Start with the current EPFO member services
Reviewed 16 October 2026. A Universal Account Number (UAN) links an EPF member’s employment records. EPFO now directs members to use the UMANG app’s Aadhaar face-authentication service to activate an existing UAN or generate and activate a new UAN. The former direct activation and allotment options on the member portal have been discontinued. Follow EPFO’s current UMANG user manual.
After activation, use the official UAN member portal for the member services currently available to your account. Menus and verification requirements change, so rely on the live portal rather than an old screenshot or menu path.
Check your EPF passbook and balance
- Open the official EPF passbook service or use the passbook feature in UMANG.
- Sign in using the credentials and verification requested by the official service.
- Select the relevant member ID and review the wage months, employee share, employer share, pension contribution and interest entries shown.
- Download or save a statement for your records, then compare it with payslips and your employment history.
An EPF passbook may not be available for members of an exempted establishment that maintains its own provident-fund trust. Ask the employer for the trust statement and compare it with your service details. A delay or missing entry can also reflect filing or posting time, a new member ID or a record mismatch; it does not, by itself, prove that a contribution was not paid.
Read the account entries carefully
The employee’s contribution, employer’s EPF contribution and employer’s pension contribution are separate. The passbook and scheme rules determine which amounts appear in the EPF balance and which are credited to pension records. Do not multiply “basic pay” by a single rate to infer every account entry: the applicable wage definition, ceiling, membership history, scheme and any higher-wage arrangement can affect the calculation. EDLI is an insurance scheme and is not an interest-bearing member balance.
EPFO credits interest at the rate applicable to the relevant financial year. The CBT recommended 8.25% for FY 2025–26 on 2 March 2026; the Government notification was not located in official sources checked on 16 October 2026. No FY 2026–27 rate was found. Interest posting dates can vary. See our EPF interest-rate history for the dated source and update.
Manage your UAN profile and KYC
Review the personal, bank and identity details shown in the member portal before submitting a claim or transfer. Use the current workflow for each field: some requests may require employer or field-office action, and correction routes can differ by mismatch. For first-time Aadhaar seeding or correction, EPFO has also announced a Joint Declaration route; check the latest notice before submitting a change.
Never share your UAN password, Aadhaar OTP, bank PIN or other authentication details with an employer, consultant, call centre or third-party app. EPFO warns members not to pay callers or disclose credentials. Use only the official EPFO portal or UMANG.
When you change jobs
Keep using your existing UAN. Give it to the new employer so the new employment can be linked to the correct member record. Check that the new member ID appears in your service history and confirm that the prior balance and service record are handled through the transfer process applicable to your account. Do not request a fresh UAN just because you changed employers.
If your UAN, name, date of birth or Aadhaar information does not match, resolve the record issue using the portal’s current correction process. Preserve each acknowledgement and check the affected member ID after the correction or transfer completes.
Ways to check a balance without downloading a passbook
EPFO lists a missed-call service at 9966044425 and SMS service at 7738299899. The SMS format shown by EPFO is EPFOHO UAN <LAN>, where LAN is the preferred language code. These services depend on the mobile number and member record being eligible and up to date. They provide a limited balance enquiry, not the detailed month-wise statement. Use the current instructions on EPFO’s For Employees page if the service does not respond.
Common issues
- Activation option missing on the member portal: Use the UMANG face-authentication service described in EPFO’s current instructions.
- Passbook not available: Check whether the establishment is exempted, a contribution has been filed for the member ID, and the login belongs to the correct UAN.
- Balance differs from a payslip: Compare the wage month, eligible wages, member ID and employer filing record. Ask the employer to reconcile the specific difference.
- Mobile or KYC mismatch: Follow the official correction path for that field. Do not assume every correction can be completed by the employer or immediately through one menu.
- Missing old employment: Check the service history and member IDs linked to your UAN. Ask the former employer to correct its record if required, then use EPFO’s current transfer process.
For an unresolved EPFO record or contribution issue, use EPFiGMS and keep the grievance reference. Our EPFO grievance guide explains what records to prepare.
Official references
- EPFO UMANG UAN activation manual.
- EPFO member portal.
- EPF passbook service.
- EPF Scheme, 2026 for current scheme provisions.
For member-specific eligibility or a disputed contribution, rely on your own EPFO record and the rules applicable to the relevant wage period. GHR Consultancy supports Kerala employers with EPF record and payroll reconciliation; contact our team for employer services.