EPF Balance Check — How to Check PF Balance Online 2026
Updated: 3 June 2026 | EPFO Portal | UAN Login | UMANG App | SMS
Check your EPF (Provident Fund) balance instantly via: EPFO portal (unifiedportal-mem.epfindia.gov.in → View Passbook), UMANG app (search EPFO), or SMS "EPFOHO UAN ENG" to 7738299899. You need your UAN (Universal Account Number) to access balance. EPF interest rate for FY 2025-26 is 8.25% per annum.
8.25%
EPF interest rate for FY 2025-26: 8.25% per annum.
Interest is credited annually to your EPF account by EPFO. Tax-free interest on EPF contributions up to ₹2.5L/year.
Interest is credited annually to your EPF account by EPFO. Tax-free interest on EPF contributions up to ₹2.5L/year.
4 Ways to Check EPF Balance
Online
EPFO Member Portal
unifiedportal-mem.epfindia.gov.in → Login with UAN + Password → View Passbook → Full month-wise details
Mobile App
UMANG App
Download UMANG app → Search "EPFO" → View Passbook or Raise Claim → Login with UAN
SMS
SMS to 7738299899
Send: EPFOHO UAN ENG (or HIN for Hindi) to 7738299899. Get balance SMS on Aadhaar-linked mobile. Free.
Missed Call
Missed Call 011-22901406
Give a missed call to 011-22901406 from your UAN-registered mobile. Receive balance SMS within seconds. Free.
How to Check EPF Balance on EPFO Portal — Step by Step
- Visit EPFO Member PortalGo to unifiedportal-mem.epfindia.gov.in. Click "Member" under the Services menu.
- Login with UANEnter your 12-digit UAN number and password. If first time, click "Activate UAN" and follow steps with Aadhaar/mobile OTP.
- Go to View PassbookAfter login → click "View Passbook" from the menu. Select your member ID (if multiple).
- View or DownloadThe passbook shows: employee contribution, employer contribution, pension (EPS), and interest. Download as PDF for records.
EPF Contribution Details
| Contribution | Employee | Employer | Goes to |
|---|---|---|---|
| EPF (PF account) | 12% of Basic+DA | 3.67% of Basic+DA | EPF Account |
| EPS (Pension) | — | 8.33% of Basic+DA (max ₹1,250/month) | Pension Scheme |
| EDLI (Insurance) | — | 0.5% of Basic+DA | Insurance Fund |
On EPF passbook, you see only your PF balance (employee 12% + employer 3.67%). EPS balance (pension) is separate and shown in the UAN pension details, not in passbook.
Frequently Asked Questions
How to check EPF balance online?
Check EPF balance at unifiedportal-mem.epfindia.gov.in using your UAN (Universal Account Number) and password. Alternatively: SMS "EPFOHO UAN ENG" to 7738299899, or use UMANG app (search "EPF" → View Passbook). Balance shows employer contribution, employee contribution, and interest credited.
How to get UAN number if I don't know it?
Find your UAN: Check salary slip (employer usually prints UAN), ask HR department, login to epfindia.gov.in → Member Portal → Know Your UAN (enter mobile + Aadhaar/PAN), or SMS "EPFOHO UAN" to 7738299899 after Aadhaar-UAN linkage.
What is the EPF interest rate for 2025-26?
EPF interest rate for FY 2025-26 is 8.25% per annum. This rate is declared by EPFO (Employees Provident Fund Organisation) annually and is credited to member accounts by the end of the financial year. The interest rate for 2024-25 was also 8.25%.
How to download EPF passbook?
Download EPF passbook: Login to unifiedportal-mem.epfindia.gov.in with UAN + password → View Passbook → Select establishment → Download PDF passbook. Shows month-wise employee contribution (12% basic), employer contribution (3.67% EPF + 8.33% EPS), and interest.
Why is my EPF passbook not updated?
EPF passbook may not be updated if: employer has not filed ECR (Electronic Challan cum Return) for the month, ECR filed but payment not made, or EPFO processing delay (usually 15-20 days after employer deposits). Contact your employer first if passbook is consistently missing credits.
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