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EPFO has eased the process of checking an employee's provident fund balance over the years. PF balance checks can now be done online, and the time taken for the procedure has been reduced considerably. Several methods are available to an individual to check his/her EPF balance, some of which are explained in the article below.
Latest Update: The EPF interest rate has been increased to 8.25% for FY 23-24.
Gone are the days when you had to wait for your employer to tell your EPF (Employee Provident Fund), popularly known as the “PF” balance, at the end of the year. Now, checking your PF balance has become super easy. The government has introduced various ways through which you can check your PF Balance online anywhere, anytime. It can be done without having a UAN number through a missed call or SMS service, or in case you have a UAN, then the PF balance can be checked by making a successful login to the EPFO portal, EPFO App, and UMANG App.
In this post, we will explain you various means along with the process for knowing your PF Balance with the EPFO (Employee Provident Fund Organization) -
The balance of your provident fund account can be checked even without using the UAN number. This can be done either through a miss call facility or by sending a message as per the process described below.
By just giving a missed call to mobile number 9966044425 from your registered Mobile number you can know your PF balance without the UAN number. The details of last contribution and PF Balance are sent on your registered number free of cost.
A. What will happen after giving the missed call?
The call will automatically get disconnected after two rings.
B. Who can enjoy this facility?
By sending an SMS at 7738299899 from your registered mobile number you can know your latest PF contribution and balance available. The best part is that this facility is available in 10 languages-English (default) and Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, Malayalam, and Bengali.
SMS Text- “EPFOHO UAN”
SMS Number – 7738299899
For getting the SMS in any of the languages other than English, the first three characters of the preferred language needs to be added after UAN.
For example, If you want to receive an SMS in Telugu, then the SMS to be sent will be “EPFOHO UAN TEL” to 7738299899.
You will receive an SMS from EPFO containing the following details – last PF contribution and balance details along with available KYC information.
UAN-activated Members whose KYC is done. In other words, it is the same as using the missed call facility.
You can check your PF account balance online anytime by using either of the three options. Namely, EPFO Portal, EPFO App, and UMANG App. Read below for the steps described below -
The EPFO has given two options to its members to check PF Balance-
3.1 It’s own portal, i.e., from Employee’s Provident Fund Organisation (EPFO)
3.2 It’s App– EPFO m-sewa
Let’s understand the process and requirements to use –
It’s the most popular way of PF Balance check with UAN number. In order to check the EPF balance, you need to make sure that your UAN (Universal Account Number). UAN is a unique number of identification provided to the employees enrolled under the EPF scheme. Employees can have only one UAN in their entire life irrespective of the company they are working in. Follow the below steps to understand the workings of the EPFO portal after activating your UAN number -
UMANG(Unified Mobile APP for New Governance) is a government app which provides a single platform to all Indian Citizens to access e-Gov services of Central, State and Local Government bodies and other citizen centric services. By using this app you can check the PF Balance.
For using The UMANG APP, you need to first download it from the UMANG website or from the play/app stores or by giving a missed call 9718397183.
Unified Mobile Application for New-age Governance. Besides checking EPF balances, the app allows you to file and track claims. Members must complete a one-time registration using their UAN-registered cellphone number to access the app.
Here’s how to use the UMANG app to view your EPF transactions:
While it is not mandatory to complete E-nomination for your PF account, it is advised to complete it so that your PF account balance can be withdrawn and used by your loved ones in the event of your death.
The e-nomination process is now complete.
The contribution made to EPF is eligible for a deduction under the Income Tax Act.
The ITR filing for FY 23-24 has started and filing your ITR now can help you claim all your potential deductions accurately and also expedite your income tax refund. File ITR now with the help of Expert CAs!
Whether you are required to pay tax while withdrawing money from EPF depends on certain conditions, such as :
First of all, it needs to be understood that PF withdrawals after completion of the 5 years of service are tax-free, and no TDS will be deducted from this. Still, you will be required to give a valid reason and documents to support your reason i.e. - education, marriage, medical treatment, etc.
Only after retirement or at the time of unemployment for more than 2 months will you become eligible to withdraw your full PF amount. Otherwise, you are eligible to withdraw a certain percentage of the amount as per the case. For this, you have two options available- online or offline. Thus, You can withdraw the money from EPF by using online mode through the EPFO portal or by submitting a physical application through offline means.
Yes, the deduction for EPF can be claimed under Section 80 C while filing Income Tax Return. Under 80 C of the Income Tax Act, you can save up to Rs. 1,50,000 by investing in EPF.
PF balance can be checked by any of the following 4 methods-
You can activate your UAN either by the UAN member portal or through sending sms on 7738299899 in the following format-
EPFOHO ACT: enter your 12-digit UAN number and 22-digit member ID
For any assistance related to Income Tax Filing Services, you can contact our expert CAs at https://tax2win.in/
