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

> Give a missed call to 9966044425 or SMS 'EPFOHO UAN ENG' to 7738299899, or open the EPFO passbook or UMANG. Plus 8.25% interest, withdrawal rules and fixes.

- URL: https://2search.in/knowledge/articles/oct-26/check-pf-balance
- Genre: Government services
- Country: India
- Published: 2026-10-27
- Updated: 2026-10-27
- Publisher: 2search (https://2search.in)

> **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](/images/articles/check-pf-balance/diagram.svg)

## 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.

1. Go to the **EPFO member portal** (unifiedportal-mem.epfindia.gov.in) → **Activate UAN**.
2. Enter your UAN, name, date of birth and Aadhaar-linked mobile number, then verify the OTP.
3. 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.

1. Open **passbook.epfindia.gov.in**.
2. Enter your **UAN, password** and captcha (or use OTP login).
3. Select your **Member ID**. You get one Member ID per employer, so you may see several.
4. 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

1. Install **UMANG** (the official government app) from Google Play or the App Store.
2. Search for **EPFO → View Passbook**.
3. Enter your **UAN**, request an OTP and verify.
4. 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**:

1. **Essential needs** — illness, education, marriage
2. **Housing** — buying or building a house, repaying a home loan
3. **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.

## Sources

- [EPFO — Member passbook](https://passbook.epfindia.gov.in/MemberPassBook/login)
- [EPFO — Member e-Sewa portal](https://unifiedportal-mem.epfindia.gov.in/memberinterface/)
- [ClearTax — EPF balance check methods](https://cleartax.in/s/pf-balance-check)
- [Business Today — EPF 8.25% interest and UPI/ATM withdrawals (June 2026)](https://www.businesstoday.in/amp/personal-finance/news/story/epf-8-25-interest-credit-soon-upi-atm-withdrawals-likely-by-end-of-june-537967-2026-06-19)
- [Drishti IAS — EPF new withdrawal rules 2025](https://www.drishtiias.com/daily-updates/daily-news-analysis/epf-new-withdrawal-rules-2025/print_manually)