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The Employees’ Provident Fund (EPF) acts as a saving tool. The employee and the employer contribute an equal amount towards savings that can be availed upon retirement or after switching jobs. The interest rate applicable to the EPF contributions is 8.5% for FY 2020-21.
Union Budget 2021 Outcome
In case the employee’s PF contribution was deducted but not deposited by the employer, it will not be allowed as a deduction for the employer.
To check EPF balance, make sure that the employer has activated your Universal Account Number (UAN). UAN is a unique identification number provided for all employees enrolled under the EPF scheme. All employees should have only one UAN during their working life irrespective of the companies they change. UAN is important as the entire process related to the EPF services are now operated online. Thanks to UAN, accessing your PF account services, such as withdrawal, checking EPF balance, and EPF loan application is easy.
Once your UAN number is activated, follow these steps:
Step 1: Log on to the EPFO portal. Go to the tab ‘Our Services’ and choose the option that says “for employees” from the drop-down menu.
Step 2: Now, click on the option ‘Member passbook’ under “Services.”
Step 3: A login page will appear. Enter your UAN number and password here after it has been activated.
Once you log in, you can access your EPF account.
Once the UAN is integrated with your KYC details, follow these steps:
You’ll have to set your preferred language of communication in the SMS. Just use the first three characters of your preferred language to do so. If you wish to receive updates in English, use the first three characters of the word English, i.e. EPFOHO UAN ENG.
If you want to receive the message updates in Marathi, then type in EPFOHO UAN MAR. This facility is available in English, Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, Malayalam, and Bengali.
You can inquire about your EPF balance by giving a missed call to the authorised phone from your registered mobile number. This service is only available upon the integration of your UAN with your KYC details. If you are unable to do this, you can take the help of your employer.
Once the UAN is integrated with your KYC details, follow the steps mentioned below:
Employees can check their EPF balance on their phones by downloading the Unified Mobile Application for New-age Governance (UMANG) app. Aside from checking EPF balances, the app allows you to file and track claims. Members must complete a one-time registration using their UAN-registered cellphone number to access the app.
Let’s have a look at how you can use the UMANG app to view your historical EPF transactions:
1. Instal the UMANG app and open it on your mobile phone. Click on the EPFO option.
2. Select “Employee Centric Services.”
3. The “View Passbook” option will appear on the following screen. After you click it, you’ll be prompted to input your UAN number, and the One-Time Password (OTP) provided to your registered cellphone number. You may access your EPF transactions, including withdrawals and deposits from your current and previous jobs, by clicking on ‘Login.’
Here is how you can check your PF balance without UAN:
The Employees’ Provident Fund Organisation (EPFO) has made e-nomination for PF accounts mandatory, which is a significant change. EPFO members should be aware that the organisation offers a variety of programmes, including the EPFO Provident Fund (EPF) (PF).
The e-nomination process is now complete.
PF transfer is the only process to link your old PF account to your current UAN number. Here is the step by step process:
Once you verify the OTP, your PF transfer claim will be submitted, and within 20 days, your PF amount will be transferred to your new PF account; at the same time, your old PF account details will be saved in your current UAN.
You can also check your PF balance by sending an SMS to the mobile number 7738299899. Do note that you should register your mobile number and complete the KYC on the EPFO portal. While sending an SMS, you can choose the language for communication. For example, if you choose English, you can send a text SMS as EPFOHO UAN ENG to know your account balance.