EPF Balance Check: Four Ways to See Your PF Balance (With and Without UAN Login)

Your Employees' Provident Fund (EPF) account is managed by the EPFO, and every provident fund balance check method uses your UAN (Universal Account Number), the 12-digit number on your salary slip, or available from your employer. The missed-call and SMS methods also need:

• your UAN activated on the EPFO member portal;
• your mobile number registered against the UAN;
• at least one KYC, such as bank account, Aadhaar or PAN, seeded with the UAN.

The missed call and SMS are free. The call disconnects automatically.

• Employee share: 12% of your basic pay plus DA, deducted from your salary.
• Employer share: the employer also pays 12%, but part of it (8.33%, subject to the wage ceiling) goes to the Employees' Pension Scheme (EPS). That part doesn't appear in your EPF balance.
• Interest: credited once a year, after the rate for that year is notified.
• Each job has a separate member ID under one UAN. Check every member ID, or transfer old balances into your current account.

The EPF interest rate for 2025-26 is 8.25%, the same as the previous two years. It is calculated monthly on the running balance and credited once a year, usually a few months after the year ends. Until it is credited, the passbook shows contributions without that year's interest.

Interest on employee contributions above ₹2.5 lakh a year (₹5 lakh where the employer doesn't contribute) is taxable. Check this if you make large voluntary contributions.

• Changed jobs? Transfer the old balance online through the member portal, so all your service and interest sit in one account. Leaving balances behind under old member IDs is the most common reason people can't find their money.
• Need money mid-career? Partial withdrawals (advances) are allowed for specific purposes such as illness, housing, education and marriage, subject to service conditions. Apply online with UAN and Aadhaar.
• Leaving work? Final settlement is possible after the waiting period, and the pension part has its own rules.

Check your bank account and KYC are correct in the UAN before applying. A mismatch is the usual reason claims get rejected.

• Interest not yet credited for the latest year.
• Employer hasn't deposited recent contributions. Deductions on your payslip without matching passbook entries are worth raising with HR, and then on the EPFO grievance portal.
• An old member ID from a previous job holds part of the money.
• The employer runs an exempted PF trust. The balance is maintained by the company's trust, not visible in the EPFO passbook. Ask the employer.
• Pension share: the EPS portion of the employer contribution doesn't show in the EPF balance.

Planning ahead? Our EPF calculator projects your corpus at retirement, and the salary calculator shows how PF affects take-home pay.

For employers: missed deposits and late PF returns cost interest and damages, and they make employees lose trust quickly. TaxQue handles PF registration and monthly PF return filing.