Employees often need to check their Provident Fund (PF) balance to see how much money is in their account. The PF, deducted from your salary and matched by your company, accumulates in your PF account.
While checking the balance usually requires your UAN number, there’s a way to access this information without it.
Here’s a detailed guide on how to check your PF balance through an SMS.
Checking PF Account Fund by SMS
To check your PF funds, follow these simple steps to send a text message to 7738299899:
- Use Your Registered Mobile Number:
Ensure you send the SMS from the mobile number registered with your PF account. - Compose the Message:
Type “EPFOHO UAN” in the message. - Specify the Language:
After “EPFOHO UAN,” add the language code for your preferred language. For example, if you want the information in Hindi, you will type “EPFOHO UAN HIN”. - Send the Message:
Send this SMS to 7738299899.
After sending the message, you will receive an SMS with your PF balance details. The key requirement is that your mobile number must be registered with your PF account.
Conditions for PF Withdrawal
To withdraw money from your PF account, certain conditions must be met:
Age Requirement: The employee must be at least 58 years old.
Contribution Period: The employee must have contributed to PF for at least 5 years.
Application: The employee can apply for withdrawal online or offline.
Benefits of PF
- Financial Security Post-Retirement:
PF provides a financial cushion for employees after they retire. - Interest Accumulation:
The deposited amount earns interest, enhancing the retirement benefits for the employee. - Loan Facility:
Employees can avail of loans at low interest rates against their PF balance.
The Provident Fund is a crucial savings scheme that ensures financial stability for employees after retirement, offering numerous benefits and a reliable way to save money over the long term.
