How to check your EPF balance and download the passbook (2026)

The four ways

	Passbook portal	UMANG app	Missed call	SMS
Where	passbook.epfindia.gov.in	UMANG	9966044425	EPFOHO UAN ENG to 7738299899
You need	UAN + password	UAN + mobile OTP	UAN-linked mobile	UAN-linked mobile
Gives you	Full passbook PDF	Full passbook PDF	Balance by SMS only	Balance by SMS only

For anything you need to keep — a home-loan file, an NRI review, a dispute with a past employer — download the passbook.

Downloading the passbook

01
Activate your UAN once at unifiedportal-mem.epfindia.gov.in.
It is printed on a payslip, or ask HR.
02
Log in at passbook.epfindia.gov.in with your UAN and password.
Per EPFO the passbook site is usually available a day after your login is created.
03
Pick the Member ID for the employer you want.
Each job shows as a separate member ID under the one UAN.
04
View Passbook to read it, or Download Passbook for the PDF.
Balances lag the actual credit; an employer’s deposit can take a few weeks to reflect.

Where each month’s contribution goes

12% Your 12% → EPF — all of it earns the EPF rate
3.67% Employer’s share → EPF — the rest of the employer’s 12%
8.33% Employer’s share → EPS pension — on wages up to ₹15,000; does not earn EPF interest — it buys a future monthly pension

Percentages of basic + DA. The EPS column is the most misread line in a passbook: the number you think of as “my PF” is the two EPF columns; EPS is a separate pension pot with its own rules. EPF interest is declared yearly by EPFO — around 8.25% for recent years.

Checking a balance is a moment; tracking it is the point. If you have changed jobs, your money is scattered across member IDs and the passbook only ever shows one at a time. Hundo takes the passbook PDF once and keeps the employee, employer and pension split as a running ledger across your whole career.

See your family’s whole picture in one ledger.