Need to Check Your PF Balance in 2025? Here’s How to Do It (With or Without UAN)

You’ve been working hard, saving every month—sometimes without even realizing it. But when the time comes to check how much you’ve saved in your Provident Fund, things suddenly feel confusing.

Don’t worry. You’re not alone.

Whether you’re planning a big purchase, thinking about retirement, or just want to know what’s in your PF account, checking your EPF balance can help you feel more in control. And guess what? You can do it easily—even if you don’t remember your UAN number.

What Is EPF and Why Should You Check Your Balance?

The Employees’ Provident Fund (EPF) is more than just a deduction on your payslip. It’s a government-backed retirement savings scheme where both you and your employer contribute a portion of your salary.

Over time, this grows—with 8.25% annual interest—into a lump sum that’s yours to withdraw at retirement or during emergencies. But here’s the thing: you need to track it to plan better, spot errors, and use it when you need it.

New in 2025: Auto-Settlement Up to ₹5 Lakh

Here’s some good news. The EPFO has raised the auto-settlement limit from ₹1 lakh to ₹5 lakh for advance withdrawals. That means quicker access to your money when you really need it—without waiting forever for approval.

How to Check Your EPF Balance in 2025 (With or Without UAN)

You can check your PF balance in four easy ways:

1. Check PF Balance Through EPFO Portal (With UAN)

You’ll need an activated UAN for this method.

Steps:

1. Go to the official EPFO website
2. Click on ‘For Employees’ under the ‘Services’ tab
3. Choose ‘Member Passbook’
4. Log in using your UAN and password
5. Enter the OTP sent to your Aadhaar-linked mobile number
6. Your PF balance will be displayed on-screen

Note: This only works if your UAN is registered and your account is linked with Aadhaar, PAN, and bank details.

2. Check PF Balance Using UMANG App (With UAN or Aadhaar)

If you prefer mobile, this one’s for you.

Steps:

1. Download the UMANG app from Google Play or App Store
2. Log in and go to ‘Social Security’ > ‘EPFO’
3. Tap on ‘Employee Centric Services’ > ‘View Passbook’
4. Enter your UAN, receive OTP, and verify
5. View or download your PF passbook instantly

3. Check PF Balance via SMS (Without Needing Internet)

Steps:

1. Send SMS to 7738299899
2. Type: EPFOHO UAN ENG

You can also receive updates in your local language (HIN for Hindi, GUJ for Gujarati, etc.)

Note: This only works if your UAN is linked to Aadhaar, PAN, and bank account.

4. Check PF Balance via Missed Call (No App Needed)

Steps:

1. Give a missed call to 9966044425 from your registered mobile number
2. You’ll get an SMS with your PF balance

Make sure your UAN is activated and KYC is completed to use this service.

What If You Work in an Exempted Establishment?

If your company manages its own PF trust (instead of EPFO), you won’t see your balance on the EPFO portal.

In that case, you can:

• Check your salary slip
• Log into your company’s internal portal
• Ask your HR team directly

FAQs About Checking EPF Balance in 2025

Q. Can I check my EPF balance without UAN?
Yes, you can use the SMS or missed call option—but only if your UAN is linked with Aadhaar, PAN, and your bank account.

Q. I forgot my UAN password. How can I reset it?
Go to the EPFO login page and click ‘Forgot Password.’ Follow the prompts to reset using OTP on your registered phone.

Q. Is it free to check the PF balance via SMS or missed call?
Absolutely. Both services are completely free.

Q. How often is the EPF balance updated?
Usually after every monthly contribution. But the online passbook may update a few days later.

Q. Can I withdraw from EPF before retirement?
Yes, under certain conditions like medical emergencies, marriage, education, or unemployment.