The PF deducted from salaries sits with EPFO — and the UAN number lets you track all of it from home.
Four ways to check balance
- UMANG app — passbook under the EPFO section
- passbook.epfindia.gov.in — full passbook via UAN login
- SMS: EPFOHO UAN to 7738299899 from the registered number
- Missed call: 9966044425
The only condition — an active UAN with Aadhaar-bank KYC complete.
When can you withdraw
- Full: at retirement, or after 2+ months of unemployment
- Partial (advance): for medical needs, marriage, building/buying a house, children's education
- Online claims: Form-31/19/10C at unifiedportal-mem.epfindia.gov.in
Keep in mind
- Withdrawal before 5 years may attract TDS
- On changing jobs, transfer instead of withdrawing — interest and pension continuity stay intact
- Stuck claims: complain on the EPFiGMS portal
