personal finance

EPF Diwali gift for you: Govt starts crediting EPF interest for FY 2022-23 into provident fund accounts; how to check EPF balance



The Employees’ Provident Fund Organisation (EPFO) has begun crediting interest into provident fund (PF) accounts, according to a PIB statement from November 1, 2023. For the fiscal year 2022-23, the rate of interest on EPF accounts is 8.15%.

According to the PIB release, “Bhupender Yadav (Union Minister for Labour & Employment, Environment, Forest & Climate Change) emphasizes on EPFO becoming a hassle free and technology driven Organization, expresses satisfaction that EPFO is giving 8.15% interest this year and has already credited interest in more than 24 crore accounts.”

The EPFO replied to a post on X (previously known asTwitter) about when the interest will be credited into EPF accounts, “The process is in pipeline and may be shown there very shortly. Whenever the interest will be credited, it will be accumulated and paid in full. There would be no loss of interest. Please maintain patience.”

How to check EPF account balance
The interest will appear in the individual’s PF account after it has been credited. There are several ways to check the balance of a provident fund account: through text message, missed call, UMANG app, and EPFO website.

Using Umang app

Employees can use the Umang app on their phones to view their PF balance. With the app, one may track claims, raise claims, and access the EPF Passbook. You must first complete a one-time registration using your phone number in order to proceed.
Step 1: Go to Google Play Store or Apple App Store and search for the ‘UMANG’ app.

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A step-by-step guide on how to check your EPF balance through UMANG app

Step 2: Register on the UMANG app first to use EPFO services.
Step 3: Click on it and type EPFO.
Step 4: Under ‘Service’, go to ‘View Passbook’.
Step 5: You need to click on ‘Employee-centric service’.
Step 6: In the next step, another new page will open. This page will say that an OTP has been sent to the mobile number registered with EPFO.
Step 7: Once you enter the OTP and click on the ‘OK’ button, it will take you to a new page where you can see your EPF passbook and check your EPF balance.

EPF account: How to link your new mobile number with EPF UAN

Using the EPFO portal
Step 1: The member passbook is available at www.epfindia.gov.in
Step 2: Click on ‘For Employees’ under ‘Our Services’
Step 3: Click on ‘Member Passbook’ under ‘Services’
You can find your details.

By sending an SMS
If your UAN is registered with the EPFO, you can get the details of your latest contribution and PF balance by sending an SMS to 7738299899. You need to send this message: EPFOHO UAN ENG. ‘ENG’ is the first three characters of the preferred language. So, if you want to receive the message in Marathi, then type in EPFOHO UAN MAR.

By giving a missed call
You can obtain the details via a missed call on 011-22901406 from your registered mobile number if you have registered on the UAN portal. Please ensure that your PAN, Aadhaar, and bank account number are seeded into your UAN. Moreover, you might request that your employer seed them for you. There is no charge for this service.

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