How to check your PF balance: the online, app and SMS ways

Your EPF grows quietly every month, and it is worth checking a few times a year. All you need is an activated UAN, the 12-digit number on your salary slip. If you have never activated it, do that first with our UAN activation guide.

Way 1: the EPFO passbook, online. Log in with your UAN and password on the EPFO member passbook service. You will see every monthly deposit, your share and your employer’s, the interest credited, and the running balance, for each job you have had.

Way 2: the UMANG app. Install the government’s UMANG app, open EPFO services, and choose View Passbook. Log in with your UAN and the OTP sent to your registered mobile. It shows the same passbook on your phone.

Way 3: by SMS. From the mobile number registered with your UAN, send this to 7738299899:

EPFOHO your UAN ENG

For example, EPFOHO 1XXXXXXXXXXX ENG, with your own 12-digit UAN in place of the Xs. Replace ENG with another language code if you prefer. EPFO replies with your latest balance and last contribution.

Way 4: a missed call. Give a missed call to 9966044425 from your registered mobile, and EPFO sends your balance by SMS. The SMS and missed-call details are as listed on EPFO’s member passbook site in October 2026; service numbers can change.

Did you know? Your passbook is also a check on your employer. Both your share and your employer’s should appear every month. A gap of several months can mean the money was cut from your salary but not deposited. Raise it with HR first, and if that does not fix it, file a grievance with EPFO.

What to check each time. A quick look at three things catches most problems.

• Every month is there. No gaps in the deposits.
• Both shares appear. Yours and your employer’s.
• Your details are right. Name, date of birth and nominee. Wrong details can hold up a withdrawal later.

Why the balance can look behind. Monthly deposits may take time to show. The year’s interest is credited after EPFO declares the rate, which can be months after the financial year ends. So a passbook in, say, July may not yet show last year’s interest.

The takeaway. With an activated UAN, you can see your PF balance online, in UMANG, or by SMS in minutes. Check that every month is there and both shares appear, and fix wrong details early. Planning to take money out? Read the 2026 PF withdrawal rules first.

More to read: how to activate your UAN, your first salary slip, decoded, and PPF vs EPF.