How to Check Your PF Balance
Published: November 10, 2026
Source: EPFO & the UMANG app
See your EPF balance by missed call, SMS, the Umang app or the EPFO portal.
Before you start
- Keep your UAN (Universal Account Number) ready — it is on your payslip or you can get it from your employer.
- Use the mobile number that is registered with your UAN — the missed call and SMS methods only work from that number.
- Your UAN should be active and your KYC should be complete, or the balance may not show.
Missed call method
From your UAN-registered mobile number, dial the EPFO missed call number, 9966044425. Let it ring — the call will cut off by itself after a couple of rings, and you will not be charged for it. Do not stay on the call or press any key; just wait for it to disconnect.
Within a short time you will get an SMS with your PF balance and your last contribution details. If no SMS comes, check that you called from the registered number and that your UAN is active, then try once more. This method only shows the balance — it does not show the full passbook.
SMS method
Open the messaging app on your UAN-registered mobile and type a new SMS in this format: EPFOHO, then your UAN, then the first three letters of the language you want — for example, EPFOHO 123456789012 ENG for English. Send this SMS to 7738299899.
You will get a reply SMS with your PF balance, your last contribution, and your total balance. The language code can be changed for other languages — for Hindi, use HIN instead of ENG. If you get no reply, check the format and the number, and make sure you sent it from your registered mobile.
Umang app method
Open the Umang app on your phone — if you do not have it, install it from your phone's official app store. Log in with your mobile number and the OTP that comes to it. On the home screen, find and open "EPFO" under the services list.
Inside EPFO services, tap "View Passbook" or "Employee Centric Services" and enter your UAN and the OTP sent to your registered mobile. The app will show your passbook with your balance, your contributions, and your employer's contributions. Check that the member ID shown is yours before you trust the numbers.
Portal method
Open your browser and go to the EPFO member portal (the unified member portal). On the login page, enter your UAN, your password and the captcha shown on the screen, then tap "Sign In". If you have forgotten your password, use the "Forgot Password" link on the same page to reset it with an OTP.
After logging in, open "View" and then "Passbook" from the menu. The passbook page will ask you to pick your member ID if you have more than one, then it will show your full passbook — your balance, and every contribution from you and your employer. This is the most detailed view of the four methods, so use it when you want to check a missing month or compare the numbers.
Tips
- Balance shows only if your UAN is active and KYC is complete.
- Try the missed call method first — it is the quickest when you only want the balance.
- Use the portal passbook when you want the full month-by-month detail, not just the total.
- Keep your UAN written down somewhere safe — you will need it for every PF task.
Keep in mind
- EPFO never asks for your bank details or OTP on a call — ignore such calls.
- Never share your UAN password or any OTP with anyone, even if they say they are from EPFO.
- Only use the official EPFO portal, the Umang app, or the numbers given above. Other websites and apps that promise your PF balance may be fake.
- Your PF balance is separate from your bank balance — the money in your PF account is not the same as the money in your bank account. To check the money in your bank account, see our guide on how to check bank balance on your phone.
FAQs
Why is this month's PF missing?
Employers deposit with a delay; the passbook updates after the deposit. Your employer usually deposits the PF amount after the salary month ends, and the passbook only shows it once the deposit is processed. If a month is still missing after a long time, check the portal passbook first, then ask your employer's HR or payroll team.
I don't know my UAN. What do I do?
Your UAN is usually printed on your payslip. If it is not there, ask your employer's HR team — they have it. You can also find it on the EPFO portal with the "Know Your UAN" option, using your registered mobile number and other details.
Why does the missed call or SMS not work?
Both methods only work from the mobile number registered with your UAN. If you changed your number and did not update it, the SMS will not come. Check that your UAN is active and your KYC is complete, and update your mobile number on the EPFO portal if needed. If it still does not work, use the Umang app or the portal method instead.
Can I check my PF balance without a UAN?
No — you need your UAN for all four methods in this guide. If you have never had a UAN, your employer gives you one when you join a job covered by EPF. Ask your employer for it, or check your payslip.
