EPF Balance Check

Estimating your current EPF balance takes less than a minute:

1. Enter your monthly basic salary at the time of joining and your current monthly basic salary.
2. Enter your total years of EPF contribution.
3. Enter your average annual salary increment percentage over the period.
4. The EPF contribution rate (12%) and current interest rate (8.25%) are pre-filled.
5. Click Calculate to instantly see your estimated current EPF balance, including both employee and employer contributions with accumulated interest.

Note: This calculator provides an estimate based on your inputs. For your exact balance, check directly through the official EPFO portal or app using your UAN.

Your EPF balance is the total amount accumulated in your Employee Provident Fund account, comprising your own monthly contributions (12% of basic salary), your employer's contributions (3.67% of basic salary, with 8.33% going to EPS), and the interest earned on the total balance at the rate declared annually by EPFO.

Your EPF balance grows every month with new contributions and earns compound interest credited annually. Tracking your EPF balance regularly helps you plan your retirement corpus and identify any discrepancies in employer contributions.

EPFO provides multiple convenient ways to check your EPF balance:

1. EPFO Member Portal (UAN Portal) — Visit member.epfindia.gov.in, log in with your UAN and password, and check your passbook for the complete transaction history and current balance.
2. UMANG App — Download the UMANG app, search for EPFO services, and view your EPF passbook and balance using your UAN.
3. SMS — Send an SMS "EPFOHO UAN ENG" to 7738299899 from your registered mobile number to receive your EPF balance details via SMS.
4. Missed Call — Give a missed call to 011-22901406 from your registered mobile number to receive an SMS with your EPF balance.
5. EPF Passbook — Log in to passbook.epfindia.gov.in with your UAN to view and download your complete EPF passbook.

To check your EPF balance online, you need an active UAN (Universal Account Number). Here's how to activate it:

1. Visit the UAN member portal at unifiedportal-mem.epfindia.gov.in.
2. Click on Activate UAN on the homepage.
3. Enter your UAN, Aadhaar or PAN or Member ID, date of birth, mobile number, and captcha.
4. Click Get Authorization Pin — an OTP will be sent to your registered mobile number.
5. Enter the OTP and set a new password to activate your UAN account.

Your UAN is provided by your employer and remains the same across all jobs throughout your career. You can find your UAN on your salary slip or by asking your HR department.

Regularly monitoring your EPF balance is important for several reasons:

• Verify employer contributions — Ensure your employer is depositing your EPF contributions on time every month, as delayed deposits can reduce your interest earnings.
• Track retirement corpus growth — Monitor how your retirement savings are growing year over year.
• Identify discrepancies — Catch any errors in contributions or interest credits early and raise them with your employer or EPFO for correction.
• Plan withdrawals — Know your available balance before applying for partial withdrawals for home purchase, medical needs, or other purposes.

Our calculator helps you estimate and plan your EPF savings by allowing you to:

• Get an instant estimate of your current EPF balance based on contributions and interest
• Understand how your balance has grown through compounding over the years
• Plan additional VPF contributions to boost your retirement corpus
• Cross-check your estimated balance against your official EPFO passbook