Title: A Step-by-Step Guide to Checking Your EPFO Account Balance
Introduction:
Welcome to our latest blog post, where we'll walk you through the process of checking your EPFO (Employees' Provident Fund Organization) account balance. As a crucial retirement savings platform for Indian employees, it's essential to stay updated on your EPF balance. In this guide, we'll provide you with a detailed, step-by-step explanation of how to check your EPFO account balance.
HOW TO CHECK PF BALANCE
As an employee, no matter which industry or sector you work in, timely and thoughtful financial planning is absolutely essential for developing profitable investment strategies and meeting your monetary goals. There is no shortage of financial instruments meant to serve specific purposes, but when it comes to long-term retirement savings, the PF, provident fund or EPF remains a highly sought-after tool. While most Indians admire the relevance of PF, there seems to be a lack of clarity around PF account balance and employees' provident fund balance checks.
Let's define a PF account, understand how to check EPF balance and how to check provident fund balance online. We'll explore the EPF portal, UMANG App, UAN, and the possibility of a PF balance check with the UAN number plus the PF missed call number.
Key Takeaways?
PF or EPF is a fairly admired compulsory social security arrangement from the government.
A universal account number, or UAN, is the key identification component that brings uniformity.
Techniques for revealing the PF balance with or without UAN include online, app-based, physical, and mobile phone options.
A list of prerequisites ranges from UAN plus mobile contact registration and activation to linking UAN with your KYC details.
What is a PF Account?
A PF or provident fund account, technically called 'An Employee Provident Fund' account, can be best described as a GOI-backed mandatory social security and long-term savings scheme for salaried employees in the country. Managed by the Ministry of Labour & Employment's Employees Provident Fund Organization (EPFO), it allows employers and employees to equally contribute towards a savings corpus that can be availed after switching jobs or upon retirement.
What is the UAN Number?
The 12-digit universal account number, or UAN, is a unique identification issued by the Employees' Provident Fund Organisation or EPFO to all Indian employees contributing to the Employees' Provident Fund or EPF. It is disseminated through the employers and remains the same throughout every employee's working journey, irrespective of the job changes. The UAN performs as an umbrella covering multiple member IDs allotted to individuals by various establishments.
PF Balance Check without UAN
Check PF Balance Official EPFO Website
Your UAN must be activated and duly registered on the EPFO website.
Step 1: Visit to the EPFO portal.
Step 2: Click 'Services' on the Home page top menu.
EPFO Services tab
Step 3: Select 'For Employees.'
EPFO portal for employeees
Step 4: On the fresh page, click 'Member Passbook.'
EPFO Pass book
Step 5: Now enter your UAN number and password.
EPFO login and password screen
Step 6: Sign in.
Step 7: Enter the OTP (one-time password) received on your Aadhaar-linked mobile number.
Step 8: Click 'Verify' to view your PF balance.
Check EPF Account Balance Using “Umang” Mobile App
Download and install the Unified Mobile Application for New-age Governance (UMANG) app on your mobile.
Step 1: Complete one-time registration.
Step 2: Login utilizing your UAN-linked mobile.
Step 3: Select ‘Employee Centric Services’.
Step 4: Click on ‘View Passbook’.
Step 5: Enter the UAN and OTP.
Step 6: Click 'Submit' to view your EPF balance.
PF Balance Check without UAN
PF Balance Check with Mobile Number
Call from your registered mobile without any charges.
Step 1: Give a missed call to the PF balance enquiry number 099 660 444 25.
Step 2: The call gets disconnected after two rings.
Step 3: Receive an SMS with the PF balance and last contribution details.
PF Balance Check by Sending an SMS
Compose and share a text message.
Step 1: Decide on the preferred language.
Step 2: Be mindful of the last three letters of the text message to be sent.
Step 3: Understand that the last three letters reflect your chosen language.
Step 4: Write a message in the format 'EPFOHO UAN ENG' if the English language is opted as a mode of communication.
Step 5: Send the SMS to 773 829 98 99.
Step 6: View your PF balance as a response.
The SMS facility can be availed in the following languages: English (ENG), Hindi (HIN), Punjabi (PUN), Gujarati (GUJ), Marathi (MAR), Kannada (KAN), Telugu (TEL), Tamil (TAM), Malayalam (MAL) and Bengali (BEN).
Other Methods for Employees' Provident Fund Balance Check
Via Employer, HR or Payroll Department
The route can also be utilized for private trusts and exempted establishments.
Step 1: Raise a request with the HR division.
Step 2: Reach out to the company's employee portal.
Step 3: Know your EPF balance.
Through PF Account Number (Offline Mode)
A visit to the EPFO office.
Step 1: Contact your nearest local EPFO regional office.
Step 2: Present a valid ID.
Step 3: Know your PF balance.
Key Requirements for Checking PF Balance
There are ample options to check your EPF balance. Be it with or without UAN, via the EPFO website or the UMANG app, through your mobile missed call or message, by reaching out to HR, or simply going to the physical premises. That said, the following criteria should be considered before attempting to check the PF balance:
Via EPFO Portal: The UAN should be registered and activated on the EPFO portal.
Via UMANG App: Your mobile number must be linked to the UAN.
Through Missed Calls & Sending SMS: The mobile number should be registered with UAN, and the activated UAN must be linked to your PAN, Aadhaar, and bank account.
Conclusion:
Staying informed about your EPFO account balance is a crucial aspect of managing your financial future. By following these simple steps, you can easily access and review your EPF account balance through the official EPFO portal. Remember to periodically check your balance to ensure you're on track to meet your retirement savings goals. If you have any questions or concerns, don't hesitate to reach out to the EPFO's customer service for assistance. Happy saving!
(Note: This guide is based on information available as of September 2021. For the most up-to-date instructions, please refer to the official EPFO website.)