PF Balance Check 2026: 5 Ways to Check EPF Balance Online & Offline

EPFO members can check their PF balance through various methods that are through EPFO portal, using UMANG app, through missed call or SMS services, or through their DigiLocker facility. However, members have to make sure that they have activated their UAN and have linked their KYC. Therefore, EPF balance check can be done both through online and offline methods. 

PF Balance Check Methods: Quick Reference Table

Method	UAN Required	Internet Required	Estimated Time
EPFO Portal	Yes	Yes	2 min
UMANG App	Yes	Yes	2 min
Missed Call	Yes	No	Instant
SMS	Yes	No	Instant
DigiLocker	Yes	Yes	3 min

Prerequisites Before Checking PF Balance

Before checking PF balance through online or offline methods, members should make sure to activate their Universal Account Number and have linked their KYC details. Without these, PF balance check thorugh most of the services will not be possible. 

1. How to Activate UAN

Step 1: Download the UMANG App from the Google Play Store or Apple App Store and log in using your mobile number.

Step 2: Search for “EPFO” in the app and select “UAN Services Through Face Auth”.

Step 3: Tap on “UAN Activation” to begin the process.

Step 4: Provide your 12-digit UAN, Aadhaar number, and Aadhaar-linked mobile number.

Step 5: Click on “Send OTP”, enter the OTP received on your registered mobile number, and submit.

Step 6: Complete the live face scan using your phone camera to verify identity with the UIDAI database (camera permission required).

Step 7: Once verified, your UAN will be activated, and a temporary password will be sent to your mobile via SMS.

2. How to Complete KYC (Aadhaar, PAN, Bank)

Step 1: Log in to the EPFO Member Portal using your UAN and password

Step 2: Go to “Manage” and navigate to “KYC” section 

Step 3: Add details for:

• Aadhaar (for identity verification)
• PAN (to avoid higher TDS)
• Bank Account (for claim settlement)

Step 4: Save the details and submit

Step 5: Wait for employer approval for verification

UAN activation is mandatory to access EPFO services, whereas KYC verification ensures smooth withdrawals and transfers. Without UAN activation and KYC, you cannot check PF balance, file claims, or use online facilities. 

EPFO members can use any of the following methods to check PF balance:

1. PF Balance Check through EPFO Portal

To check your EPF balance online, you must first activate your Universal Account Number (UAN). 

Step 1: Visit the EPFO Members Passbook Portal.

Step 2: Sign in using UAN, password and Captcha.

Step 3: Enter the OTP sent to your Aadhaar-linked phone number. 

Step 4: Select the relevant Member ID.

Step 5: Click on “View Passbook”

Once the passbook is visible, there will be three different columns as follows:

1. Employee Share: The contributions made by the employee
2. Employers Share: The contributions made by the employer
3. Pension Contributions (EPS): Part of employers share that goes to the pension fund. 

2. PF Balance Check through UMANG App

You can check your EPF balance on the UMANG (Unified Mobile Application for New-age Governance) app, which also allows you to file and track claims. It is necessary to register on UMANG using your UAN-linked mobile number. 

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

Step 2: Open the app, go to Services → Social Security → EPFO.

Step 3: Under ‘Employee Centric Services’, select ‘View Passbook’.

Step 4: Enter your UAN and verify using the OTP sent to your registered mobile.

Step 5: Once logged in, choose the employer account you wish to view.

Your EPF passbook with all deposits and withdrawals will be displayed, and you can download it for reference.

3. PF Balance Check through Missed Call Number

You can easily do EPF balance check by giving a missed call from your registered mobile by following the steps below:

Step 1: Give a missed call to 9966044425 from your registered mobile number.

Step 2: The call will disconnect automatically after two rings.

Step 3: You will receive an SMS containing your PF details (Member ID, Last Contribution, and Total Balance)

Note: Your UAN must be activated and seeded with your Bank Account, Aadhaar, or PAN for this to work.

4. PF Balance Check through SMS Number

SMS is one of the easiest methods for PF Balance Check. Follow the below steps for PF balance check through SMS:

Step 1: Send an SMS to 77382 99899 from your registered mobile number.

Step 2: The format should be “EPFOHO UAN ENG”

The last three letters indicate the preferred language you wish to receive the details. 

Replace 'ENG' with the code for your preferred language: HIN (Hindi), PUN (Punjabi), GUJ (Gujarati), MAR (Marathi), KAN (Kannada), TEL (Telugu), TAM (Tamil), MAL (Malayalam), or BEN (Bengali) as the facility is available in multiple languages.

5. PF Balance Check through DigiLocker

Members can also check PF balance through DigiLocker by linking their EPFO account.

Step 1: Log in to the DigiLocker app or website using your mobile number or Aadhaar

Step 2: Go to “Issued Documents” or “Search Documents”

Step 3: Search for “EPFO” services

Step 4: Select “Employee Provident Fund - Passbook”

Step 5: Enter your UAN and verify using OTP sent to your registered mobile number

Step 6: Once verified, your EPF account gets linked and documents are fetched automatically

PF Balance Check without Registered Mobile Number

You do not need a registered mobile number to check PF balance everytime. PF balance check can be done even without a registered mobile number by using UAN and password on the EPFO Member Passbook Portal. Log in with your credentials to view, download or print passbook. 

1. PF Balance Check Through Member Passbook Portal

Step 1: Visit the EPFO Member Passbook Portal 

Step 2: Log in using UAN and password

Step 3: Select the specific Member ID to view the passbook

Step 4: You will see the total employee and employer contributions

How to Check EPF Balance for Exempted Establishments?

If you tried the methods above and saw a message like "Passbook not available for this Member ID," you likely work for an Exempted Establishment. 

Employees working in exempted establishments or private trusts cannot check their EPF balance on the EPFO portal, as their PF contributions are managed by a company-run trust, not the EPFO. 

To know your PF balance, you must:

• Check your salary slips
• Access the company’s internal employee portal, or
• Contact the HR department

While the EPF is a key retirement savings tool, knowing your UAN helps track your PF account, especially during emergencies or job switches. However, in exempted setups, balance access is restricted to the employer’s trust records.

How to Download EPF Passbook

1. Through EPFO Member Portal

Step 1: Visit the EPFO Member Portal

Step 2: Log in using UAN, passwords and enter the captcha code displayed

Step 3: Click on the Member ID for which you want to download passbook 

Step 4: Click “Download as PDF” and save it

2. Through UMANG App

Step 1: Install the UMANG App on your mobile phone

Step 2: Navigate to EPFO and select "Employee Centric Services"

Step 3: Click on “View Passbook” and enter your UAN

Step 4: Enter the OTP sent to your registered mobile number and verify

Step 5: Select your Member ID and download passbook

3. Through DigiLocker

Members can also view and download their EPFO passbook from DigiLocker through the following steps:

Step 1: Navigate to “Issued Documents” in DigiLocker

Step 2: Select the EPF Passbook document

Step 3: View your balance, contributions, and interest details

Step 4: Click on Download to save the passbook as a PDF 

Why Can't I Check My Balance?

If you are facing issues while checking PF Balance, one of the below might be the issue.

• Mobile Number Not Registered: The missed call or SMS facility only works if you use it from the number linked to your UAN. If you changed your number, update it on the EPFO portal profile. 
• UAN Not Activated: Even if you have a UAN number on your payslip, it doesn't work until you activate it online so make sure to activate your UAN.
• Mismatch in Details: If your Aadhaar name does not match your PF account name, your KYC will fail, and online services may be blocked. You will need to file a "Joint Declaration Form" to fix this.
• Passbook Not Available: This usually happens for two reasons: 
  1. You are an "Exempted" employee.
  2. You registered or activated your UAN less than 6 hours ago. Wait for 24 hours after registering or activating UAN.

EPF Balance Transfer

You can transfer EPF online while changing jobs by logging into the EPFO Member Portal using your UAN. Users will require an active UAN, registered mobile number, approved e-KYC, and both employers details registered with EPFO. 

Key Takeaways

Conclusion

Regularly checking your EPF balance helps you track your savings, interest, and contributions, making it an essential part of financial planning. With digital services, checking your EPF balance has become quick and convenient. You can easily do it through the EPFO portal, UMANG app, missed call, or SMS, with or without a UAN.

Related Articles:
1. How to Transfer PF Online?
2. How to Link Aadhaar with UAN?