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Compliance guide

How to Check Your PF Balance Online, by SMS and on UMANG

You can check your provident fund balance in minutes once your UAN is activated and linked to your KYC. There are four common methods, and all show the same passbook data maintained by the EPFO.

EPFO member passbook

Log in at the EPFO passbook portal with your UAN and password to see the full passbook: employee and employer contributions, pension share and interest, member by member.

UMANG app

Open the UMANG app, go to EPFO, then Employee Centric Services, and select View Passbook. Log in with your UAN and the OTP to view the balance on your phone.

Missed call

Give a missed call to the EPFO's registered number from your UAN-linked mobile. You receive an SMS with your latest PF balance and last contribution.

SMS service

Send an SMS in the format EPFOHO UAN followed by your language code to the EPFO number from your registered mobile to get the balance by return message.

If the passbook is not visible

A new UAN can take a few days after the first contribution to show a passbook. Confirm your KYC is approved and that at least one ECR has been filed against your UAN.

Frequently asked questions

Do I need the UAN to check PF balance?

Yes, all methods rely on an activated UAN linked to your mobile number and KYC.

Why is my employer contribution lower than mine?

Part of the employer's 12% goes to the pension fund (EPS), so the amount credited to your PF from the employer can look smaller than your own 12%.

This guide explains the general process under Indian law and uses established statutory figures. Rules and portals change and some details are state-specific, so confirm the current requirement on the official government portal before you act.

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