Easy Ways To Check Your EPF Balance Online, Via SMS, Or Missed Call

As an Employees Provident Fund (EPF) subscriber, you can easily monitor your passbook, claim status, or balance online. Alternatively, you can check your EPF balance through SMS or a missed call.

Checking EPF Balance via SMS or Missed Call

Via SMS:

• Type 'EPFOHO' followed by your UAN number and the first three letters of your preferred language (e.g., 'ENG' for English).
• Send the message to 7738299899 from your registered mobile number.

Via Missed Call:

• Dial 9966044425 from your registered mobile number.
• Receive your PF balance via text.

How to Check Your EPF Passbook

• Register on the unified member portal. Your passbook will be available six hours after registration.
• Visit the EPFO website and navigate to ‘For Employees’ under ‘Services’.
• Click on ‘Member Passbook’ under the ‘Services’ section.
• Enter your UAN and password on the redirected page (passbook.epfindia.gov.in).
• Complete the captcha and sign in.
• A six-digit OTP will be sent to your Aadhaar-linked phone number. Enter the OTP to access your account details.
• Withdrawing Money from Your EPF Account

Online Withdrawal:

• Ensure your UAN is activated and linked with your KYC (Aadhaar, PAN, etc.).
• Log in to the EPFO e-SEWA portal using your UAN and password.
• Go to the ‘Online Services’ section and select ‘Claim (Form-31, 19, 10C & 10D)’.
• Enter your bank account number for verification.
• Confirm the Terms and Conditions and proceed for online claim .
• Select the reason for withdrawal from the dropdown menu.
• Provide the required details and upload necessary documents.
• Request an OTP sent to your Aadhaar-registered mobile number. Enter the OTP to submit your claim application.

Physical Application:

• Composite Claim Form (Aadhaar): Use this form if your Aadhaar and bank details are linked on the UAN portal. Submit it directly to the EPFO office.
• Composite Claim Form (Non-Aadhaar): If not linked, submit this form with your employer's attestation to the EPFO office.

Without UAN:

• Download and fill out either the Aadhaar-based or Non-Aadhaar Composite Claim Form.
• Submit the completed form to your Regional PF Office.
• Get your identity attested if required.
• Wait for the processing and crediting of the amount to your registered bank account.
• Conditions for EPF Withdrawal

Complete Withdrawal:

• Upon retirement
• If unemployed for over two months

Partial Withdrawal:

Medical Purposes:

• Limit: Lower of six times monthly basic salary or total employee’s share plus interest.
• No specific service criteria.
• For treatment of self, spouse, children, or parents.

Marriage:

• Limit: Up to 50% of employee’s EPF contribution.
• Service Required: 7 years.
• Applicable for self, son/daughter, brother/sister's marriage.

Education:

• Limit: Up to 50% of employee’s EPF contribution.
• Service required: 7 years.
• For post-matriculation education of the account holder or their children.

Purchase of Land or House:

• For land: Up to 24 times monthly basic salary plus dearness allowance.
• For house: Up to 36 times monthly basic salary plus dearness allowance.
• Service required: 5 years.

Home Loan Repayment:

• Limit: Least of 36 times monthly basic salary plus dearness allowance or total corpus or outstanding principal and interest.
• Service required: 10 years.

House Renovation:

• Limit: Least of 12 times monthly wages and dearness allowance or employee’s contribution with interest.
• Service required: 5 years.

Before Retirement:

• Limit: Up to 90% of accumulated balance with interest.
• Service required: At 58 years, withdrawal is allowed before one year of retirement or superannuation.