Understanding Option Chain

How to Check PF Balance Online

EPFO (Employee Provident Fund Organization) now provide facility to Check PF Balance Online for its members. I remember 10 year ago, we used to get 1 slip from EPFO every year in the month of October which provided PF balance details.  To avoid frauds and to keep a check whether your organization is depositing PF contribution on time, you can check PF balance online. Just to add that terms PF (Provident fund) & EPF (Employee Provident Fund) are same & used interchangeably.

To check PF balance online, following information should be available with you

PF Number

It is mentioned on salary slip or you can request your HR to provide the same. PF Number will be similar to following format

XY/AAA/BBBB/CCC/DDDDD

XY: Region Code

AAA: Office Code

BBBB: Establishment Code (Max 7 digits)

CCC: Extension (Max 3 Characters). Extension is optional and may not be there in many PF accounts. By default its 000.

DDDDD: Your PF Account No (Max 7 digits)

Details of PF Office 

It is not necessary that your PF office is located in same state or city where your office is. In my previous organization, my office was in Mumbai where as PF office was in Delhi because company was registered in Delhi. Please ask your HR to provide city and state of EPFO where your PF account is maintained.

check PF Balance online
check PF Balance online

Now lets find out how to check PF balance online. Its very easy and simple process.

Step 1: visit http://www.epfindia.com/

Step 2: Click on “Know your EPF Balance” option no 3 under “For Employees” section

Step 3: You will be directed to “Know your EPF Balance” page, it will give few instructions regarding the service. At the bottom of page, kindly select “Click Here to Know the balance”

Step 4: On the next page “Select PF Office State

Step 5: Screen will show the list of EPFO office in the state selected by you. Click on “Office Name” Where your PF account is maintained

Step 6:  Enter your Employee PF Account Number as explained above, your Name (as appears in EPF slip) & your Mobile no

Step 7: Agree to Terms & Conditions by clicking check box against I Agree & Submit the form

Step 8: You will get following confirmation on the screen

STATUS for Member ID: XY/AAA/BBBB/CCC/DDDDD

Your EPF balance has been sent through SMS on your specified mobile number. You shall receive the SMS shortly.

**Data updated till 16-12-2013 06:43:41

Step 9: Within few secs, you will receive your PF account balance through SMS on your mobile. SMS will provide complete details i.e. break up of employee & employer contribution and date till which PF balance is updated.

Its hardly 5 mins job to check pf balance online. If you have any query/comments on how to check PF balance online, kindly post it in following comments section.

 Copyright © 2011-2013 Nitin Bhatia. All Rights Reserved.

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Binoy
Binoy
10 years ago

It is showing name mismatch, when i give my full name as per company records!

Nitin Bhatia
Nitin Bhatia
10 years ago
Reply to  Binoy

Immediately bring it to the notice of your company’s HR Manager and give a written/email request to get it corrected in EPFO records else at the time of transfer or withdrawal you will face problem.

Teja
Teja
10 years ago

Hi Bhatia, good info’. However, the Govt ignored a very important and critical information that is required to use this facility; that is, from which year onwards these records are available online. No body has info’ reg what is the cut off year. PF was started some where in the 1970’s. But online records are available for PF accounts opened from year…. don’t know :(

Nitin Bhatia
Nitin Bhatia
10 years ago
Reply to  Teja

For all the “Active” EPF accounts, information is available online from the date of opening of PF account. Infact, you will receive UAN (Universal Account No) shortly i.e. you need not to transfer PF account at the time of chaning job.

Mallireddy
Mallireddy
9 years ago

MH/1060/014163 ….Hi sir,this is my EPF number .I can’t bake to check my pf balance at online..please help me….

Nitin Bhatia
Nitin Bhatia
9 years ago
Reply to  Mallireddy

I would request readers not to share personal info on public forum to protect privacy.

To check balance, Mob no & other info is also required. I request you to follow the steps mentioned in this post to check your PF balance online.

Arun
Arun
9 years ago

Hi Nitin, I am in a dilemna now. I have completed 9 years 2 months in a company in Bengaluru. Now, I am leaving that and joining a different one.

Question is: Should I withdraw EPF and EPS. Can EPS be withdrawn.
Also, will I be able to transfer only EPS and withdrawing EPF. And, lastly is it worth transferring EPS given that option.

Nitin Bhatia
Nitin Bhatia
9 years ago
Reply to  Arun

You can withdraw both EPF and EPS but i will suggest you to save this corpus for your retirement.

Recently EPFO has issued 12 digit UAN (Universal Account No) to all the members. I am sure your organization must have received your UAN from respective EPFO. Now you need not to transfer your EPF as you can provide your UAN to your new employer and they will link your new EPF no to your UAN. Once new EPF no is linked to UAN, The EPF proceeds of existing EPF no will automatically transfer to new EPF no without any hassle along with EPS.

Arun
Arun
9 years ago
Reply to  Nitin Bhatia

Thanks a lot Nitin. Appreciate it.

I am having a Plot Loan (no tax exemption) and hence, was in a dilemna to either withdraw and pay towards the loan. Financially, it looks worth comparing 8.25% with 10.25% of my loan.

Do you suggest me still to go ahead by transferring it. Is it really worth at the time of retirement.

Nitin Bhatia
Nitin Bhatia
9 years ago
Reply to  Arun

In my opinion, we should not dip into EPF and it should be reserved solely for retirement purpose. Though financially, it makes sense to clear loan with 10.25% ROI but at the same time, you should have financial road-map to save equivalent amount for retirement.

Sreenath
Sreenath
9 years ago

Hi Nitin,
I am working for Software company and my organization maintains PF through Trust, when i try to check my balance using the EPF number mentioned in the payslip i am getting error as Invalid Number/member name. Can you let me know as our organization is having PF Trust so the details will not apear in Govt site or do i need to inform any one

Nitin Bhatia
Nitin Bhatia
9 years ago
Reply to  Sreenath

PF details of PF Trust will not reflect on EPFO site. You can contact your HR for any query related to your PF account.

Yusuf Hassan
Yusuf Hassan
8 years ago

Sir

I worked for a company which deducted my PF and reflected it in my salary slip as well. I changed my company and did not opt for PF here. What is the time after which my PF a/c will become dormant?

Do I need to open a new PF a/c if I opt for PF with new employer as well? I’ve my UAN and PF Details. I think it’s better to link the old a/c to avoid additional documentation etc.

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Yusuf Hassan

A PF account become dormant if there NO contribution for 36 consecutive months. You may open PF account with new employer and link to existing UAN.

ameet
ameet
8 years ago

Hi Nitin,

1. a. I was working in CMC which later got merged into TCS and now am working in CTS.
after merging we were told that the PF details and amount of TCS will be updated with the PF details of CMC but its still not updated. Now am in dilemma whether to transfer my previous PF accnt to the new employer or shall i wait for the updation of PF details.

b. Can i transfer both(CMC,TCS) previous PF accnt’s to the new employer

2. a.When i try to check balance of PF accnt on net am getting error for name mismatch.
b. but when i sent a msg for my pf balance, i got the msg with correct details other than the balance showing zero. How is it possible ? I have been working since 5.4 yrs.

3. When i tried to check the eligibility for OTCP it was showing error for TCS and CTS PF accnts that membership details not available on the portal.

Plz help me with this. awaiting your reply.

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  ameet

1. (a)You may link through UAN
(b) It is not required, UAN will be single account no
2. Seems your name is not correctly entered
3. You may contact HR of concerned organization to sort this out.

ameet
ameet
8 years ago
Reply to  Nitin Bhatia

please reply for 2b as well
when i sent a msg for my pf balance, i got the msg with correct details other but the pf balance showing zero. How is it possible ? I have been working since 5.4 yrs.
and the name in the msg I got on my mobile was correct to which I was getting error “name mismatch”.

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  ameet

It seems the PF account is not linked to the UAN therefore balance is 0.

ameet
ameet
8 years ago
Reply to  Nitin Bhatia

OK. After employer has linked UAN to our PF accnt. do we need to activate UAN for the memberid i.e pf account each time on UAN portal ?

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  ameet

There is no action from your end. You should provide UAN to your employer and they should link PF account with your UAN.

ameet
ameet
8 years ago
Reply to  Nitin Bhatia

Hi Nitin, How to check PF balance ? my pf account is maintained with my employer who has its own exempted establishment(i.e Trust). Not able to chk online.

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  ameet

Every year, employer should issue PF receipt to employees mentioning opening balance, contribution of employer/employer, interest earned and closing balance. If your employer is not sharing then you may demand the same.

Vandna Arora
Vandna Arora
8 years ago

Hi Nitin, My PF Account Number is of 2004. Can it be possible to check the PF balance online. I tried many time, but I couldn’t. Can you please help me…

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Vandna Arora

You have not mentioned whether it is linked to UAN or not.

Vandna Arora
Vandna Arora
8 years ago
Reply to  Nitin Bhatia

Thank you for your kind response. No, it is not linked with UAN.

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Vandna Arora

If you have all the details then you can link the account to UAN. After that you can check the balance online.

Vandna Arora
Vandna Arora
8 years ago
Reply to  Nitin Bhatia

I am not able to do it. can you please help me how to do it?

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Vandna Arora

The UAN details are private and confidential. I cannot do it on your behalf.

Yusuf Hassan
Yusuf Hassan
8 years ago

Hi Sir

I’ve two EPF a/c and both are linked under my UAN. Do I need to transfer PF from my old a/c to my new a/c? Is it required since now both my a/c are now linked via a common UAN,

Nitin Bhatia
Nitin Bhatia
8 years ago
Reply to  Yusuf Hassan

No action required from your end. The amount will be automatically transferred from old account to new account.

Anand Periyasamy
Anand Periyasamy
7 years ago

Hi Sir,
Just i want to know whether i can take PF loan for purchasing Agricultural land of 1 Acre

Nitin Bhatia
Nitin Bhatia
7 years ago

It is not clear whether you are referring to PPF or EPF.

Anand Periyasamy
Anand Periyasamy
7 years ago
Reply to  Nitin Bhatia

from EPF

Nitin Bhatia
Nitin Bhatia
7 years ago

You cannot withdraw EPF for purchase of agricultural land. You can withdraw EPF for purchase of residential land.

Saurabh
Saurabh
7 years ago

Hi Nitin,
I was working in a company where the PF contribution was given to the government which I was able to see online. Now, I have switched company and have linked my UAN also. But, the issue I am facing is that I can not see my PF balance (it seems my organization maintains a trust for the same). My question is:
1. Will I be able to withdraw my PF contribution of previous organization now? If yes, How.
2. I worked for 4 years 9 months in the previous organization. Will the final amount be taxable for me?
3. Can I continue with both the PF accounts without contributing to one (since one was government and current is trust) without my account being blocked?
Regards

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Saurabh

1. No. You can withdraw only for specific purposes. You can transfer the balance to your existing EPF account.
2. Yes
3. You can continue and will continue to earn interest on old EPF account. In my opinion, you should transfer.

Saurabh
Saurabh
7 years ago
Reply to  Nitin Bhatia

Sir, that is the problem I am facing. The new PF account (since it is for a trust) is not identifiable in the PF site (UAN) and gives error as not able to identify the account. The UAN site still shows only my old PF account linked to my UAN. Even I want to transfer my account but I am stuck as even though the new PF account shows my UAN in my payslip but I am not sure whether the actual transfer has happened or not going by the UAN website. Totally confused with this Trust thing.

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Saurabh

Once the transfer is completed, the transferred amount will reflect in your PF account balance.

gaurav gautam
gaurav gautam
7 years ago

sir,

when i input my details it always shows invalid credentials or invalid data
plz help me out for the same.

thnanks

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  gaurav gautam

The details seems to be incorrect.

Gaurav
Gaurav
7 years ago
Reply to  Nitin Bhatia

No sir the uan no and the epf number which is provided by my company i only enter those details with my phone number but confusion is that my number is not regustered as i check online so thats why i m not able to check balance so what should i do???

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Gaurav

In this case, you may approach your employer. It seems that details are not updated correctly by your employer.

Nitin Bhatia
Nitin Bhatia
7 years ago

It seems your account details are not entered correctly. You may check your annual PF receipt for mismatch and request the respective trust to correct in the records.

Kumar Nandan
Kumar Nandan
7 years ago

how can i check my pf balnce, as i am working with TCS which is under exempted trust.
Plz suggest.

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Kumar Nandan

You may approach your HR for the same.

Rekha S Patil
Rekha S Patil
7 years ago

I don’t know how was my mobile no at that time of EPFO Registration. so how i will check my PF account balance please tell me.

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Rekha S Patil

You cannot check as you need OTP.

Mukesh Kudiya
Mukesh Kudiya
7 years ago

What is it ? and where to find it EPF Slip (as appears in EPF slip)

Nitin Bhatia
Nitin Bhatia
7 years ago
Reply to  Mukesh Kudiya

EPF Slip is shared by your employer every year.

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