A baffling bank statement or a lost EPF statement may leave you asking yourself the question, What is my actual EPF balance? Knowing how much your Employees Provident Fund (EPF) has is no longer a boring process. You can follow your savings once you tap a few times or send a text message. We are guiding you through simple, step-by-step ways in which you can maintain your PF balance and make better financial decisions.
Why Checking Your EPF Balance Matters
Your EPF is not just a long term kitty; it also indicates that the money has been saved up regularly with interest added on to it. Viewing your balance at regular intervals assists in planning in case of emergency as well as to monitor contributions by the employer and to determine how near you are towards your retirement goal. When you realise there is a miscalculation or a missing contribution, the early detection of such an error will allow your business to make corrections before the situation becomes a snowball effect. The current balance of your PF is just like a fitness tracker to your wallet, it keeps you on track and motivated towards a secure future.
4 Simple Ways to Check Your PF Balance
You can check your EPF balance in four quick ways without the need to go to office:
- View PFO Member Portal: Log in to any UAN passbook site using your UAN and password and select view passbook to see the latest updates occurring to contributions and interest.
- UMANG App: Download UMANG, Select EPFO under Employee Services, enter your UAN and OTP and tap on View Passbook to access it immediately.
- Via your UAN-linked mobile, send an SMS to 7738299899 in the following format: EPFOHO UAN ENG (By replacing ENG with HIN, TAM, etc. for local languages).
- Missed Call: Give a missed call on 9966044425 on your registered number. The call call disconnects and your current PF balance is mailed to you.
Get the Best out of Your EPF: Fast KYC and UAN Guide
These services can be availed by making sure that the Universal Account Number (UAN) is active and that it is connected to Aadhaar, PAN, as well as bank details. A current KYC will not trigger a logic error and allows online filing of a transfer or partial withdrawal. In case you find the lack of employer contribution if you raise it at an early stage through your company employee portal or complaint system with the EPFO. Maintaining your UAN and KYC in top condition is not only the way to keep your EPF access but also to enable easier claim in the future when you retire.
Final Thoughts
Routine checking of your EPF balance does not take much of your time, yet it has great returns; you are in the know and can report any miscalculation or discrepancy early enough before it causes a major inconvenience and help you plan your budget in a smarter way. Choose your favorite way of investing and confirm your UAN/KYC and do this every month. Start now to transform your EPF into a weapon of worry free retirement.
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