Skip to content

Independent. Unsponsored. Built for India.

Live rates Repo rate 5.25% USD/INR ₹95.88 Gold 24K (10g) ₹1,53,727 All rates
Advertiser disclosure. Some links on this page are partner links. They never change our rankings. Read how

Credsir earns money when you apply for a product through some of the links on this site. That revenue funds the research. It does not buy a placement: our rankings come from a published scoring method that runs on the same data for every product, partner or not. Products we do not earn from appear in these lists whenever they win on the numbers — and several currently do.

Government Services

UAN Passbook: How to Check PF Balance and Read Each Entry

Check PF balance with your UAN on the EPFO passbook portal, or by missed call to 9966044425 or SMS to 7738299899 without logging in.

RM

Written by Rohan Mehta

Published 19 September 2026·5 min read

On this page8 sections
Credsir Government Services guide cover with a id card icon

To check your PF balance with your UAN, log in to the EPFO passbook portal (passbook.epfindia.gov.in) with an activated UAN. Without logging in, give a missed call to 9966044425 or send an SMS to 7738299899 from your registered mobile. The passbook shows the employee share, the employer share, the pension (EPS) contribution and yearly interest for each member ID.

Key facts

Item Detail
Passbook portal passbook.epfindia.gov.in (needs an activated UAN and password)
Missed call 9966044425
SMS EPFOHO UAN to 7738299899
Toll-free helpdesk (passbook portal) 1800118005
Interest rate for FY 2025-26 8.25% a year, credited by 15 July 2026
Contribution rate 12% of wages each from employee and employer
Pension (EPS) share 8.33% of wages up to the ₹15,000 wage ceiling, which is ₹1,250 a month at most
Deadline to report errors 3 months from the annual statement’s publication on the portal

Four ways to check PF balance

1. EPFO passbook portal

Log in with your UAN and password. The same page shows claim status. EPFO’s own answer to “How can I know my PF balance?” is to activate your UAN and view the passbook. If your UAN is not active, activate it first through Aadhaar face authentication on the UMANG app.

2. Member e-Sewa portal

After EPFO moved all member records to its centralised CITES system in July 2026, the member portal shows membership details, PF balance, claim status and pensionable service in one place, as reported by All India Radio.

3. Missed call

Call 9966044425 from the mobile number registered with your UAN. The call disconnects on its own and you get an SMS with your PF details. ClearTax notes this works only when your UAN is linked to your KYC details.

4. SMS

Send EPFOHO followed by your UAN to 7738299899, for example “EPFOHO 100123456789”. ClearTax notes you can add a three-letter language code such as ENG at the end. Send it from your registered mobile.

Downloading the passbook

  1. Open passbook.epfindia.gov.in.
  2. Enter your UAN, password and the captcha, then sign in.
  3. Complete the OTP check if asked.
  4. Select the member ID you want. Each employer gives you a separate member ID under the same UAN.
  5. Choose the financial year and view or download the passbook.

EPFO also publishes an annual statement for each financial year on the portal. It shows the opening balance, contributions for the year, interest credited and the closing balance. Paragraph 30 of the EPF Scheme, 2026 gives you three months from its publication to report any error.

What each column means

Column What it records Example on ₹15,000 wages
Wage month The salary month the contribution is for —
EPF wages The wages on which PF is calculated ₹15,000
Employee share 12% of EPF wages deducted from your salary ₹1,800
Employer share The part of the employer’s 12% that goes to your PF ₹550
Pension contribution The employer’s 8.33% sent to EPS, capped at the wage ceiling ₹1,250
Interest Credited once a year for each share Shown as a year-end entry

The employer share and pension contribution together make up the employer’s 12%. The pension amount goes to the Employees’ Pension Scheme and is paid under that scheme’s rules, not with your PF balance. The EPF Scheme, 2026 makes PF contributions on wages above the ₹15,000 ceiling voluntary, ETV Bharat reported. A proposal to raise the ceiling to ₹25,000 has been cleared by the Finance Ministry but awaits Cabinet approval, according to Business Today. It has not been notified.

To see how your balance could grow, use the EPF calculator. Our EPF and VPF guide covers the scheme itself.

Why interest or employer share looks missing

ItemDetails
Interest appears once a year.Under paragraph 42, interest is calculated on the monthly running balance and credited on the last day of the year. Interest for 2026-27 will show only after the year closes and the rate is declared. For FY 2025-26, EPFO credited 8.25% into about 34 crore accounts by 15 July 2026. Our page on the PF interest rate tracks the current figure.
Employer share is smaller than yours.Most of the employer’s 12% goes to the pension column, so the employer PF column is lower.
No pension column at all.Anyone who joined after 1 September 2014 with basic wages above ₹15,000 a month can join PF but not the pension scheme. All 12% from both sides then goes to PF.
A month is blank.The passbook shows only what the employer has actually paid. EPFO says members also get an SMS when a monthly contribution is credited, so a missing SMS is an early warning.

Passbook not showing: common causes

Problem Likely cause What to do
Cannot log in UAN not activated Activate on UMANG with face authentication
Old job’s balance missing It sits under a different member ID Select that member ID, or file a transfer claim
No passbook for current employer Your employer runs an exempted PF trust Ask the trust; it must give you online access to your balance
Missed call or SMS gets no reply Mobile not registered with the UAN, or KYC incomplete Log in to the member portal and update KYC
Contributions missing for months Employer deducted but did not deposit Raise a grievance on EPFiGMS (epfigms.gov.in)

Frequently asked questions

How do I check my PF balance with my UAN number?

Log in to passbook.epfindia.gov.in with your activated UAN and password, pick your member ID and open the passbook.

Can I check my PF balance without the internet?

Yes. Give a missed call to 9966044425 or send “EPFOHO UAN” to 7738299899 from your registered mobile.

Why is this year’s interest not in my passbook?

EPFO credits interest once a year, after the year ends. The 8.25% for FY 2025-26 was credited by 15 July 2026.

What is the pension contribution in the UAN passbook?

It is the part of your employer’s 12% that goes to the Employees’ Pension Scheme: 8.33% of wages, capped at ₹1,250 a month on the ₹15,000 ceiling.

Why can’t I see my old company’s PF balance?

Each employer creates a separate member ID under your UAN. Select that ID in the passbook, or transfer the balance to your current account.

Is the passbook available if my company has its own PF trust?

Exempted trusts keep their own accounts. The EPF Scheme, 2026 requires them to give members online access to balances and issue annual statements within two months of the year’s end.

Sources

Related articles