How to check PF balance: missed call, SMS, UMANG and passbook

Quick answer: From the mobile number registered with your UAN, give a missed call to 9966044425 or SMS "EPFOHO UAN ENG" to 7738299899 to get your PF balance by SMS. For the full month-by-month statement, log in to the EPFO member passbook (passbook.epfindia.gov.in) or the UMANG app with your UAN and OTP. Missed call and SMS work only if your UAN is activated and your Aadhaar, PAN and bank account are linked.

Key takeaways

Four free ways: missed call, SMS, passbook portal, UMANG app. None need an agent.

EPF interest for 2025–26 is 8.25% — the same rate for the third year in a row.

Interest is calculated monthly but credited once a year, so your balance can look "stuck" for months.

Since late 2025, you must keep at least 25% of your PF balance when making partial withdrawals.

A balance missing from an old job usually means you never transferred it — fix that online.

Your Employees' Provident Fund (EPF) is often your biggest savings after your house. Checking it a few times a year helps you spot missing employer deposits early, keep track of interest, and plan withdrawals. Here's every method, what each one shows, and how to fix the usual problems.

How to check PF balance: missed call, SMS, UMANG and passbook Breakdown & Visual Guide

Before you start: activate UAN and complete KYC

Your UAN (Universal Account Number) is a 12-digit number that stays the same across jobs. It's printed on your salary slip, or your HR team can share it.

Go to the EPFO member portal (unifiedportal-mem.epfindia.gov.in) → Activate UAN.
Enter your UAN, name, date of birth and Aadhaar-linked mobile number, then verify the OTP.
Log in, go to Manage → KYC, and make sure Aadhaar, PAN and bank account are added and "approved".

If you don't know your UAN, use Know your UAN on the same portal with your Aadhaar or PAN and mobile number.

Method 1: Missed call (no internet needed)

Call 9966044425 from the mobile number registered with your UAN.
The call rings once and disconnects. It's free.
Within a few minutes, an SMS arrives with your last contribution and PF balance.

This only works if your UAN is linked with at least one of Aadhaar, PAN or bank account. It shows your latest balance, not the full history.

Method 2: SMS

Send this from your registered mobile to 7738299899:

EPFOHO UAN ENG

Replace the last three letters with your language code to get the reply in that language:


Language	Code	Language	Code
English	ENG	Marathi	MAR
Hindi	HIN	Kannada	KAN
Punjabi	PUN	Telugu	TEL
Gujarati	GUJ	Tamil	TAM
Malayalam	MAL	Bengali	BEN

Normal SMS charges apply.

Method 3: EPFO member passbook (full statement)

This is the best way to see every deposit — your share, your employer's share, the pension (EPS) part, and yearly interest.

Open passbook.epfindia.gov.in.
Enter your UAN, password and captcha (or use OTP login).
Select your Member ID. You get one Member ID per employer, so you may see several.
Click View Passbook. You can download it as a PDF.

What the columns mean:


Column	What it is
Employee share	Your 12% of basic pay + DA
Employer share	Employer's part going into EPF (usually 3.67%)
Pension contribution	Employer's 8.33% (capped) going to EPS — not part of your withdrawable EPF balance
Interest	Credited once a year for the previous financial year

Tip: Compare the passbook with your salary slips. If a month's deposit is missing, ask HR — employers must deposit by the 15th of the next month.

Method 4: UMANG app

Install UMANG (the official government app) from Google Play or the App Store.
Search for EPFO → View Passbook.
Enter your UAN, request an OTP and verify.
Pick your Member ID to see the passbook.

UMANG also lets you raise claims, track them, and check your pension.

Which method should you use?


Method	Internet needed	Shows	Best for
Missed call	No	Latest balance	Quick check
SMS	No	Latest balance + KYC status	Quick check, any language
Passbook portal	Yes	Full history, PDF	Checking deposits, loans, tax
UMANG app	Yes	Full history + claims	Phone users

EPF interest rate and how it's credited

The EPF interest rate for 2025–26 is 8.25%, ratified by the Finance Ministry in June 2026 — the third straight year at this rate.

Interest is calculated on your monthly running balance.
It's credited once a year, after the rate is notified. In recent years, credit has happened around the middle of the next financial year.
Interest on your own contribution above ₹2.5 lakh a year (₹5 lakh if there's no employer contribution) is taxable.

Example: Your opening balance on 1 April is ₹3,00,000 and you add ₹6,000 a month. Interest is worked out each month on the running balance at 8.25% ÷ 12. Over the year it comes to roughly ₹28,000 — all of it credited together, usually months later.

Withdrawal rules in 2026 (in short)

EPFO simplified partial withdrawals in October 2025. The earlier 13 reasons were merged into three groups:

Essential needs — illness, education, marriage
Housing — buying or building a house, repaying a home loan
Special circumstances — such as natural disasters or job loss

Important points:

You must keep at least 25% of your contribution balance in the account at all times.
After leaving a job, you can withdraw 75% immediately; the full balance after 12 months without a job.
Claims below the auto-settlement limit (₹5 lakh) are usually processed without manual checks, often within days.
EPFO has announced UPI and ATM-based withdrawals. Check the EPFO portal or UMANG to see whether they are live for your account before relying on them.

Common problems and fixes


Problem	Fix
No SMS reply to missed call / SMS	Use the mobile registered with UAN; link at least one KYC document
Passbook shows "no records"	Your employer may be an exempted trust (big companies run their own PF trust) — ask HR for the statement
Interest not credited	It's credited once a year; check again after the yearly credit is announced
Old employer's balance missing	Use Online Services → One Member – One EPF Account (Transfer Request) on the member portal
Name or date of birth mismatch	Use Modify Basic Details on the member portal; your employer approves it
Forgot password	Use Forgot Password on the member portal with your UAN and Aadhaar OTP
Employer stopped depositing	File a complaint on EPFiGMS (epfigms.gov.in)

Frequently asked questions

Can I check PF balance without UAN?

Missed call and SMS need a UAN-registered mobile. Without a UAN, ask your employer, or find it with "Know your UAN" on the EPFO member portal.

Is the PF missed call service free?

Yes. The call disconnects automatically and costs nothing.

Why is my PF balance not updated?

Monthly deposits appear after your employer files the return. Interest appears only once a year after it's notified.

What is the EPF interest rate for 2025–26?

8.25%, the same as the previous two years.

Can I see my EPS (pension) balance?

The passbook shows pension contributions, but EPS isn't a withdrawable balance in the same way. Your pension depends on service years and pensionable salary.

How do I transfer PF from my old job?

Log in to the member portal and use the "One Member – One EPF Account" transfer request. Many transfers are now automatic when you join a new employer with the same UAN.

Can I withdraw my full PF while working?

No. Partial withdrawals are allowed for specific needs, and at least 25% must stay in the account.

#Before you start: activate UAN and complete KYC

#Method 1: Missed call (no internet needed)

#Method 2: SMS

#Method 3: EPFO member passbook (full statement)

#Method 4: UMANG app

#Which method should you use?

#EPF interest rate and how it's credited

#Withdrawal rules in 2026 (in short)

#Common problems and fixes

#Frequently asked questions