Saiteja
EPF balance can be checked in less than a minute without internet, using a missed call or an SMS from your UAN-registered mobile number.
Want to know how much money is in your PF account? You do not need internet or any app. Just give a missed call and you will get your EPF balance by SMS.
Table of Contents
Quick Overview
| Method | Details |
|---|---|
| Missed call | 9966044425 (from UAN-registered mobile) |
| SMS | EPFOHO UAN ENG to 7738299899 |
| Online | UMANG app or EPFO passbook website |
| Cost | Free |
Step 1: Give a Missed Call to 9966044425
From the mobile number registered with your UAN, call 9966044425. The call disconnects automatically, so there is no charge.
Step 2: Get Your PF Balance by SMS
In a short while you will get an SMS from EPFO with your member ID, last contribution and total PF balance.
Step 3: Check by SMS Instead
You can also send an SMS in this format to 7738299899:
EPFOHO <your UAN> ENG
Replace ENG with a language code like HIN or TEL if you want the reply in another supported language.
Requirements
- Your UAN must be activated
- Your Aadhaar, PAN or bank account should be linked (KYC) with UAN
- Use the mobile number registered with UAN
Full EPF Passbook
To see month-wise contributions, use the UMANG app or the official EPFO member passbook website and log in with your UAN.
EPF Balance: All 4 Ways Compared
- Missed call to 9966044425: fastest, no internet, free
- SMS EPFOHO UAN ENG to 7738299899: no internet, shows last contribution
- UMANG app: full EPF balance and passbook on your phone
- EPFO member passbook website: month-wise EPF balance and interest details
For a quick check of your EPF balance, the missed call is the easiest. For a detailed view of employer and employee share, use the passbook.
Why the EPF Balance SMS Sometimes Does Not Come
- UAN is not activated on the EPFO member portal
- Mobile number is different from the one registered with UAN
- KYC (Aadhaar, PAN or bank) is not linked or not approved by the employer
- Network issue or DND setting on your SIM
Activate UAN, link KYC and update the mobile number on the EPFO member portal. After that the EPF balance SMS usually starts working.
How to Grow Your EPF Balance Faster
- Do not withdraw PF when you change jobs. Transfer it to the new employer instead
- Use Voluntary Provident Fund (VPF) to contribute more at the same interest rate
- Check the passbook every few months to confirm the employer is depositing on time
- Keep one UAN for your whole career so all EPF balance stays in one place
Watch the Video
Understanding Your PF Account: UAN, Member ID and Interest
Many employees get confused between UAN and Member ID. Your UAN (Universal Account Number) is a single 12-digit number that stays with you for your whole career. Each employer opens a separate Member ID under the same UAN.
When you change jobs, a new Member ID is created, but the UAN stays the same. This is why it is important to transfer old PF money to the new Member ID, so all your savings stay together and keep earning interest.
- UAN: one number for life, given by EPFO
- Member ID: one for each employer, linked to UAN
- Employee share: 12% of basic pay plus DA
- Employer share: 12%, of which a part goes to the pension scheme (EPS)
Interest on provident fund savings is declared by EPFO every year and credited to your account once a year. The rate is decided by the central board and approved by the government. You can see the interest entry in your passbook after it is credited.
If you see that your employer has deducted PF from salary but the amount is not visible in your passbook for many months, first speak to your HR department. If the issue is not solved, you can raise a complaint on the EPFiGMS grievance portal of EPFO.
Checking your account regularly helps you spot such problems early and keeps your retirement savings safe.
Frequently Asked Questions
Is the missed call service free?
Yes. The call disconnects automatically, so you are not charged.
Why am I not getting the SMS?
Usually it is because the UAN is not activated, KYC is not linked, or you are calling from a number not registered with UAN.
How often is the EPF balance updated?
Your EPF balance updates when your employer files the monthly contribution. Interest is credited once a year.
Can I check EPF balance without UAN?
For the missed call and SMS service you need an activated UAN. Ask your employer for your UAN if you do not know it.
Can I withdraw PF money online?
Yes. If your UAN is active and KYC is complete, you can apply for partial or full withdrawal on the EPFO member portal or the UMANG app. The money is credited to your linked bank account after approval.
What if my mobile number is not registered with UAN?
Update it on the EPFO member portal using Aadhaar OTP, or ask your employer to help. Once the correct number is linked, the missed call and SMS services start working for you.
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- How to Check Fake Loans Taken on Your PAN Card for Free
Official source: EPFO official website. Always verify the latest rules on the official website.
Conclusion
Save the number 9966044425 in your phone and check your PF balance anytime in seconds. Share this with friends and colleagues.
Disclaimer: This article is for information purposes only. Please check the official EPFO website for the latest services.
