How to Check PF Balance Online – Complete Step-by-Step Guide (2026)

Checking your PF balance (Provident Fund balance) is one of the most important things every salaried employee in India should know. Your EPF account is not just a savings tool but also a long-term financial safety net. The good news? You can check your PF balance online, by SMS, missed call, mobile app, or passbook—without visiting any office.

This detailed guide explains all methods to check PF balance, common problems, solutions, and FAQs, written in a simple, Google-friendly way to help you rank better and stay future-proof.

How to Check PF Balance Online

What is PF (Provident Fund)?

How to Check PF Balance Online

Employee Provident Fund (EPF) is a government-backed retirement savings scheme managed by Employees’ Provident Fund Organisation.
Both employee and employer contribute 12% of the basic salary every month, which earns interest and can be withdrawn under specific conditions.

Details Required to Check PF Balance

Before checking your PF balance, ensure you have:

UAN (Universal Account Number)
Registered mobile number with UAN
Active UAN (KYC verified)
Internet connection (for online methods)

Method 1: Check PF Balance Online Using UAN Portal

This is the most reliable and detailed method.

Step-by-Step Process

Visit the official EPFO member portal
Click on Member Login
Enter your UAN, password, and captcha
Login and select View → Passbook
Choose your employer to see the PF balance

Benefits

Shows employer & employee contribution
Displays interest earned
Downloadable statement

SEO Keywords used:
check PF balance online, UAN PF balance check, EPF balance login

Method 2: Check PF Balance by Missed Call

This is the fastest method—no internet needed.

Steps

Call 011-22901406 from your registered mobile number
The call disconnects automatically
You’ll receive an SMS with your PF balance

Important Conditions

UAN must be active
Mobile number linked with UAN
At least one KYC (Aadhaar/PAN/Bank) approved

Method 3: Check PF Balance via SMS

Format

Send SMS to 7738299899

Message:
EPFOHO UAN

You’ll receive PF details in your preferred language.

Supported Languages:
English, Hindi, Tamil, Telugu, Bengali, Marathi, and more.

Method 4: Check PF Balance Using UMANG App

Check PF Balance Using UMANG App

Steps

Install UMANG App from Play Store/App Store
Register using your mobile number
Open EPFO → Employee Centric Services
Select View Passbook
Enter UAN and OTP

Advantages

Mobile-friendly
Secure OTP login
Access other government services

Method 5: Check PF Balance Through EPF Passbook

You can also view or download your EPF Passbook online.

Steps

Visit EPF passbook portal
Login using UAN & password
Download monthly contribution statement

⚠️ Note: Passbook may not update instantly for current employer.

Common Problems While Checking PF Balance (And Solutions)

❌ UAN Not Activated

✔ Activate UAN on EPFO portal

❌ Mobile Number Not Linked

✔ Update profile → Contact details → Verify via OTP

❌ KYC Not Approved

✔ Upload Aadhaar/PAN/Bank details and wait for employer approval

❌ Incorrect PF Balance

✔ Check passbook or raise grievance on EPFO portal

Why Checking PF Balance Regularly is Important

Confirms employer deposits
Helps in tax planning
Avoids future withdrawal issues
Tracks interest growth
Detects employer non-compliance early

PF Balance Withdrawal – Quick Overview

You can withdraw PF for:

Job change (partial)
Medical emergency
Marriage or education
Home purchase
Retirement

Always check PF balance before initiating withdrawal.

PF Balance Check – SEO Keyword List Covered

how to check pf balance
pf balance check online
epf balance check by uan
pf balance missed call
pf balance sms
umang app pf balance
epf passbook download
provident fund balance check

Frequently Asked Questions (FAQs)

Q1. Can I check PF balance without UAN?

No, UAN is mandatory for all PF balance check methods.

Q2. How many times can I check PF balance?

Unlimited times. There is no restriction.

Q3. Is PF balance check free?

Yes, all methods are completely free.

Q4. How often does PF balance update?

Usually monthly after employer contribution.

Q5. Can I check PF balance for previous employer?

Yes, using EPF passbook or UAN portal.

Q6. What if PF balance shows zero?

It may be due to:

New account
Delay in employer contribution
Technical update lag

Final Words

Knowing how to check PF balance empowers you to stay financially aware and secure. Whether you prefer online login, SMS, missed call, or mobile apps—EPFO has made everything simple and transparent.

If you regularly monitor your PF account, you avoid future withdrawal problems and ensure your employer is depositing funds correctly.

👉 Pro Tip: Bookmark the EPFO portal and check your PF balance at least once every 3 months.