What is the Procedure of PF Balance Check

Narendra Kumar

28 May, 2019

A person who is involved in the job sector must have heard the term PF.  Well, PF is properly abbreviated as the provident fund. The question is what a provident fund is? Provident fund is an amount that is composed by the employee in the form of a contribution during his or her working period. The basic rate of provident fund is 12% of the basic salary of the employee. The best part about the provident fund is that it is equally contributed by the employer. Furthermore, while contributing to the provident fund, the employee can also raise the percentage. in this article we will discuss PF Balance Check.

In simple words, we can say that he can also contribute more than 12% to the provident fund. Provident fund plays an important role because when the person gets retired he or she gets an amount in the form of pension.

Advantages of PF Fund:

There are several advantages of the provident fund which are as follows:

• You can easily select a Nominee for your PF balance fund account. The nominee will get the pension amount in case of your death.
• After retirement, you will get a fixed income without doing any sort of work
• You can also invest more than the basic percentage of your salary
• Under the provident fund scheme, you also get the life insurance cover
• Contributing to the provident fund is not compulsory but still, it is suggested for your benefit
• After completing 60 years if you withdraw your provident fund then you can easily avail both EPS and EPF
• In case of an emergency like job loss, wedding, loan repayment etc, you can also withdraw your provident fund balance or PF Balance.
• The best part about provident fund account is that there is no need to open a new one. you can easily link the old account

Contributions deposit:

The percentage of deposition of provident fund amount is different for both employee and employer. The 12% that is contributed by the employer gets deposited in his or her provident fund account. On the other hand from that 12% of employee’s contribution, 8.33% gets deposited in the pension scheme and the rest 3.67% gets deposited to the provident fund account.

How to Check PF balance?

There are four methods through which you can check your PF balance and the methods are:

• Using EPFO Portal
• Sending an SMS
• By giving a Missed Call
• By using the EPFO app

Let’s discuss each in brief:

Check PF Balance by EPFO Portal:

Step 1. First of all, you are required to visit the government EPF portal

Step 2. Next step to be followed is to choose the Location of the PF Office (state, regional branch office)

Step 3. Enter all the details including the EPFO account number (Given on Payslip) in the online form appear

Step 4. After entering the details you need to verify them and then submit them.

Step 5. If the details entered by you are correct and the procedure is correct then you will receive your EPF balance details in the form of an SMS to the Mobile Number registered by you.

Checking PF balance by sending an SMS:

If you are willing to check your PF balance through and SMS then it is important that you have integrated you over UAN number along with all the KYC details. Once your UAN number is linked with the KYC details you need to:

Type EPFOHO UAN ENG and send it as an SMS to the mobile number 7738299899.

Remember, the last three characters will state your language preference. In the above example, we have stated ENG that means we want to receive the SMS in the English language. You can also choose your other preferred language by entering the first three characters of the language name. This facility is available in different languages including English, Hindi, Punjabi, Gujarati, Marathi, Kannada, Telugu, Tamil, Malayalam, and Bengali. Now suppose you want to receive the SMS in the Marathi language then you need to type EPFOHO UAN MAR.

Checking PF balance through a missed call

Call to the authorized number. Remember you need to give the missed call by using your registered mobile number only. For this service also it is important to integrate your UAN number with the KYC details.

The number on which you need to give the missed call is 011-22901406. Once you placed the missed call you will receive an SMS having all the details regarding your PF balance.

Checking PF balance by using the EPFO application

The next procedure through which you can take your PF balance is using the EPFO application. First, you need to download the “m-sewa app of EPFO” that is available at Google Play Store.

After downloading the application, hit on the member option and then go to the ‘Balance/Passbook’ option as well.  A new page will appear in front of you where you need to mention your UAN and registered mobile number.  Once the details entered by you are verified you will be able to check your PF balance easily.

Online procedures for PF balance withdrawal:

You can withdraw your PF balance by two methods: Submitting the physical application or by submitting the online application.  Here we have given the steps for both the methods. Check out

Submitting a physical application for PF balance withdrawal:

First of all, you need to download the new composite claim (Aadhaar)/ composite claim form (Non-Aadhaar) by visiting https://www.epfindia.gov.in/site_en/Downloads.php

If you have downloaded the new composition claim form (Aadhaar) then you can easily submit it to the respective EPFO office without attesting it from the employer.  But in case of the new composite claim form (Non-Aadhaar), it is important that before submission the form is attested by the employer.

Withdrawal of PF balance through the online application

• In order to submit an online application for PF balance withdrawal, it is important that you are having an activated UAN (Universal Account Number) that is linked with your KYC.
• Now you need to visit the UAN portal .
• From the homepage appeared, login to your UAN account by entering the captcha code and password
• Hit all the manage tab and then choose KYC.  Thereafter the system will verify your KYC details are correct or not.
• Once all the details are verified you need to hit on the online services tab and then from the dropdown menu choose claim option
• A new screen stated as that claim screen will appear along with all the details of the member including the KBC and other services.  To submit the claim form you need to hit on the ‘Proceed For Online Claim’
• Now the claim form will appear on the next screen, you need to select the claim form from the options given under the ‘I Want to Apply For’ tab as full EPF Settlement, EPF Part withdrawal (loan/advance) or pension withdrawal. In case a person is not eligible for the services then the options will not appear on the screen.

Online Procedure for PF Balance Payment:

From September 2015 it becomes necessary for all the organizations to pay provident fund online.  The employer can either pay the PF balance by visiting the EPFO website or through any other authorized bank website. An employer can only pay through the authorized bank website if the bank has allowed direct payment from the website. Currently, there is a total of 10 Bank that is tied up with the motive to arrange PF balance easily. The banks are SBI, PNB, Indian Bank, Allahabad Bank, Union Bank of India, Bank of Baroda, HDFC Bank, ICICI Bank, Axis Bank, and Kotak Mahindra Bank.

Step for Online PF balance payment

First, if you are willing to pay the PF balance online then here are some simple steps you need to follow.

• Login to the EPFO portal i.e. https://unifiedportal-emp.epfindia.gov.in/epfo/
• A new page will come out along with a dialogue box stated as establishment sign in.
• Enter username and password and then hit on the sign in button
• Now you need to go to the payment option and then from the dropdown list hit on the ECR upload tab.
• The next step to follow is to select ‘Wage Month’, ‘Salary Disbursal Date’, Rate of contribution and upload ECR text file
• The system will start validating the file you have uploaded. If the file uploaded is validated successfully then you will see a message as ‘File Validation Successful’.  In case the file is not validated then you will see an error and at that time you need to correct the file and upload it again. In order to process the next step, it is important that the file got successfully validated.
• On the same page, you will see the TRRN generated file along with the verify tab
• You need to hit on the verify tab and then you will be navigated to the new page having the option to prepare challan for generating the ECR summary sheet.
• Hit on the verify tab and then enter  Admin/Inspection Charges  in the dialogue box and then hit on ‘Generate Challan’ Button
• To verify the challan amount you need to hit on the ‘Finalize’  option available there
• Now, against the appropriate TRRN, you need to hit on the ‘pay’  option
• The next step to follow is to choose the payment method,  select an online payment method and then choose your bank from the dropdown menu
• Hit on continue and then you will be navigated to a new page where you will be required to enter the login credentials and complete the Payment procedure
• Payment is successful you will receive the e-receipt or Transaction ID
• The transaction done by you will be updated  at EPFO Portal
• And finally, the bank will provide the payment confirmation against the TRRN number.
• Hence this was the procedure for PF balance payment online.