If you are working in a private company, a portion of your salary may be deposited into your Employees’ Provident Fund (EPF) account every month. Your employer also contributes towards your provident fund and pension benefits.
But have you ever checked how much money has actually accumulated in your PF account?
The good news is that you don’t need to visit an EPFO office or even have an internet connection to check your PF balance. The Employees’ Provident Fund Organisation (EPFO) provides official services that allow eligible members to check their PF balance using a registered mobile number.
In this guide, we will explain how to check your PF balance through a missed call, SMS, the UMANG app and the EPFO website. We will also cover what to do if you don’t know your UAN number and how to claim your PF money.
1. How to Check PF Balance by Missed Call
This is probably the easiest method, especially if you use a basic mobile phone or don’t want to log in to a website.
EPFO provides a missed-call service for checking PF account details.
Official EPFO missed-call number: 9966044425
Follow these steps:
Open the phone dialer on your mobile.
Dial 9966044425 from your EPFO-registered mobile number.
Allow the call to ring. It should disconnect automatically after approximately two rings.
EPFO will send an SMS containing your available PF account information if you meet the service requirements.
Check the message for your latest PF contribution and available balance.
The missed-call service is free, and you don’t need to enter your UAN manually.
Important: Your mobile number must be registered with an activated UAN. At least one of your bank account details, Aadhaar or PAN must also be linked to your UAN for the balance enquiry facility.
If you call from another mobile number, the service may not return your account details.
2. Check PF Balance by Sending an SMS
Another convenient method is checking your PF balance through an ordinary text message.
Official EPFO SMS number: 7738299899
Here is how you can check your balance:
Open the Messages app on your mobile.
Create a new message.
Type the following text exactly:EPFOHO UAN
Send the message to 7738299899.
Check the reply from EPFO for your latest available PF balance and contribution details.
You must send the SMS from the mobile number registered with your activated UAN. Standard SMS charges may apply depending on your mobile plan.
Can I Receive PF Balance Details in Hindi?
Yes. EPFO supports several Indian languages, including Hindi, Gujarati, Marathi, Punjabi and Tamil.
For example, to receive information in Hindi, send:
EPFOHO UAN HIN
For Gujarati, send:
EPFOHO UAN GUJ
English is the default language if you don’t add a language code.
One important thing to understand is that the word UAN in the SMS format is literal. You don’t need to replace it with your actual 12-digit UAN number.
3. How to Check PF Balance Through the UMANG App
If you have a smartphone, the UMANG app is another useful option. It provides access to several government services, including EPFO facilities.
Steps to check PF balance:
Download the official UMANG app from the Google Play Store or Apple App Store.
Open the application and complete the required registration or login.
Search for EPFO in the available government services.
Open the relevant employee services and choose the passbook option.
Enter your UAN and complete the required authentication using the registered mobile number.
Select your PF account to view the available contribution and balance information.
One advantage of using UMANG is that you can also access other EPFO services, including claim-related facilities, from the same application.
4. Check Your Complete PF Balance on the EPFO Website
A missed call or SMS is useful when you only need a quick balance update. However, if you want to check whether your employer has deposited the correct amount every month, your PF passbook is more helpful.
Select the relevant Member ID or PF account, where required.
Open the passbook to review your available transaction details.
Your passbook can show employee contributions, employer contributions, interest entries and withdrawals.
A useful tip: Compare your PF passbook with your salary slips occasionally. If PF is deducted from your salary but the corresponding deposit does not appear, first check whether the contribution has been posted for that wage month.
A temporary delay in updating the passbook does not automatically mean your employer has failed to deposit the amount. However, persistent missing contributions should be investigated.
5. How to Check PF Balance Without a UAN Number
Many employees don’t remember their Universal Account Number (UAN). Some may have worked in several companies and never received their UAN details.
The important distinction is this: You may be able to check your balance without entering or remembering your UAN, but an activated UAN linked to your mobile number is still required for EPFO’s SMS and missed-call services.
If you have forgotten your UAN, try these options.
Enter the requested identification and personal details.
Complete the verification process using the available mobile OTP facility.
Retrieve your UAN if the details match EPFO records.
You can also check old salary slips, joining documents or previous employer records. Many companies mention the UAN on monthly payslips.
Method 2: Ask Your Employer
If you cannot retrieve your UAN online, contact your company’s HR or payroll department and request your PF Member ID and UAN details.
What if You Have Never Activated Your UAN?
EPFO now provides UAN generation and activation through Aadhaar-based face authentication on the UMANG app.
Open UMANG, find EPFO services, and select the appropriate UAN Allotment and Activation or UAN Activation option under the face-authentication services.
You may need Aadhaar-linked mobile verification and the Aadhaar Face RD application.
Once your account is activated and the required details are correctly linked, you can use eligible PF balance enquiry services.
6. How to Claim or Withdraw PF Money Online
Checking your balance and withdrawing your PF money are two different services.
You cannot withdraw money simply by sending an SMS or giving a missed call. To claim your PF, you must follow the official EPFO claim procedure and satisfy the applicable eligibility requirements.
Check that your Aadhaar and bank account details are correctly linked and verified.
Open Online Services and select the claim option.
Verify the bank account details shown on the screen.
Choose the appropriate claim type, such as PF advance or final settlement, depending on your eligibility.
Enter the requested information and complete the Aadhaar OTP authentication.
Submit the claim and save the acknowledgement or claim reference number.
You can check your claim status using EPFO’s online claim tracking services.
Which PF Claim Form Should You Select?
Form
Purpose
Form 19
Final PF settlement when eligible
Form 31
Partial PF withdrawal or advance
Form 10C
EPS withdrawal benefit or scheme certificate, as applicable
Form 10D
Monthly pension claim when eligible
How Much PF Can You Withdraw?
EPFO announced important changes to its withdrawal framework in October 2025.
Under the revised framework, eligible members can access up to 75% of their PF balance in specified circumstances, subject to the applicable rules. The framework also introduced a uniform 12-month minimum service requirement for partial withdrawal categories.
For unemployment, the government clarified that 75% of the PF balance can be withdrawn immediately, while the remaining 25% becomes available after 12 months. Full withdrawal is also permitted in certain other qualifying circumstances, such as retirement or permanent disability.
The amount you can actually claim depends on your employment status, service history, claim category and current EPFO eligibility rules.
Sometimes, employees follow the correct steps but receive no response or cannot view their PF balance.
Before assuming something is wrong with your PF account, check a few common issues:
Mobile number mismatch: Make sure you are using the number registered with your UAN.
UAN not activated: Complete UAN activation through the official UMANG facility.
Incomplete KYC: Check that the necessary identity and bank details are linked and verified.
Recent PF deposit: Allow for processing and passbook updates before reporting a missing contribution.
Different PF accounts: If you have changed jobs, review the relevant Member IDs and whether your previous PF balance has been transferred.
Employees working for establishments with exempted PF trusts may need to obtain their detailed balance information from the employer’s PF trust rather than the regular EPFO passbook.
If the problem continues, you can register a grievance through the official EPFiGMS portal or contact EPFO’s helpdesk.
Frequently Asked Questions
Can I check my PF balance using only my mobile number?
You can check your PF balance through EPFO’s SMS or missed-call facility without manually entering your UAN. However, your mobile number must already be registered with an activated UAN, and the service conditions must be satisfied.
Is it possible to check PF balance without the internet?
Yes. You can use the official missed-call number 9966044425 or send EPFOHO UAN to 7738299899 from your registered mobile number.
Can I check someone else’s PF balance using their mobile number?
No. The official services are designed to protect members’ personal information. You should access only your own account using the required registered mobile number and authentication methods.
Can I withdraw PF money without knowing my UAN?
For an online claim, you generally need your UAN and the required account verification. If you have forgotten it, retrieve your UAN through the EPFO portal or contact your employer before proceeding.
Is the total PF passbook balance the same as the amount I can withdraw?
Not necessarily. Your passbook can contain different contribution details, while the amount eligible for withdrawal depends on EPFO rules. Pension-related benefits under EPS also have separate eligibility conditions.
Final Words
Checking your PF balance has become much easier. If you simply want a quick update, the missed-call service is a convenient option. For employees who prefer receiving details in Hindi or another regional language, the SMS service is useful.
However, checking your complete PF passbook regularly is a good habit, especially when you change jobs or notice differences between your salary slip and PF deposits.
Always use official EPFO services and never share your UAN password, Aadhaar OTP or bank details with unknown callers or websites promising instant PF withdrawals.
Disclaimer: This article is for general informational purposes. PF withdrawal eligibility, portal procedures and service availability may change. Always refer to the official EPFO website for the latest instructions before submitting a claim.
