EPF Balance Check: With and Without UAN Number

The Employees’ Provident Fund (EPF) serves as a savings mechanism where both the employee and employer contribute equally. These funds are accessible upon retirement or when changing jobs.

You can check your EPF balance through various methods, including SMS, a missed call, the EPFO or Umang app, and the EPFO Portal. This access allows employees to:

Manage their expenditures effectively.
Secure loans against their EPF balance.
Monitor their monthly PF contributions.

For detailed insights, read the article below to check the PF balance with and without the UAN number. Note for the fiscal year 2023-24, the EPF interest rate has been raised to 8.25%.

How To Check PF Balance with and without UAN Number?

You can check your PF balance through various methods, whether you have your UAN (Universal Account Number) or not. Here are the ways to do it:

Place a missed call to the number 9966044425.
Send an SMS to 7738299899.
Access your balance via the EPFO online portal.
Utilise the UMANG mobile app.

How To Check PF Balance Without UAN Number?

You can check your PF balance without a UAN number using two primary methods: through an SMS service or via a missed call. Here’s a detailed breakdown:

SMS Service: Checking PF Balance Without UAN Number

To check your PF balance via SMS without a UAN, follow these steps:

Compose a text message with the format ‘EPFOHO UAN’.
Send this message to 7738299899 from the mobile number linked with your EPFO account.
You will receive an SMS containing details of your last PF contribution and balance, along with any linked KYC data.
To receive the information in a language other than English, append the first three letters of your preferred language after ‘UAN’ in your message.

Here are the language codes:

English (Default): EPFO UAN
Hindi: EPFO UAN HIN
Punjabi: EPFO UAN PUN
Gujarati: EPFO UAN GUJ
Marathi: EPFO UAN MAR
Kannada: EPFO UAN KAN
Telugu: EPFO UAN TEL
Tamil: EPFO UAN TAM
Malayalam: EPFO UAN MAL
Bengali: EPFO UAN BEN

For instance, to receive the information in Kannada, text ‘EPFOHO UAN KAN’ to 7738299899. Ensure to use your registered mobile number.

Missed Call Service: Checking PF Balance Without UAN Number

If you don’t have your UAN, using the missed call service requires your mobile number to be registered with your UAN at the Unified Portal and linked with your bank, Aadhaar, or PAN. Here are the steps:

Place a missed call to 9966044425 from your registered mobile number.
After two rings, the call will disconnect automatically.
You will receive an SMS with your PF balance and the details of the last contribution.

Please note that without a registered mobile number linked to a UAN, you cannot use the missed call facility to check your PF balance.

How to Find Your UAN Number?

If you don’t have a registered mobile number, your UAN (Universal Account Number) is essential for accessing your PF balance and for withdrawal purposes. Here are two ways to find your UAN:

Through Your Employer

The simplest method to find your UAN is by checking your monthly salary slips, where it’s usually listed. Alternatively, you can contact your HR department directly to obtain your UAN.

Using the UAN Portal

Follow these steps to retrieve your UAN through the UAN portal:

Visit the UAN portal and navigate to the ‘Important Links’ section. Click on ‘Know Your UAN’.
On the following page, input your mobile number and the displayed captcha, then click ‘Request OTP’.
After receiving an OTP alert, click ‘OK’.
Enter the received OTP and captcha, then click on ‘Validate OTP’.
Input your name, date of birth, and one of the following—Aadhaar, PAN, or Member ID. Enter the captcha and click on ‘Show My UAN’.
A pop-up will display your UAN.

Also Read More About How to Link Aadhaar Card with EPF Account?

How to Withdraw EPF Using UAN?

You can withdraw your EPF corpus using online or offline methods:

Online EPF Withdrawal Process

Log in to the UAN portal with your UAN and password. Enter the captcha and sign in. Use the ‘Forgot Password’ option if necessary.
Navigate to the ‘Manage’ section and select ‘KYC’ to verify your Aadhaar, PAN, and bank details.
Go to ‘Online Services’ and select ‘Claim (Form-31, 19, 10C & 10D)’.
Verify your details and bank account number, then click ‘Verify’.
Agree to the ‘Certificate of Undertaking’ by clicking ‘Yes’.
Select ‘Proceed for Online Claim’.
Choose the type of claim (full EPF settlement, partial withdrawal, or pension withdrawal) under ‘I Want To Apply For’. If not eligible, no withdrawal option will be displayed.
For an advance, select ‘PF Advance (Form 31)’, specify the reason, amount, and your address.
Submit your application by clicking on the certificate. You may need to upload supporting documents depending on the claim type.
Your employer will need to approve the withdrawal. Funds typically transfer to your bank account within 15-20 days.

These steps ensure you can effectively manage your PF account and withdraw funds as needed.

How to Withdraw EPF Offline?

You can withdraw your PF funds offline by completing and submitting the Composite Claim Form. There are two versions of this form: one for Aadhaar cardholders and another for those without Aadhaar.

For Aadhaar Cardholders:

Step 1: Specify whether the application is for a final settlement or a partial withdrawal.

Step 2: Complete the form in block letters, including your name, 11-digit UAN, and 12-digit Aadhaar number.

Step 3: Record the dates you joined and left the establishment.

Step 4: State the purpose of the withdrawal and provide any required documentation based on your reason.

Step 5: If your service was less than 5 years, include your PAN.

Step 6: If applicable, attach two copies of Form 15G/15H and state your reason for leaving if it’s a final settlement.

Step 7: Provide your address, then submit the form directly to the relevant EPFO office without needing employer attestation, assuming all your details are updated on the UAN Portal.

Note: TDS applies if service is under 5 years. Consider consolidating multiple PF accounts if you’ve changed jobs frequently.

For Non-Aadhaar Cardholders:

Step 1: Choose between final settlement and part withdrawal.

Step 2: Fill out the form in block letters with your name, 11-digit UAN or PF number, and details.

Step 3: Include your father’s or husband’s name and your date of birth.

Step 4: Document your employment start and end dates.

Step 5: Describe the purpose of your withdrawal and provide the necessary documents.

Step 6: Add your PAN if employed for less than 5 years.

Step 7: Mention your address and attach an original cancelled cheque.

Step 8: After getting your form attested by your employer, submit it to the appropriate EPFO office.

Note: This form is necessary when your Aadhar and bank details are not linked with your UAN. TDS will be deducted if the service is less than 5 years. It’s advisable to merge all PF accounts if you have changed jobs multiple times.

Conclusion

EPF is mandatory for employees in companies with a PF scheme. Every employee must maintain a PF account, which is crucial for financial security in retirement. A UAN (Universal Account Number) is essential for online access and withdrawals from your PF account.

A PF account offers numerous benefits, including tax advantages and free insurance coverage. Keeping your UAN up-to-date ensures you can maximise these benefits and easily manage online PF withdrawals.