deposits the contribution. Interest for the year is credited once it is notified, which can take a few months. If entries stay missing for long, contact HR or file a grievance on EPFiGMS.
Is the pension (EPS) amount included in my PF balance?
The passbook shows the pension contribution separately. The EPF balance (employee share plus employer’s EPF share plus interest) is different from the EPS pension amount, which follows separate withdrawal and pension rules.
What is the current EPF interest rate?
EPFO declared 8.25% interest for 2025-26, and the government ratified it in June 2026. The rate is reviewed every year, so check the EPFO website for the latest figure.
Which is the EPFO helpline number?
The EPFO toll-free helpline is 1800-118-005. For written complaints, use the EPFiGMS grievance portal linked from the official EPFO website.
Final Thoughts
Checking your PF balance takes less than a minute once your UAN is active and your KYC is linked. Use the missed call or SMS for a quick look, and the passbook portal, Passbook Lite or UMANG when you need month-wise details. Checking a few times a year helps you spot missing employer deposits early and keeps your retirement savings on track.
