All You Need to Know About Provident Fund (PF): Balance Check, Withdrawals, and Common Frauds

 

• The scale factor by nik 

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.

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📞 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.

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📲 PF Balance Check EPF Passbook

You can check your balance using the EPF Passbook on the EPFO portal:

1. Go to: https://passbook.epfindia.gov.in
   
   

2. Login with your UAN and password
   
   

3. 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.

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📱 EPF Passbook Balance Check via UMANG App

You can also check your EPF passbook balance using the UMANG app:

1. Download the UMANG app from Play Store or App Store
   
   

2. Go to EPFO section → Click on "View Passbook"
   
   

3. Enter your UAN and OTP
   
   

This is a user-friendly option and works great on smartphones.

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🧾 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.)

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👨‍💼 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/

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💰 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.

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💡 How to Claim Provident Fund

Here’s how you can claim your PF online:

1. Log in to https://unifiedportal-mem.epfindia.gov.in/
   
   

2. Go to "Online Services" > "Claim (Form-31, 19 & 10C)"
   
   

3. Enter your details and submit
   
   

🔐 Make sure your KYC (Aadhaar, PAN, bank details) is updated for smooth processing.

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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)
  
  

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 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.

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🧭 Quick Reference Links

Service	Link
EPFO Portal	www.epfindia.gov.in
EPF Passbook	passbook.epfindia.gov.in
UAN Member Portal	unifiedportal-mem.epfindia.gov.in
UMANG App	umang.gov.in

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🚨 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:

1. Deducting PF from your salary but not depositing it with EPFO
   
   

2. Delaying UAN creation or KYC linking
   
   

3. Providing fake PF contribution numbers
   
   

4. 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/

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🧠 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.

Beyond Coding: 5 Web3 technology Careers for Non-Tech Professionals in 2025

Web3 isn’t just for coders. Discover how non-tech professionals can leverage blockchain, DAOs, and NFTs to future-proof their careers and businesses in 2025.

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Why Web3 Matters to Non-Tech Professionals

Web3 is revolutionizing industries beyond tech, creating new opportunities for marketers, project managers, consultants, and legal experts. By 2025, blockchain-powered tools will be essential across various sectors. Here’s how you can get involved—no coding required.

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Why Web3 Matters to You (Yes, You!)

The term “Web3” might conjure images of hoodie-clad developers and cryptic crypto jargon, but here’s the truth: the decentralized internet is creating more opportunities for non-tech professionals than ever before. By 2025, industries from healthcare to real estate will rely on Web3 tools—and they’ll need leaders who understand how to apply them, not just how to code them.

Whether you’re a marketer, project manager, lawyer, or entrepreneur, here’s your playbook to thrive in the Web3 era.

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1. The Web3 Primer: No Coding Required

What is Web3?

Web3 is the next evolution of the internet, built on blockchain technology, where users own their data, assets, and identities. Think of it as:

• Ownership Economy: Buy, sell, or trade digital assets (NFTs) without middlemen.

• Decentralized Communities: DAOs (Decentralized Autonomous Organizations) let groups govern projects transparently.

• Trustless Systems: Smart contracts automate agreements (e.g., paying freelancers when milestones hit).

Why Non-Tech Roles Are Critical

Web3 isn’t replacing humans—it’s empowering them. Companies need strategists, communicators, and problem-solvers to bridge the gap between tech and real-world use cases.

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2. 2025 Opportunities for Non-Tech Professionals

A. DAO Community Builders & Managers

What’s Happening: DAOs are replacing traditional corporate structures. By 2025, over 20% of organizations will use DAO-like governance.
Your Role:

• Facilitate Collaboration: Manage voting, resolve disputes, and onboard members.

• Grow Engagement: Design incentives (e.g., token rewards for participation).
  Example: Friends With Benefits, a social DAO, hires community managers to curate events and partnerships.

Actionable Step: Join a DAO in your industry (e.g., Marketing DAO) to learn governance tools like Snapshot or Discord.

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B. Web3 Content Creators & Educators

What’s Happening: Misinformation about blockchain is rampant. Demand for plain-English explainers is soaring.
Your Role:

• Demystify Concepts: Create blogs, videos, or courses on topics like “NFTs for Artists” or “DAOs for Small Businesses.”

• Monetize Expertise: Sell NFT-based memberships or token-gated content (e.g., Substack meets blockchain).
  Example: Gary Vaynerchuk educates entrepreneurs on NFT strategies through podcasts and social media.

Actionable Step: Start a LinkedIn newsletter breaking down one Web3 trend weekly (e.g., “Tokenomics 101”).

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C. Project Managers for Web3 Startups

What’s Happening: Web3 projects fail due to poor execution, not ideas.
Your Role:

• Coordinate Teams: Manage developers, designers, and marketers in decentralized teams.

• Ensure Compliance: Navigate regulatory gray areas (e.g., data privacy in blockchain).
  Example: Chainlink hires project managers to oversee oracle network integrations for enterprises.

Actionable Step: Learn Web3 project tools like Dework (a Trello-like platform for DAOs).

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D. Web3 Consultants for Traditional Businesses

What’s Happening: Legacy companies (e.g., Walmart, Nike) are adopting NFTs and blockchain but lack internal expertise.
Your Role:

• Audit Opportunities: Identify use cases (e.g., supply chain tracking, loyalty programs).

• Implement Solutions: Partner with devs to integrate wallets or token systems.
  Example: Deloitte offers blockchain consulting to healthcare and logistics firms.

Actionable Step: Take a certification like Blockchain Council’s Certified Web3 Consultant.

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E. Legal & Compliance Experts

What’s Happening: Governments are scrambling to regulate NFTs, DAOs, and DeFi.
Your Role:

• Navigate Regulations: Advise on tax implications, intellectual property (e.g., NFT copyrights), and cross-border compliance.

• Draft Smart Contracts: Work with devs to encode legal terms into blockchain code.
  Example: Law firms like Hogan Lovells have dedicated blockchain practice groups.

Actionable Step: Study the EU’s MiCA (Markets in Crypto-Assets) framework launching in 2024.

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3. Challenges (And How to Overcome Them)

• Skill Gaps: Upskill via free resources (e.g., Coinbase Learn).

• Volatility: Focus on stable, utility-driven projects (e.g., enterprise blockchain vs. meme coins).

• Trust Issues: Build credibility by contributing to open-source Web3 communities.

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4. How to Prepare Now for 2025

1. Experiment: Buy an NFT, join a DAO, or try a blockchain-based app like Brave Browser.

2. Network: Attend Web3 meetups (virtual or IRL) on Meetup.com.

3. Stay Curious: Follow thought leaders like Linda Xie (ex-Coinbase) or Packy McCormick.

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Conclusion: The Future is Decentralized (And Yours to Shape)

Web3 isn’t a passing trend—it’s a fundamental shift in how we work, create, and collaborate. By 2025, professionals who understand its principles will lead industries, build communities, and redefine value.

Your Move: Start small. Pick one opportunity, dive in, and remember: You don’t need to code to thrive in Web3. You just need curiosity and grit.