How to check your EPF balance and download the passbook (2026)
You can check your EPF balance in four ways: the EPFO passbook portal, the UMANG app, a missed call, or an SMS — all keyed to your Universal Account Number (UAN). Only the portal and UMANG let you download the full passbook PDF with the month-by-month contribution ledger.
The four ways, compared
| Method | What you need | Gives you a PDF? |
|---|---|---|
| Passbook portal — passbook.epfindia.gov.in | UAN + password | Yes — full passbook |
| UMANG app | UAN + registered mobile OTP | Yes |
| Missed call to 9966044425 | UAN-linked mobile | No — SMS balance only |
| SMS EPFOHO UAN ENG to 7738299899 | UAN-linked mobile | No — SMS balance only |
The missed call and SMS routes return only the latest balance and last contribution. For anything you need to keep — a home-loan file, an NRI account review, a dispute with a past employer — download the passbook.
Downloading the passbook, step by step
| Step | Do this |
|---|---|
| 1 | Activate your UAN once at unifiedportal-mem.epfindia.gov.in if you never have — you need it printed on a payslip or from HR. |
| 2 | Go to passbook.epfindia.gov.in and log in with your UAN and password. |
| 3 | Pick the Member ID for the employer you want — each job you’ve held shows as a separate member ID under the one UAN. |
| 4 | Choose View Passbook to read it, or Download Passbook for the PDF. |
A quick note per EPFO: the passbook site is usually available a day after your login is created, and balances lag the actual credit — an employer’s deposit can take a few weeks to reflect.
Reading the three columns
Every EPF contribution splits three ways, and the passbook shows each:
- Employee share — 12% of your basic + DA, all of it into EPF.
- Employer share — of the employer’s 12%, a slice goes to the Employees’ Pension Scheme (EPS) and the rest to EPF.
- Pension contribution (EPS) — capped, and it does not earn the EPF interest rate; it buys a future monthly pension instead.
That EPS split is the single most misread part of a passbook. The number you think of as “my PF” is the EPF columns; the EPS column is a separate pension pot with its own rules. The EPF balance earns interest declared annually by EPFO — around 8.25% for recent years, per EPFO’s declared rate.
Keeping it, not just checking it
Checking a balance is a moment; tracking it is the point. If you’ve changed jobs, your contributions are scattered across member IDs, and the passbook only ever shows one employer at a time. This is exactly the reconciliation Hundo does — you import the EPFO passbook PDF once and it keeps the employee, employer and pension split as a running retirement ledger, linked to your career timeline, so you see the whole EPF story in one place instead of logging in to hunt for it.
See your family’s whole picture in one ledger.
Hundo reconciles every account, watches every renewal, and keeps every document safe. Free during early access.