How to Check PF Balance in 2026: A Complete Step-by-Step Guide (Easy & Updated)

Checking your PF balance is now faster and simpler than ever. You no longer need to visit your employer or EPF office. Whether you have a UAN, a basic mobile phone, or just your Aadhaar number, there are multiple ways to check your EPF balance instantly.

What is PF and Why Should You Check PF Balance?

Provident Fund (PF) is a mandatory retirement savings scheme for salaried employees in India. A fixed amount is deducted from your salary every month, and your employer contributes too. Over time, this money grows with interest and becomes a significant retirement fund.

Checking your PF balance helps you:

• Track your retirement savings
• Know the exact balance for loans or withdrawals
• Confirm employer contribution
• Detect errors or delays
• Plan future investments

Now let’s dive into all the methods to check your PF balance.

1. How to Check PF Balance Using the EPFO Member Portal (UAN Login)

This is the most accurate and detailed method to check your PF balance.

Step-by-Step Guide:

1. Visit the official EPFO website: https://www.epfindia.gov.in
2. Click on ‘Services’ → ‘For Employees’
3. Select ‘Member Passbook’
4. Log in with your UAN and password
5. Choose your PF account number
6. Your PF balance, monthly contributions, and employer share will appear

What You Need:

• Active UAN (Universal Account Number)
• Registered mobile number
• Password for portal login

Why This Method is Best:

• Shows monthly breakup
• Shows both employer and employee contributions
• Shows interest added
• Allows you to download the PF passbook

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2. How to Check PF Balance by SMS (Without Internet)

If your mobile number is linked to your UAN, you can check PF balance by sending an SMS.

Format:

EPFOHO UAN ENG
Send it to 7738299899

Replace ENG with your language code:

• HIN = Hindi
• MAR = Marathi
• TAM = Tamil
• TEL = Telugu
• BEN = Bengali
• GUJ = Gujarati

Requirements:

• Your UAN must be activated
• Your Aadhaar/PAN must be linked with your PF account

What You Get in SMS:

• PF balance
• Last contribution
• UAN details
• KYC status

3. How to Check PF Balance by Missed Call (Completely Free)

This is the simplest method. You just need to give a missed call from your registered mobile number.

Number: 011-22901406

After 1–2 minutes, you’ll receive an SMS with:

• PF balance
• UAN details
• Last employer contribution

Who Can Use This Method:

• Users with active UAN
• Registered mobile number
• KYC completed

No internet required.

4. How to Check PF Balance Using the UMANG App

UMANG (Unified Mobile Application for New Age Governance) is an official government app that provides PF services in one place.

Steps to Check PF Balance on UMANG:

1. Download the UMANG app (Android/iOS)
2. Open the app and go to EPFO services
3. Select ‘View Passbook’
4. Log in with your UAN and OTP
5. Your passbook and PF balance will appear

Why UMANG is Helpful:

• One-tap PF balance check
• Claim status check
• PF withdrawal request
• Passbook download
• No separate login required

5. How to Check PF Passbook Online (EPFO Passbook Portal)

EPFO has a dedicated passbook website: https://passbook.epfindia.gov.in

You can check:

• Total PF balance
• Monthly contributions
• Employer’s share
• Interest credited
• Multiple PF accounts linked to one UAN

This is the official and most reliable passbook portal.

6. How to Check PF Balance Without UAN

Yes, it’s possible to check your PF balance without a UAN  but only partially.

Method 1: Using your employer

Your HR or payroll team can download your contribution details from the EPFO employer portal.

Method 2: Check status using Aadhaar on UMANG

You can check claim status using Aadhaar-based login.

But for complete PF balance details, you must activate your UAN.

7. How to Activate Your UAN (If Not Activated Yet)

If you don’t know your UAN, follow these steps:

Step-by-Step:

1. Visit the UAN activation page: https://unifiedportal-mem.epfindia.gov.in
2. Click on Activate UAN
3. Enter:
   • Aadhaar number
   • PAN
   • Mobile number
   • PF member ID
4. Validate OTP
5. Create a password and log in

Once activated, you can use all PF-related services instantly.

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8. How to Check PF Claim Status

You can check PF withdrawal, transfer, or advance status using any of these:

Methods:

• EPFO Member Portal
• UMANG app
• EPFO Claim Status page
• SMS: EPFOHO UAN
• Employer assistance

You will see whether your claim is:

• Submitted
• In process
• Approved
• Rejected
• Credited to bank

Most Common Reasons PF Balance Doesn’t Show

If you cannot check your PF balance, these may be the reasons:

• Mobile number not linked to UAN
• KYC incomplete (Aadhaar/PAN missing)
• New PF account created but not yet updated
• Server downtime on EPFO website
• Wrong password during login
• UAN not activated

Fix these to get a smooth experience.

Final Thoughts

Checking your PF balance in 2025 is quick, simple, and completely online. Whether you prefer the UAN portal, SMS, missed call, or UMANG app, you can access your retirement savings within minutes.

Make it a habit to check your balance regularly to track your contributions and ensure everything is accurate.

FAQs:

1. Can I check PF balance without UAN?
You can check claim status using Aadhaar, but full balance requires UAN activation.

2. What is the fastest way to check PF balance?
Using the EPFO Member Passbook or UMANG app.

3. Is there any charge to check PF balance?
No. All PF balance check services;  SMS, missed call, portal are completely free.

4. Can I check PF balance using Aadhaar only?
You can check claim status, but to get full balance details, link Aadhaar with your UAN.

5. Why is my PF balance not updated?
Employers may not have filed ECR for the month, or EPFO hasn’t updated contributions yet.