PF Balance Check with UAN Number Without Password

Retirement planning, especially when PF balance check with UAN number without password, is a pivotal component of one's financial journey. The Provident Fund (PF) balance is significant in this preparation. The accumulation of funds in your PF account over your working years can translate into substantial financial security during retirement. 

The Employee Provident Fund Organization (EPFO) introduced the Universal Account Number (UAN) to facilitate this process. This unique identifier is assigned to each employee and serves as a gateway to many services related to your PF account, including the ability to check your balance easily.

This article will explore how to check PF balance without password and your UAN, highlighting the steps for each approach:

Checking Your PF Balance via the EPFO Portal

The EPFO portal is a secure and convenient platform to access your PF balance. Here's a detailed guide on how to access your PF balance through the EPFO portal, explained in simple terms: 

Step 1: Access the EPFO Website. To start, open your web browser and visit the official EPFO website. You can find it easily by entering "EPFO" in your preferred search engine. 
Step 2: Navigate to the "For Employees" Section. Once on the EPFO website's homepage, look for the section labeled "For Employees." Click on this section; it's specifically designed to cater to the needs of employees like you. 
Step 3: Select "Member Passbook." Within the "For Employees" section, you'll notice various services listed. Locate and select "Member Passbook" from the available options. This is the gateway to accessing your PF account information.
Step 4: You can access your PF balance after logging in and have detailed information about your contributions and withdrawals. This process is designed to be user-friendly, ensuring you can easily access all the important financial data you need. 

Furthermore, the EPFO portal also offers access to your PF passbook, a valuable resource for tracking all transactions related to your PF account. This lets you keep tabs on your contributions, accurately reflecting them in your balance.

UMANG App

Unified Mobile Application for New-age Governance, also known as UMANG app, is a remarkable initiative by the Indian government that offers a one-stop solution for a myriad of e-governance services, including checking your PF balance using your UAN.

Here's a step-by-step guide on how to check your PF balance through the UMANG app:
    • Download and install the UMANG app from your respective app store.
    • Locate and select "EPFO" among the services listed.
    • Under "Employee Centric Services," click on "View Passbook."
    • To access your PF balance, provide your UAN and the One-Time Password (OTP) received on your registered mobile number.

Apart from checking your balance, the UMANG app offers additional services related to the EPFO, including the ability to update your Know Your Customer (KYC) details and track the status of your claims. This consolidated platform simplifies the management of your PF account, ensuring that employees can effortlessly navigate their financial planning.

PF Balance Check by Sending an SMS

For individuals who prefer the simplicity of text messaging, the EPFO offers a quick and easy method to check your PF balance via SMS. 

    • Compose a text message with the following format: EPFOHO UAN <Your UAN number>
    • Send this message to the designated number 7738299899.
    • Within moments, you will receive an SMS containing comprehensive PF balance details, including contributions and withdrawals.

This method is particularly advantageous for employees without internet access or those who find using the EPFO portal or UMANG app challenging. It's important to note that standard SMS charges may apply when using this service.

PF Balance Check Through a Missed Call

The EPFO also offers a convenient missed-call service for checking your PF balance using your UAN. Here's how to utilize this service:

    • Ensure that your mobile number is linked to your UAN, which is essential.
    • From your registered mobile number, dial 011-22901406.
    • After a brief period of ringing, the call will disconnect on its own, and shortly afterward, you will receive an SMS having the details of your PF balance.
This service is available around the clock, allowing employees to check their PF balance conveniently. However, ensuring that your mobile number is correctly registered and linked to your UAN is crucial for this service to function as intended.

How one can check their PF Balance without using a UAN?

For those who do not possess a UAN, there are alternative methods to check your PF balance:

1. Visiting the EPFO Office

Visiting the Employee Provident Fund Organization (EPFO) office is a traditional yet effective way to obtain comprehensive details about your PF balance. Here's how this process typically works:

• Locate the Nearest EPFO Office: To get started, you'll need to identify the EPFO office closest to your location. You can usually find this information on the official EPFO website or by asking your employer for guidance.
• Gather Necessary Documents: Ensure you have the essential documents before visiting the office. These may include your government-issued identification, proof of employment, and any previous PF account details.
• Request a PF Statement: Once you arrive at the EPFO office, approach the designated counter or official assisting with PF-related queries. Politely request a PF statement or a statement of your provident fund account. You may need to fill out a form or provide specific details about your employment.
• Verification and Processing: The EPFO staff will verify your identity and employment details to ensure accuracy. This step is important to protect your account information.
• Receiving the PF Statement: After verification, you'll receive a PF statement. This statement typically contains detailed information about your PF contributions, withdrawals, interest earned, and current balance. Review the statement for accuracy and retain it for your records.
• Seek Clarifications: If you have any questions or concerns about the information in the PF statement, feel free to ask the EPFO staff for clarification. They can provide explanations and guidance on understanding the statement.

2. Contacting Your Employer

Another convenient way to access your PF balance information is by contacting your employer.
Contact you HR 

• Provide Your Details: When you contact the HR or Payroll department, be ready to provide your employee identification details, including your employee ID, name, and other relevant information.
• Request PF Balance Information: Politely request your PF balance information. You can specify if you need a statement for a particular period or if you want an update on your current balance.
• Verification and Processing: The HR or Payroll department will verify your details to ensure they provide information to the correct employee. This verification step is crucial for maintaining the security of your PF account.
• Receiving the Information: The HR or Payroll department will share your PF balance information once your details are verified. They may provide it in a statement or through an official communication.
• Ask for Clarifications: If you have any questions or require additional details about your PF balance, don't hesitate to seek clarification from the HR or Payroll department. They can assist you in understanding the information provided.

How to Check EPF Balance of Exempted Establishments/Private Trusts

While the methods outlined above apply to employees registered with the EPFO, there are scenarios where an establishment or company manages its provident fund through a private trust. In such instances, the EPFO does not have information on your PF balance. 

Instead, you must refer to the respective trust for updates regarding your contributions and withdrawals.

Below is how you can check your PF balance if you are an employee of an exempted establishment or a private trust:

• Contact your HR department or accounts team to obtain information about the trust that manages your PF.
• Once you have the relevant details, visit the website or portal of the respective trust.
• Log in using your provided credentials and navigate to the section designated for checking your PF balance.
• Enter your employee ID or PF account number to access your balance.
• Alternatively, you can access your PF statement online, offering a comprehensive overview of all transactions related to your account.
 

Ways to check EPF balance for inoperative EPF accounts

If you have an inoperative Employee Provident Fund (EPF) account, keeping tabs on your balance for retirement planning is crucial. Here are some methods to check your EPF balance for inoperative accounts:
• Contact the EPFO Office: You can visit the nearest EPFO office and request a statement of your inoperative EPF account. They will provide you with comprehensive details of your balance.
• Reach Out to Your Previous Employer: Another option is to contact your former employer. Employers typically maintain records of their employees' inoperative EPF accounts, and they should be able to provide you with the necessary information regarding your balance.
• Check Online (if available): In some cases, the EPFO may have made provisions for checking the balance of inoperative accounts online through their portal. If this service is available, you can follow the same steps as checking a regular EPF account balance online.
 

Is e-Nomination Process for PF Account Mandatory?

While the e-nomination process for PF accounts is not mandatory, it is highly recommended that employees complete this crucial step. Nomination entails declaring an individual who will receive your PF balance in the event of your passing. Ensuring a nominee is in place guarantees that your hard-earned funds do not become entangled in legal procedures and reach your loved ones as intended.

Below are some important aspects to consider regarding the e-nomination process for PF accounts:
• The e-nomination process can be efficiently completed online via the EPFO portal or the UMANG app.
• You can nominate up to five individuals, and each will receive an equal share of your PF balance in the unfortunate event of your demise.
• You can update your nominees anytime by accessing your account and making the necessary adjustments.
• In cases without nomination, the EPFO will distribute your PF balance among your legal heirs based on prevailing succession laws.

Completing the e-nomination process is a straightforward yet critical action, not just for how to check PF balance with UAN number without password, but also to ensure your loved ones receive your PF balance without complications. 
 

How to Submit an e-Nomination in EPFO

To initiate the process of submitting an e-nomination in the EPFO, you can follow these simple steps:

• Access the EPFO portal or download the UMANG app.
• Navigate to the "e-nomination" section and click "Add Family Member."
• Enter the pertinent details of your nominees, including their names, relationships to you, dates of birth, addresses, and Aadhaar numbers.
 • Allocate the percentage of your PF balance you wish to assign to each nominee (with a maximum of 100%).
 • After adding all your nominees, click "Proceed for e-nomination."
 • Review the details provided and confirm your e-nomination request.

After successfully submitting your e-nomination request, you will receive a confirmation message and ensure your PF balance check without password. You can view or edit your nominees anytime by logging into your EPFO account or using the UMANG app.

Conclusion

Whether employed by an organization registered with the EPFO or an exempted establishment or private trust, tracking your PF balance is essential to your retirement planning. The EPFO has established various convenient methods to cater to employees' diverse needs and preferences. From online portals and mobile apps to SMS and missed call services, numerous ways exist to keep tabs on your PF balance, even without immediate access to your UAN.

By staying proactive and engaged with your PF account, you take significant steps towards securing your financial future and ensuring that your retirement is marked by financial stability and peace of mind. Embrace these methods to remain informed about your PF balance and embark on your journey toward a secure financial future.