My passbook shows ₹0 for recent months. Is my employer not depositing?

Possibly. Employer is legally required to deposit 12% of your basic salary to EPF every month. If passbook shows zero contributions, contact your HR/payroll department. If employer is defaulting, complain at the nearest EPFO office or file online complaint at epfigms.gov.in. This is illegal and EPFO can penalize the employer.

I changed jobs. Why cant I see old company PF?

If you transferred your PF (Form 11 at new employer), old company balance merges with new UAN and appears in the same passbook. If not transferred, old balance sits under the previous employer. Initiate transfer at unifiedportal-mem.epfindia.gov.in → Online Services → Transfer Request.

EPF balance includes interest?

Yes. Your passbook shows: employee share, employer share, and interest credited annually. Interest rate for 2024-25 is 8.25% — declared by EPFO each year. Interest is credited to your account in the next financial year (usually September-November).

Updated: March 2026

💰

How to Check EPF Balance — 4 Easy Methods

Check your Provident Fund balance in 30 seconds using UMANG app, EPFO portal, SMS, or missed call — no need to visit the PF office

UMANG App

Instant

SMS

Send to 7738299899

Missed Call

011-22901406

Portal

epfindia.gov.in

📋4 Ways to Check EPF Balance

UMANG App (Fastest)

Download UMANG app → login with UAN + password → EPFO section → View Passbook → see balance, employer contribution, employee contribution, and interest earned. Most detailed view.

EPFO Portal — epfindia.gov.in

Visit unifiedportal-mem.epfindia.gov.in → login with UAN + password → click 'View Passbook' under 'Our Services'. Shows month-wise contribution details.

SMS (without internet)

Send SMS: EPFOHO UAN ENG to 7738299899. Replace ENG with your language code (HIN for Hindi, TAM for Tamil). Reply comes in 1-2 minutes with your PF balance. Works on basic phones.

Missed Call

Give a missed call from your UAN-registered mobile to 011-22901406. You receive an SMS with your last PF balance. No internet needed. Only works if your UAN is activated and linked to your mobile.

🔑How to Activate UAN (If Not Done)

Your UAN (Universal Account Number) must be activated to check balance online. If not activated:

Step 1: Visit unifiedportal-mem.epfindia.gov.in → click 'Activate UAN'.

Step 2: Enter UAN (get from your employer or salary slip), Aadhaar number, name, date of birth, and mobile number.

Step 3: OTP sent to your mobile → enter OTP → set password.

Step 4: UAN is activated. Now login with UAN + password to access all EPFO services.

If you don't know your UAN: Ask your HR department — it's printed on your salary slip. Or visit epfindia.gov.in → 'Know Your UAN' → enter employer establishment code + your details.

❓Frequently Asked Questions

EPF Withdrawal Guide →Gratuity Guide →NPS vs EPF vs PPF →

EPFO processes and interest rates change annually. Check epfindia.gov.in for latest updates.