Employee Provident Fund (EPF) is a crucial aspect of financial planning for employees. Keeping track of your EPF balance is essential for assessing your retirement savings. In the digital age, checking your EPF balance online has become a convenient and efficient process. This explores various methods and procedures to check your EPF balance seamlessly.
Understanding EPF: A Brief Overview
Before delving into the methods of checking EPF balance online, it’s crucial to understand what EPF is. The Employee Provident Fund is a savings scheme that helps employees save a portion of their salary for retirement. Both employers and employees contribute a certain percentage of the salary to the EPF account regularly. The accumulated amount, along with interest, serves as a financial cushion during the employee’s retirement years.
EPFO (Employees’ Provident Fund Organization) Website
The primary and most direct method to check your EPF balance check is through the official website of the Employees’ Provident Fund Organization.
Visit the EPFO Portal: Go to the official EPFO website (https://www.epfindia.gov.in/).
Click on ‘Our Services’: Navigate to the ‘Our Services’ tab and select ‘For Employees.’
Select ‘Member Passbook: Under the ‘Services’ section, choose ‘Member Passbook.’ You will be redirected to the login page.
Login: Enter your Universal Account Number (UAN), password, and captcha details to log in.
View EPF Passbook: After logging in, you can view your EPF passbook, which contains details of your contributions, your employer’s contributions, and the accrued interest.
UMANG is a government-developed mobile app that provides a unified platform for various government services. Checking your EPF balance is one of the services available on this app.
Download UMANG App: Install the UMANG app on your smartphone from the Google Play Store or Apple App Store.
Register/Login: If you are a first-time user, register using your mobile number. If you already have an account, log in using your credentials.
Select EPFO Services: Once logged in, choose the ‘EPF’ option from the list of services.
Enter UAN: Enter your UAN and OTP received on your registered mobile number.
View Passbook: After authentication, you can view your EPF passbook, providing a detailed summary of your contributions and interests.
For those who prefer a simpler approach, EPFO provides an SMS service to check the EPF balance.
Activate UAN: Ensure that your UAN is activated by your employer.
Send SMS: From your registered mobile number, send an SMS to 7738299899. The format should be: EPFOHO UAN ENG.
Receive SMS: You will receive an SMS containing your EPF details, including the balance.
Missed Call Service
EPFO also offers a missed call service for checking your EPF balance quickly.
Verify UAN: Make sure your UAN is verified and linked to your mobile number.
Give a Missed Call: Dial 011-22901406 from your registered mobile number. The call will be disconnected automatically, and you will receive an SMS with your EPF details shortly.
Mobile App – m-Seva
EPFO has launched the m-Seva app, providing a mobile-friendly platform for various services, including checking your EPF balance.
Download the App: Install the m-Seva app from the Google Play Store.
Enter UAN and Mobile Number: Open the app, enter your UAN and mobile number, and generate an OTP.
Verify OTP: Verify the OTP received on your registered mobile number.
View Passbook: Once authenticated, you can access your EPF passbook through the app.
Keeping track of your EPF balance is a responsibility that comes with long-term financial planning. With the advancements in technology, checking your EPF balance online has become a hassle-free process. Whether through the official EPFO website, mobile apps like UMANG and m-Seva, or convenient services like SMS and missed calls, employees have multiple options to stay updated on their retirement savings. It is essential to leverage these digital tools to ensure financial security during the golden years of life. Take help from 5paisa for your investment.