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—epf-balance-check-2026 [2026/06/03 17:01] (current) – created - external edit 127.0.0.1
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 +{{htmlmetatags>metatag-title=(How to Check EPF / PF Balance Online 2026 India)&metatag-description=(Check your EPF balance in 2026 four ways: EPFO passbook portal, UMANG app, missed call and SMS. Step-by-step guide for any UAN-linked Indian worker today)&metatag-keywords=(epf balance check, pf balance online, epfo passbook, check pf balance umang, uan balance sms)}}
 +====== How to Check Your EPF / PF Balance Online (India, 2026) ======
 +
 +**Quick answer.** You can check your EPF (भविष्य निधि) balance four ways: the EPFO [[https://passbook.epfindia.gov.in/|member passbook portal]], the UMANG app, a missed call, or an SMS. All four need an activated UAN linked to your mobile number.
 +
 +**If you are short on time:** jump straight to [[#how_to_check_epf_balance|How to check EPF balance]] and pick the method that suits you.
 +
 +===== On this page =====
 +  * What your EPF balance shows
 +  * How to check EPF balance (4 methods)
 +  * 4 ways at a glance, and details you may need
 +  * If your balance looks wrong or is not deposited
 +  * Safety warnings
 +  * Frequently asked questions
 +  * Related guides
 +  * Official sources
 +
 +<WRAP center round box 90%>
 +**Quick summary**
 +
 +  * **Authority:** Employees' Provident Fund Organisation (EPFO).
 +  * **Portal:** passbook.epfindia.gov.in
 +  * **What you need:** an activated UAN and a UAN-linked mobile number.
 +  * **Four methods:** passbook portal, UMANG app, missed call, SMS.
 +  * **Safety:** every method is free. Never share your UAN password or OTP with anyone.
 +</WRAP>
 +
 +===== What your EPF balance shows =====
 +
 +Your EPF balance is the total money saved in your Provident Fund account. It adds up three things over your working years.
 +
 +  * Your own monthly contribution as the employee.
 +  * Your employer's matching contribution.
 +  * The yearly interest EPFO credits on the balance.
 +
 +Every salaried member has a Universal Account Number (UAN). The UAN ties all your PF accounts together, even across different jobs.
 +
 +To see your balance online, your UAN must be **activated** and seeded with KYC. KYC means at least one of your Aadhaar, PAN, or bank account is linked to the UAN.
 +
 +Checking your **balance** is different from tracking a **claim**. A balance check shows your savings. A claim status check shows whether a withdrawal or transfer request is being processed. For claims, see the separate guide linked below.
 +
 +===== How to check EPF balance =====
 +
 +==== Step 1 — EPFO passbook portal ====
 +
 +This is the most detailed method and shows your full contribution history.
 +
 +  - Open the EPFO passbook portal at [[https://passbook.epfindia.gov.in/|passbook.epfindia.gov.in]].
 +  - Log in with your UAN and password, then enter the captcha shown.
 +  - Select your Member ID from the list.
 +  - View your passbook on screen, or download it as a PDF for your records.
 +
 +==== Step 2 — UMANG app ====
 +
 +UMANG is the government's official mobile app for many citizen services, including EPFO.
 +
 +  - Install the UMANG app from your phone's official app store.
 +  - Search for **EPFO**, then open **Employee Centric Services**.
 +  - Tap **View Passbook** and enter your UAN.
 +  - Enter the OTP sent to your UAN-linked mobile to open your passbook.
 +
 +You can also raise a claim through UMANG, but that is a separate task from checking your balance.
 +
 +==== Step 3 — Missed call ====
 +
 +This is the fastest check and needs no internet. Give a missed call to **9966044425** from your UAN-registered mobile number.
 +
 +The call disconnects automatically after two rings, and the service is free. EPFO then sends your last contribution and PF balance by SMS. Your UAN must be activated and seeded with at least one KYC: bank account, Aadhaar, or PAN.
 +
 +==== Step 4 — SMS ====
 +
 +You can also pull your balance by SMS from your registered mobile number.
 +
 +Send **EPFOHO UAN** to **7738299899**. EPFO replies with your last PF contribution, balance, and available KYC details.
 +
 +The service works in ten languages. For a language other than English, add the first three letters of that language after UAN. For example, send **EPFOHO UAN TEL** for Telugu or **EPFOHO UAN HIN** for Hindi.
 +
 +===== 4 ways at a glance, and details you may need =====
 +
 +^ Method ^ How ^ Internet needed? ^
 +| Passbook portal | Log in at passbook.epfindia.gov.in with UAN | Yes |
 +| UMANG app | View Passbook, verify with OTP | Yes |
 +| Missed call | Call 9966044425 from registered mobile | No |
 +| SMS | Send EPFOHO UAN to 7738299899 | No |
 +
 +^ Detail ^ Why it matters ^
 +| Activated UAN | Required for every method |
 +| UAN-linked mobile | Receives OTP, missed-call reply, SMS reply |
 +| KYC seeded | Aadhaar, PAN, or bank account needed for balance |
 +| UAN password | Needed only for the passbook portal login |
 +| Member ID | Identifies the PF account at a given employer |
 +
 +===== If your balance looks wrong or is not deposited =====
 +
 +First confirm you are reading the right Member ID, as old jobs show separate balances until you merge them. EPFO also takes a short time to post recent contributions, so a very recent month may not appear yet.
 +
 +If a real gap remains, your employer may not have deposited the money it deducted from your salary. This is a serious issue and you have the right to find out.
 +
 +  - Raise a grievance with EPFO and keep the reference number.
 +  - File an RTI to ask EPFO when your employer last deposited your dues.
 +  - Use our [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|RTI Drafter]] to write the application in minutes.
 +
 +See [[:rti-for-epf-employer-not-depositing|RTI for EPF when an employer is not depositing]] for the full escalation path.
 +
 +===== Safety warnings =====
 +
 +  * Every official method here is **free**. Nobody should charge you to check your balance.
 +  * **Never share** your UAN password or any OTP with a caller or website.
 +  * EPFO **never** calls or messages you asking for OTP, Aadhaar, PAN, bank, or payment.
 +  * Use only official portals such as passbook.epfindia.gov.in. Avoid look-alike sites.
 +  * If a "helper" asks for your login to check the balance for you, refuse and report it.
 +
 +===== Frequently asked questions =====
 +
 +==== Is checking my EPF balance free? ====
 +
 +Yes. All four methods are free. The passbook portal and UMANG app are free to use online. The missed call disconnects after two rings at no cost, and the SMS is charged only at your normal message rate. No agent or website should charge a fee to show you your own balance.
 +
 +==== Why can I not see my balance? ====
 +
 +The most common reason is that your UAN is not activated, or no KYC is seeded against it. You need at least one of Aadhaar, PAN, or a bank account linked to the UAN. Your mobile number must also be linked to the UAN. Fix these first, then try again after a short wait.
 +
 +==== How recent is the balance I see? ====
 +
 +It shows contributions already posted by EPFO. Very recent months can take a little time to appear after your employer files the return. If a month is missing for long, check with your employer and then escalate to EPFO.
 +
 +==== Can I check the balance without internet? ====
 +
 +Yes. The missed call to 9966044425 and the SMS to 7738299899 both work without internet. You only need your UAN-linked mobile number with KYC seeded. The passbook portal and UMANG app need internet.
 +
 +==== Is the balance check the same as claim status? ====
 +
 +No. A balance check shows your saved money. A claim status check shows whether a withdrawal or transfer request is being processed. They are separate tasks, so see the claim status guide linked below for that.
 +
 +===== Related guides =====
 +
 +  * [[:epf-pf-claim-status-check-2026|Check EPF / PF claim status online]]
 +  * [[:recover-uan-activate-epf-2026|Recover and activate your UAN]]
 +  * [[:merge-multiple-uan-epf-2026|Merge multiple UANs into one]]
 +  * [[:epfo-claim-status-rti|File an RTI on EPFO claim status]]
 +  * [[:rti-for-epf-employer-not-depositing|RTI for EPF when an employer is not depositing]]
 +  * [[:pension-status-check-2026|Check your pension status online]]
 +  * [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html|RTI Drafter]]
 +  * [[https://righttoinformation.wiki/book|The RTI Playbook]]
 +
 +===== Official sources =====
 +
 +  * EPFO Member Passbook portal — [[https://passbook.epfindia.gov.in/|passbook.epfindia.gov.in]]
 +  * EPFO Missed Call and SMS services — [[https://www.epfindia.gov.in/site_en/|epfindia.gov.in]] (missed call 9966044425; SMS EPFOHO UAN to 7738299899; Help Desk 14470)
 +  * The Right to Information Act, 2005 — §6(1) (request) and §7(1) (30-day reply).
 +
 +//Last reviewed: 2 June 2026 — RTI Wiki editorial team. Always confirm your balance on the official EPFO portal.//
 +
 +{{tag>epf-balance status-check 2026 epfo uan passbook rti}}