EPF Balance Check : Step-by-Step Process

Employee Provident Fund (EPF) is a retirement benefits scheme available to salaried individuals. The Employees Provident Fund Organisation (EPFO) administers and oversees the funds of this scheme. Any company with over 20 employees is required by law to register with EPFO. This article will provide you with different ways in which you can check your EPF balance.

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TDS (Tax Deducted at Source) is a part of Income Tax. TDS should be dedcuted by a person for specific payments made.
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Check EPF Balance using EPFO Portal

Checking the EPF balance online is a very simple process. To check your balance through EPFO portal make sure that your employer has activated your UAN (Universal Account Number). Go to EPFO Portal

  1. Select the relevant options from the Menu:

    Go to Our Services > For Employees

  2. From the Services page:

    Click on Members Passbook

  3. In Memeber Passbook:

    Enter your UAN, Password and Captcha to log in,

Additionally, you can check your balance once you log in. 

Check EPF Balance by Missed Call

You can also check your balance on your mobile. This service is only available upon the integration of your UAN with your KYC details. 

  • Give a missed call to 011-22901406 from your registered mobile number.
  • After placing a missed call, you will receive an SMS providing you with your PF details.

Check EPF Balance using SMS

This retirement scheme is only available upon the integration of your UAN with your KYC details. 

  • Send an SMS to mobile number 7738299899.
  • You need to send the message as EPFOHO UAN ENG.

Check EPF Balance using EPFO App

However, before downloading the EPFO app, make sure that your UAN is active. 

  • Download and open the EPFO mobile app or Umang Mobile app
  • Enter your UAN and registered mobile number to get EPF Balance.  
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FAQs

What is EPF?

Employee Provident Fund is a retirement benefits scheme available to salaried individuals. Employees Provident Fund Organisation (EPFO) oversees and manages funds.

How can I get my EPF statement?

Click on My Account > the latest EPF statement. You can choose to save or print the statement. However, banks and financial institutions always require the latest statement so you have to make sure that you have accessed the latest statement.

Do all companies need to register for EPF?

No, only a company with over 20 employees is required by law to register with EPFO. It is optional for companies with less than 20 employees.

Can I check my EPF balance using Aadhar Number?

No, one cannot check the balance using Aadhar Number, this balance can be checked online by using UAN number.

Can I check my EPF balance from any mobile number by giving a missed call?

No, EPF balance can only be checked through a registered mobile number.

Can I use my PF number to check my EPF balance?

No, UAN number is required to check the EPF balance, PF number is not required for this process.

Got Questions? Ask Away!

  1. Hey @sushil_verma

    There are a wide range of deductions that you can claim. Apart from Section 80C tax deductions, you could claim deductions up to INR 25,000 (INR 50,000 for Senior Citizens) buying Mediclaim u/s 80D. You can claim a deduction of INR 50,000 on home loan interest under Section 80EE.

  2. Hey @Dia_malhotra , there are many deductions that you can avail of. Your salary package may include different allowances like House Rent Allowance (HRA), conveyance, transport allowance, medical reimbursement, etc. Additionally, some of these allowances are exempt up to a certain limit under section 10 of the Income Tax Act.

    For eg,

    • Medical allowance is exempt up to INR 15,000 on a reimbursement basis.
    • Children education allowance is exempt up to Rs. 200 per child per month up to a maximum of two children.
    • Conveyance allowance is exempt up to a maximum of Rs. 1600 per month.

    Tax on employment and entertainment allowance will also be allowed as a deduction from the salary income. Employment tax is deducted from your salary by your employer and then it is deposited to the state government.

  3. The benefit Section 80EEB can be claimed by individuals only. An individual taxpayer can claim interest on loan of an electric vehicle of up to INR 1.5 lacs u/s 80EEB. However, if the electric vehicle is used for the purpose of business, the vehicle should be reported as an asset, loan should be reported as a liability and the interest on loan can be claimed as a business expense irrespective of the amount. (We have updated the article with the changes).

    Thus, if you have a proprietorship business, you should claim interest amount as a business expense only if the vehicle is used for business purpose. However, if it is used for personal purpose, you can claim deduction of interest u/s 80EEB in your ITR since you would be reporting both personal and business income in the ITR (under your PAN).

    As per the Income Tax Act, the deduction under Section 80EEB is applicable from 1st April 2020 i.e. FY 2020-21.

  4. Hey @Sharath_thomas , we have updated the content according to the appropriate assessment year. Thanks for the feedback.

  5. Hey @shindeonkar95

    In case of capital gain income (LTCG/STCG), transfer expenses are allowed as deduction, except STT.

    However, in case of business income (F&O, intraday), all expenses incurred for the business (including STT) are eligible to claim deduction in ITR.

    Hope, it helps!

  6. Hello,

    Is it possible to claim deductions under S. 80CCF for Infra bonds bought in the secondary market and held to maturity?

    There were a number of 10 year infra bonds issued in the 2010- 2013 period, which will start maturing soon. These are all listed on the exchanges (although hardly any liquidity or transactions in them). If I were to buy some of these bonds in the open markets and hold them in my demat to maturity (<3 years), is it possible to claim tax deductions (upto 20k per year) under 80CCF for buying?

    I couldn’t find anything on this. Any help is appreciated.

  7. Hello @Veejayy,

    Yes you can claim deduction under 80CCF for investment made in specified infrastructure and other tax saving bonds bought in the secondary market and held to maturity.

    Deduction under Section 80CCF can be availed only through investment in certain tax saving bonds, issued by banks or corporations after gaining permission from the government which shall be restricted upto 10,000 per year.

    These bonds are generally long term bonds, having tenure of more than 5 years with a lock in period of 5 years in most of the cases. These bonds can be sold after the lock in period!

    Also, interest earned on these bonds will be taxable.

    Hope this helps!

  8. Hi, I need to file my income tax for FY21, I am using Quicko platform for filing, I wanted to confirm if the ELSS investment amount for the FY21 is to be added in the section 80C, since I already the amount of Rs30,072 , should I add my ELSS amount to this existing amount and submit the total

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