The Employees' Provident Fund (EPF) balance signifies the total savings contributed by both employee and employer, serving as a long-term savings instrument for financial security post-retirement or when changing jobs.

Why Monitoring Your EPF Balance Matters

Keeping track of your EPF balance aids in effective management of retirement savings, helps in planning expenses, making well-informed financial decisions, and evaluating your financial health within the EPF scheme. Knowing your EPF balance is especially critical if considering loans against your EPF savings, offering insight into available funds. The prevailing interest rate on EPF accounts for FY 2024-25 is 8.25%.

For members of the Employees' Provident Fund Organisation (EPFO), checking the EPF balance is now an easier task.

Methods to Check EPF Balance:

1. EPFO Portal: To access your EPF passbook via the EPFO portal, activate your UAN and follow these steps:

1. Visit the EPFO portal.
2. Click ‘For Employees’ under the 'Services’ tab.
3. Select ‘Member Passbook’ under ‘Services’.
4. Enter UAN, password, and captcha details, then click ‘Sign In’.
5. View your EPF balance under the specific Member ID.

2. UMANG App: Check EPF balance, raise claims, and track them via the UMANG app by registering with the mobile number linked to your UAN.

Steps to View EPF Transactions:

1. Install and open the UMANG app.
2. Click on the EPFO option.
3. Select 'Employee Centric Services'.
4. Choose 'View Passbook'.
5. Enter UAN and submit the OTP sent to your registered mobile number to log in and view EPF transactions.

3. Missed Call: Check balance by giving a missed call to 011-22901406 using your registered mobile number. Ensure PAN, Aadhaar, and bank account number are linked to your UAN.

4. SMS Service: If your UAN is active, send an SMS to 7738299899 as follows: EPFOHO UAN ENG (preferred language). Languages include Bengali, Malayalam, Tamil, Telugu, Kannada, Marathi, Gujarati, Punjabi, Hindi, and English.

Submitting an E-Nomination in EPFO

Although optional, e-nomination ensures nominated individuals can claim your EPF account seamlessly upon your demise.

Steps for E-Nomination:

1. Visit the UAN Member e-Sewa portal.
2. Log in using your UAN, password, and captcha code.
3. Navigate to the 'Manage' tab and select 'E-nomination'.
4. Confirm your family declaration.
5. Add family details and allocate the share amount for each nominee.
6. Save the EPF Nomination and create an OTP for e-signing.
7. Submit the OTP received on your Aadhaar-linked mobile number.

Checking Your PF Balance Without a Registered Mobile Number

Check your PF balance without your registered mobile number by:

1. Visiting the UAN portal.
2. Logging in with your UAN and password.
3. Selecting the PF account and clicking ‘View PF Passbook Old’ to view details.
4. Reviewing yearly PF contributions by clicking on ‘View Passbook (New: Yearly)’.

Checking EPF Balance for Exempted Establishments/Private Trusts

For accounts with exempted establishments or private trusts, check your balance by:

1. PF or Pay Slip: Look for EPF balance details in slips provided by your employer.
2. Company's Employee Portal: Log in to access your EPF balance.
3. HR Department: Contact HR for EPF information.
4. Monitor Contributions: Track monthly contributions via salary slips and calculate the annual EPF balance.

Interest on EPF Balance for Inoperative Accounts

Inoperative EPF accounts do not accrue interest due to events like retirement at 55, migration to a foreign country, or death before withdrawal. The account remains active till age 58 if employment ceases before 55.

By staying informed of your EPF balance and related processes, you can manage retirement savings effectively, ensuring financial security for the future.