If you’re a salaried employee in India, your Provident Fund (PF) is one of the most important savings tools for your retirement. Knowing how to check your PF balance, download your EPF passbook, or even withdraw money from your EPF account can help you plan your finances better.
Let’s simplify it all for you! This guide will help you with everything — from checking your PF balance to understanding how to claim your provident fund.
📞 PF Balance Check Number
One of the easiest ways to check your PF balance is by giving a missed call.
Dial 9966044425 (from your registered mobile number)
You will receive an SMS with your PF balance.
Make sure your UAN is activated and linked with your bank account, Aadhaar, and PAN.
✅ This method is free and works even without internet access.
📲 PF Balance Check EPF Passbook
You can check your balance using the EPF Passbook on the EPFO portal:
Login with your UAN and password
Select your member ID to view/download your EPF passbook
📘 Your passbook will show monthly contributions from you and your employer, along with interest earned.
📱 EPF Passbook Balance Check via UMANG App
You can also check your EPF passbook balance using the UMANG app:
Download the UMANG app from Play Store or App Store
Go to EPFO section → Click on "View Passbook"
Enter your UAN and OTP
This is a user-friendly option and works great on smartphones.
🧾 Provident Fund Balance Check – Online & SMS
Here are all the official ways to check your provident fund balance:
SMS: Send EPFOHO UAN ENG to 7738299899
Missed Call: 9966044425 (as mentioned earlier)
UMANG App
EPFO Website: www.epfindia.gov.in
Change "ENG" in SMS to your regional language code (like HIN for Hindi, TAM for Tamil, etc.)
👨💼 Check Employee PF Balance
As an employee, you can check your PF balance using these details:
Your UAN (Universal Account Number)
Registered mobile number
Your EPFO portal login credentials
Don’t have your UAN? Ask your HR department or visit: https://unifiedportal-mem.epfindia.gov.in/memberinterface/
💰 Check EPF Amount – Monthly Contributions & Interest
When you log into your EPF passbook, you'll see:
Your contribution
Employer’s contribution
Interest earned
This total amount is your EPF amount, which you can claim or transfer when you change jobs.
💡 How to Claim Provident Fund
Here’s how you can claim your PF online:
Go to "Online Services" > "Claim (Form-31, 19 & 10C)"
Enter your details and submit
🔐 Make sure your KYC (Aadhaar, PAN, bank details) is updated for smooth processing.
Can I Withdraw Money from EPF Account?
Yes, you can withdraw money from your EPF account under certain conditions like:
Retirement
Unemployment (2 months or more)
Medical emergencies
Home loan repayment
Marriage or education (after 7 years of service)
Can We Withdraw Money from EPF Account Partially?
Yes, partial withdrawal is allowed for specific reasons:
Up to 90% of PF for home loan
50% for marriage or education
Medical withdrawal has no service requirement
✅ Use Form 31 for partial withdrawal on the EPFO portal.
🧭 Quick Reference Links
🚨 Beware: PF Frauds by Employers and HR
Unfortunately, PF-related frauds are common, and many employees become victims. Here’s what to watch for:
🕵️♂️ Common PF Scams by Employers:
Deducting PF from your salary but not depositing it with EPFO
Delaying UAN creation or KYC linking
Providing fake PF contribution numbers
Not showing correct basic salary to reduce PF amount
✅ How to Stay Safe:
Regularly check your PF passbook
Confirm with EPFO whether your UAN is active
Ensure your Aadhaar and PAN are linked
Use the EPFO grievance portal to report issues: https://epfigms.gov.in/
🧾 You can also raise a complaint via the PG Portal (Public Grievance): https://pgportal.gov.in/
🧠 Some usefull Tips - the scale factor by nik
Always activate your UAN as soon as you join a new job.
Link your UAN with your Aadhaar, PAN, and bank account.
Don’t depend only on your HR. Keep checking your PF balance yourself.
In case of fraud, report to EPFO immediately.
Your PF is your safety net for the future. Regularly checking your PF balance, understanding your EPF passbook, and knowing how to claim or withdraw money ensures you're always in control of your hard-earned money.
