How to Check PF Balance: UAN, Missed Call, SMS and UMANG
Four ways to check your EPF balance, from a free missed call to the EPFO passbook, plus how to fix UAN and KYC problems and the basics of PF withdrawal.
You can check your PF balance in four ways: a missed call to 9966044425, an SMS to 7738299899, the EPFO passbook portal, or the UMANG app. This guide explains each method step by step, what to do when one fails, how to fix KYC so they all work, and the basics of withdrawing PF safely.
Key Takeaways
- Missed call 9966044425 or SMS “EPFOHO UAN ENG” to 7738299899 from your UAN-registered mobile number. Both work without internet.
- All methods need an activated UAN, a registered mobile number and at least one KYC (bank account, Aadhaar or PAN) seeded against the UAN.
- The full passbook, with month-wise employer and employee contributions, is at the EPFO passbook portal or in the UMANG app.
- Employers that run their own PF trust (exempted establishments) do not show balances on the EPFO passbook; ask your HR or trust for statements.
- EPFO never calls members asking for money, OTPs or bank details. Treat any such call as fraud.
Updated October 2026. EPFO rules and services change; confirm on the official EPFO portals before acting.
PF Balance Check: Quick Answer
| Method | What you need | What you get | Internet? |
|---|---|---|---|
| Missed call to 9966044425 | Call from UAN-registered mobile | SMS with balance and last contribution | No |
| SMS “EPFOHO UAN ENG” to 7738299899 | SMS from UAN-registered mobile | SMS with balance and last contribution | No |
| EPFO passbook portal | UAN and password | Full passbook, all member IDs | Yes |
| UMANG app | Mobile number, UAN, OTP | Passbook, claims, claim status | Yes |
| Employer / HR | Employee ID | Salary slip PF deductions; trust statements | Depends |
The missed call and SMS numbers are printed on the official EPFO passbook login page, which also lists the EPFO toll-free helpline 1800118005. Save those numbers from the official page, not from a forwarded WhatsApp message, because fake “EPFO” numbers circulate regularly.
Before You Start: The Three Things That Must Be in Place
Almost every “my PF balance is not showing” problem comes down to one of these three. Sort them first and every method below will work.
1. Your UAN must be activated
Your Universal Account Number (UAN) is a 12-digit number allotted when you first join an employer covered by EPF. It stays with you for life, across jobs. Your employer generates it, but you must activate it. The EPFO member e-SEWA portal now notes that UAN activation is handled through the UMANG app, using Aadhaar-based face authentication. If you do not know your UAN, check your salary slip, ask HR, or use the “Know Your UAN” option on the EPFO member portal.
2. Your mobile number must be registered against the UAN
The missed call and SMS services only respond to the mobile number linked to your UAN. If you changed numbers, update it through the member portal after logging in. Calling from your spouse’s or office phone will not work.
3. At least one KYC must be seeded
Your bank account, Aadhaar or PAN must be linked and approved against your UAN. For withdrawals you will in practice need Aadhaar and bank details, and PAN to avoid higher tax deduction. Your employer approves KYC updates digitally, so if a KYC shows “pending”, a polite reminder to HR usually fixes it.
Offline Methods: Missed Call and SMS
These two methods are the fastest and work on any basic phone, which makes them ideal for parents, factory staff or anyone without a smartphone. They show the balance only, not the month-by-month history.
Method 1: Missed call to 9966044425
- From your UAN-registered mobile, dial 9966044425.
- The call disconnects automatically after a ring or two. You are not charged.
- Within a few minutes you receive an SMS from EPFO with your latest PF balance and last contribution details.
If nothing arrives, check that the number you called from is the one registered against your UAN and that your UAN is activated with KYC seeded. Then try again after an hour; the service can be slow during peak periods.
Method 2: SMS to 7738299899
- Open your messaging app on the UAN-registered mobile.
- Type EPFOHO UAN ENG. Type the word UAN exactly as shown; you do not replace it with your number.
- Send it to 7738299899.
- You receive a reply with your balance and recent contribution.
The last three letters choose the reply language. ENG is English; HIN gives Hindi, and other Indian languages have their own three-letter codes such as GUJ, MAR, TAM and others. If a regional code does not work, use ENG.
Common SMS mistakes
- Sending from a number not linked to the UAN
- Typing “EPFO” instead of “EPFOHO”
- Adding extra spaces or punctuation
- Typing your actual 12-digit UAN in place of the word UAN
Method 3: The EPFO Passbook Portal
The passbook portal gives you the most detail: contributions by month, employer share, employee share, pension contribution and interest credited each year. Use it before any withdrawal and whenever you change jobs.
- Open the EPFO passbook portal from the link above.
- Enter your UAN, password and the captcha. If you have forgotten your password, reset it from the member portal.
- Complete any OTP verification sent to your registered mobile.
- Select the member ID for the employer you want to see. Each employment gets its own member ID under one UAN.
- View or download the passbook as a PDF.
How to read your passbook
| Column | What it means |
|---|---|
| Employee share | Your contribution, usually 12% of basic pay plus DA, deducted from salary |
| Employer share | The part of the employer’s contribution that goes to your EPF account |
| Pension contribution | The part of the employer’s contribution that goes to the Employees’ Pension Scheme (EPS). It is not part of your withdrawable EPF balance in the same way |
| Interest | Credited annually after the government notifies the rate for the year |
| Transfer in | Money moved from a previous employer’s member ID |
If interest for the last financial year is missing, it may simply not have been credited yet. EPFO credits interest after the rate is notified, and the timing has varied from year to year.
Method 4: The UMANG App
UMANG is the government’s multi-service app, and EPFO is one of its most used services. After installing the app from the official Play Store or App Store listing:
- Register with your mobile number and set a login PIN.
- Search for “EPFO” in the app.
- Choose the employee-centric services section, then “View Passbook”.
- Enter your UAN and the OTP sent to your registered mobile.
- Select the member ID to view the passbook.
The same section lets you raise claims, track claim status and, according to EPFO, activate your UAN with face authentication. That makes UMANG the single most useful tool for most salaried employees.
When the Balance Does Not Match Your Salary Slips
It is common to find a gap between what your salary slip says was deducted and what the passbook shows. Work through this checklist.
- Timing: employers deposit contributions after salary is paid, so the latest month may not appear yet.
- Multiple member IDs: if you changed jobs and never transferred, older money sits under the old member ID. Check every ID listed.
- Exempted employer: some large companies manage PF through their own trust. Those balances do not appear on the EPFO passbook. Ask the trust for a statement.
- Employer not depositing: if months are missing for a long time, ask HR in writing for challan details. If that fails, file a grievance on EPFiGMS, EPFO’s grievance portal.
- Name or date of birth mismatch: KYC mismatches can block transfers and claims. Correct them through the joint declaration process with your employer.
PF Withdrawal Basics: What Every Employee Should Know
Checking the balance is usually the first step before a withdrawal. Here is the general picture. Rules are revised from time to time, and EPFO’s board has approved changes to simplify partial withdrawal categories in the recent past, so always confirm the current options in the claim form on the member portal or UMANG before applying.
Types of withdrawal
| Type | When it is used | Key point |
|---|---|---|
| Partial withdrawal (advance) | Specific needs such as illness, education, marriage, housing | Limits and service conditions depend on the reason; check the claim form |
| Final settlement | Leaving employment, retirement, after a period of unemployment | Closes the EPF account for that member ID |
| Pension withdrawal | Leaving before eligibility for monthly pension | Handled separately from EPF balance |
| Transfer | Changing jobs | Moves money to the new member ID; usually the better choice than withdrawing |
Steps to file a claim online
- Confirm UAN is active, Aadhaar is linked and verified, bank account is seeded with correct IFSC.
- Log in to the member portal or open EPFO in UMANG.
- Choose the online claim option and select the member ID.
- Verify the last four digits of your bank account.
- Select the claim type and reason, enter the amount, upload documents if asked.
- Authenticate with the Aadhaar OTP and submit.
- Track the status in the same section; the money goes directly to your bank account.
Tax on PF withdrawal
Withdrawals after five years of continuous service are generally not taxed. Withdrawals before that can attract TDS, and having PAN seeded keeps the deduction at the normal rate rather than a higher one. Tax law in India was rewritten under the new Income Tax Act that took effect in 2026, so check the current position with a tax professional or the Income Tax Department before a large withdrawal.
Think twice before withdrawing
PF is one of the few guaranteed-return, government-backed retirement savings most employees have. Withdrawing at every job change means losing years of compounding. When you switch jobs, transfer your balance to the new member ID instead. For example, an employee in Hyderabad moving from one IT firm to another can simply submit a transfer request online, and the full history travels with the UAN.
A simple habit helps here. Every time you join a new company, check within the first two or three months that the new employer has linked your existing UAN rather than creating a fresh one, that the first contributions appear in the passbook, and that the transfer from the previous member ID has been requested. Catching a duplicate UAN or a missed transfer early takes one email to HR; fixing it five years later, when you need the money for a house down payment or a medical emergency, can take months of follow-up with two employers and the regional EPFO office.
Stay Safe: PF Fraud Red Flags
PF scams are common because people are anxious about their savings. The official EPFO passbook page says plainly that EPFO never calls members or pensioners to deposit any amount, and advises members not to share personal details on calls.
- Nobody from EPFO will ask for your OTP, UAN password or bank PIN.
- There is no “processing fee” to release your PF. Anyone asking for one is a fraudster.
- Avoid “PF agents” who offer to withdraw your money for a commission. You can do it yourself online.
- Download apps only from official store listings and use only government domains ending in gov.in.
Frequently Asked Questions
How can I check my PF balance without UAN?
The SMS, missed call, passbook and UMANG methods all depend on a UAN. If you do not know it, find it on your salary slip, ask HR, or use “Know Your UAN” on the EPFO member portal, then activate it.
What is the PF balance check number?
Give a missed call to 9966044425 or send “EPFOHO UAN ENG” by SMS to 7738299899 from your UAN-registered mobile number.
Why is my missed call or SMS not getting a reply?
The usual reasons are an unregistered mobile number, an inactive UAN or no KYC seeded. Fix these on the member portal or UMANG and try again after some time.
Why does my passbook not open for my current employer?
If your employer runs an exempted PF trust, the balance is not on the EPFO passbook. Ask the trust or HR for your statement.
How long does a PF claim take?
Many online claims with complete KYC settle within a few working days, but timelines vary. Track the status in UMANG or on the member portal and contact the EPFO helpline at 1800118005 if it is delayed.
Is there any charge to check PF balance?
No. The missed call, SMS, portal and UMANG checks are free. Normal SMS charges from your telecom operator may apply to the SMS method.
Check Your Balance Today, Then Fix Your KYC
Give a missed call to 9966044425 right now. If the SMS arrives, open the passbook to confirm every employer has deposited. If it does not, use the checklist above to activate your UAN, register your mobile and seed Aadhaar, bank and PAN. Ten minutes of housekeeping today saves weeks of chasing when you actually need the money. Rules change from time to time, so for anything involving withdrawals or tax, rely on the official EPFO portals and a qualified adviser.
