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How to Check EPFO Passbook Balance (2025) — Practical & Updated
Employees’ Provident Fund (EPF) is an essential retirement instrument for salaried Indians. The EPFO passbook (digital) summarizes contributions, interest, transfers, and withdrawals. This guide is written in plain language with practical steps, quick checks, and ready-to-use examples so you can verify your balance confidently in 2025.
Quick comparison — How to check EPF balance
| Method | Speed | Internet Required | Where it’s useful |
|---|---|---|---|
| EPFO Passbook Portal (passbook.epfindia.gov.in) | Fast (detailed) | Yes | Full transaction history, download PDF |
| UMANG App | Fast (mobile-friendly) | Yes | On-the-go checks, raise service requests |
| SMS | Instant | No | Quick balance snapshot |
| Missed Call | Immediate | No | Works when internet is unavailable |
| Employer/HR | Varies | No | For exempted establishments/company trusts |
Step-by-step: EPFO Passbook Portal (web)
- Activate/Confirm your UAN: Ask HR for your UAN or check your payslip. If you don’t have one, raise the request with your employer.
- Set/Reset Password: Visit the EPFO unified portal or the passbook portal and use the “Forgot Password” if needed. Keep your registered mobile handy for OTPs.
- Complete KYC: Link Aadhaar, PAN and bank account from the UAN profile for full access.
- Login to Passbook Portal: Go to passbook.epfindia.gov.in, enter UAN and password, solve the captcha, and log in.
- Select Member ID: If you had multiple employers, pick the Member ID you want to view.
- Download/Save: Click Download to get the passbook in PDF for offline records.
Note: Passbook entries are usually updated monthly. If you don’t see the latest contribution, wait 24–48 hours after salary credit or ask your employer to upload ECR (Electronic Challan cum Return).
UMANG App — Mobile-friendly method
- Download UMANG from Play Store / App Store and register using the mobile number linked to UAN.
- From the dashboard, choose EPFO → Employee Centric Services → View Passbook.
- Enter UAN and verify with OTP. Select the Member ID and view month-wise entries. Download option is available to save a PDF on your phone.
SMS & Missed Call — Quick checks without internet
If your mobile number is registered with EPFO (linked to your UAN), you can use SMS or missed call services.
| Service | What to send/call | From | Response |
|---|---|---|---|
| SMS | EPFOHO UAN ENG (replace ENG with your language code) | Send from registered mobile to 7738299899 | SMS with balance summary |
| Missed call | Give a missed call to 9966044425 | From registered mobile | Auto SMS with balance |
Supported language codes include ENG, HIN, PUN, MAR, BEN, KAN, MAL, TAM, TEL, GUJ, and more. The service is free but available only from the number registered with EPFO.
What details will you find on the passbook?
- Member ID & UAN: Identifiers for your PF accounts.
- Monthly contributions: Employee and employer monthly deposits.
- Interest credited: Yearly/quarterly interest as notified by government.
- Withdrawals/claims: Any advances, partial withdrawals or final settlements.
- Balance: Running total for each month and opening/closing balances for the year.
Practical checklist before you check your passbook
Real-world example (walkthrough)
Rita wants to check last 12 months’ contributions. She logs into the passbook portal with UAN, selects the Member ID for her current employer, and downloads the PDF. She cross-checks amounts month-wise with salary slips and flags two missing months to HR. HR confirms delayed ECR and re-submits; Rita sees the update after 48 hours.
Common issues & how to fix them
| Problem | Possible cause | Fix |
|---|---|---|
| Unable to login | Wrong password/OTP or UAN inactive | Use “Forgot Password” or contact employer to activate UAN; try after 30 minutes if OTP fails |
| Passbook not updated | Employer has not uploaded ECR or processing delay | Confirm with payroll/HR; wait 24–48 hours after ECR submission |
| SMS/missed call failing | Call/SMS not from registered mobile | Use the mobile number linked to UAN or ask employer to update |
| Multiple Member IDs but missing previous employer data | Accounts not transferred/merged | Raise transfer request from UAN member portal under “One Member — One EPF Account” |
Security & best practices
- Do not share UAN password or OTP with anyone.
- Use a unique strong password and change it periodically.
- Always logout after using public/shared devices.
- Prefer UMANG or the official portal — avoid third‑party websites claiming PF downloads.
- Keep mobile number updated on UAN to receive timely OTP and alerts.
Frequently Asked Questions (FAQ)
A: Interest is typically notified annually by the government and credited to accounts as per EPFO schedule — check your passbook for credited entries.
A: For digital services UAN is required. However, your employer can provide a statement or the trust (if exempted) can provide details.
A: Update the number via your employer or the UAN portal (with required verification). Until then use the old number or requests via HR.
A: Raise a grievance with EPFO, keep salary slips as evidence and coordinate with HR. EPFO may initiate an inspection/inquiry if fraudulent activities are reported.
Useful links & contact points
- EPFO Passbook Portal: passbook.epfindia.gov.in
- UMANG App (install from Play Store / App Store)
- EPFO Grievance Portal and Helpdesk: Toll free 1800118005
Always verify the URL and use the official government portals/apps. If in doubt, contact your HR or EPFO office for confirmation.
Final thoughts — Smart monitoring for a secure retirement
Checking your EPF passbook regularly is a small habit with long-term benefits. Keep records, resolve mismatches early, and use the official digital tools to simplify tracking. If you manage your EPF proactively, you avoid surprise gaps at the time of retirement.
References & Notes
This guide is a practical compilation based on official EPFO services and general public resources. For policy-level changes or legal interpretations consult EPFO notifications and circulars directly.
