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EPF is among the most reliable retirement-saving schemes for salaried employees in India. A certain percentage of your salary goes to your PF account every month, which helps to create a strong foundation for future finances.
To know the details of your PF, using the EPFO portal and UMANG app is more common, but many would want to explore faster ways to check their PF balance without needing to enter their password or log in.
Fortunately, EPFO offers various easy ways for you to check your PF balance instantly without having to go through the logging process. These alternatives will be very helpful in case you are on mobile or forget your credentials.
The EPFO’s SMS facility is the most reliable and easiest way of getting your PF balance without having to log in to any portal. All that is required is an active UAN that is linked with your Aadhaar, PAN, and bank account.
You simply need to send an SMS to 7738299899 in the format-EPFOHO UAN ENG. Here, ‘ENG’ stands for English, which you can choose as your preferred language by using the corresponding code. The multiple languages one can choose from are Hindi, Tamil, Telugu, or Bengali.
Once you send a message, you get a message that includes details such as your updated PF balance, the latest monthly contribution made by your employer, and other necessary information associated with your UAN. This works on even basic feature phones and can be used when there is no internet.
Also Read: How to Withdraw PF Amount Online: Step-by-Step Guide
Other than that, the hassle-free missed call service can also help you check your PF balance instantly without logging in. To access this facility, you just need to give a missed call at 9966044425 from your registered mobile number.
It will automatically disconnect the call, and within a few seconds, you will receive an SMS stating the balance of your PF account and its contribution history. This is absolutely free and very convenient for users looking for a quick solution that requires no access to internet access. But this facility works only when your mobile number is updated in the EPFO records.
The UMANG application also enables you to check your PF balance with OTP verification without logging in with a password, integrating multiple government services into one platform. After opening the app, go to EPFO > Employee Centric Services > View Passbook.
Enter your UAN, and an OTP will be sent to your registered mobile number for authentication. Once verified, the details of your PF passbook and balance will show up in an instant. This method offers a secure, user-friendly balance check without requiring your EPFO password.
EPFO has facilitated WhatsApp-based helpline services across different regions, which further makes checking the PF balance much easier. To use this facility, one can save the regional EPFO WhatsApp helpline number and send a simple ‘Hi’ message. The automated system would then display several options, of which the balance inquiry is one.
After selecting the relevant option and verifying your identity through OTP, you will receive your PF balance right within the chat. This will combine the convenience of instant messaging with quick access to important information.
Also Read: How to Easily Transfer Your PF Online: A Quick Guide
If you want to make a manual calculation of your PF balance, it's good to know the contribution structure. Every month, an employee contributes 12% of the basic salary plus dearness allowance, and the employer adds another 12%. Of the employer's contribution, 3.67% goes to EPF, and 8.33% accrues to EPS.
Suppose your basic salary is Rs. 20,000; your contribution will be Rs. 2,400, and the employer's EPF will be Rs. 734. Adding both gives Rs. 3,134 as the total EPF deposit per month. To make a rough estimate of your balance, calculate the total contribution made in months and add the interest at the EPF annual rate, which is revised every year.
How can I check my PF balance without logging into the EPFO portal?
You can check via SMS, missed call, UMANG OTP, or WhatsApp helpline using your registered mobile number and UAN.
Is it necessary to have an active UAN to check PF balance without login?
Yes, an active UAN linked with Aadhaar, PAN, and bank account is required for SMS, missed call, UMANG, and WhatsApp methods.
Can I check my PF balance using a feature phone?
Yes, SMS and missed call facilities work on basic feature phones and don’t require internet access or smartphone apps.
How do I manually calculate my PF balance?
Add your monthly employee contribution (12% of basic+DA) and employer’s EPF portion (3.67% of basic+DA), then include interest earned annually.
What languages are available to check PF balance via SMS?
EPFO supports multiple languages such as English, Hindi, Tamil, Telugu, and Bengali, using the respective language code in the SMS request.
