How to Check PF Balance Through EPFO Portal in 2025

 

Monitoring your provident fund (PF) savings is essential for effective financial planning. Knowing how to check PF balance ensures that employees stay informed about their retirement savings and employer contributions. The Employees’ Provident Fund Organisation (EPFO) has simplified this process through digital platforms accessible to all registered members.

Checking your PF balance online

In 2025, the EPFO portal remains the most reliable way to track your PF account. To view your balance:

1. Visit the official EPFO portal and click on “Our Services” → “For Employees”.
2. Select “Member Passbook”.
3. Log in using your Universal Account Number (UAN) and password.
4. Once logged in, you can view your contributions, interest accrued, and current balance.

Alternatively, members can use the UMANG app or send an SMS with the format “EPFOHO UAN ENG” to 7738299899 to receive balance details instantly. These digital services help maintain transparency and easy access to your savings information.

When to check your balance before EPF withdrawal

Before initiating an EPF withdrawal, it is advisable to check your passbook to confirm the latest contributions made by both you and your employer. This ensures there are no discrepancies before submitting a withdrawal request. You can make a full withdrawal upon retirement or after two months of unemployment, while partial withdrawals are permitted for specific purposes such as home purchase, education, or medical expenses.

Using fixed deposits for short-term financial goals

While EPF is primarily for long-term savings, short- to medium-term financial goals can be met through options like the Bajaj Finance Fixed Deposit. It offers guaranteed returns of up to 7.30% p.a. for senior citizens and 6.95% p.a. for others. With tenures ranging from 12 to 60 months and flexible payout options, it complements your retirement savings by ensuring liquidity and predictable growth.

Conclusion

Knowing how to check PF balance helps track progress towards your retirement goals and ensures transparency in your savings. Before making an EPF withdrawal, reviewing your balance and supplementing your corpus with stable options like Bajaj Finance FD ensures a well-rounded financial strategy.