How Can I Check My Provident Fund Number Using Employee Code

by Aman Khanna Finance

Employee Provident Fund Organisation (EPFO) has taken commendable initiatives to ensure that millions of Indian employees can view and transact most of the required functionalities of the provident fund through its online portal. This has simplified the paperwork and incessant rounds of visits to the local EPFO office and made the processing easy and trackable.

epf

Employee Provident Fund is a social security scheme backed and administered by the central government for all public and private employees. It is a superannuation fund created by contributions by employers and employees. It is a fund maintained with the government and deposited in by your employer. An interest rate is paid on this deposited amount until the life of your employment by the government, which is decided every quarter by the Ministry of Finance under the Small Savings Schemes. Currently, the rate stands at 8.6%.

Keeping track of your PF account

Now, there are multiple ways of checking your PF balance and other services using just the unique identification number assigned to each employee – called Universal Account Number (UAN). This UAN will remain static throughout your working life and irrespective of the number of employers you have. Each employer is also assigned a unique ID called Member ID and the number of companies you have worked for will be reflected under your UAN.

As an individual, you can check your EPF in many ways –

Offline visit to the EPFO office – Using your EPFO account number, along with sufficient id proof and verifying personal details, you can get all the details.
EPFO Portal - People who have an investment in PF schemes will be able to access their PF balance through a passbook that can be checked via different websites that are run by EPFO. In order to get a view of the passbook, the user needs to ensure that his account is linked with UAN (Universal Account Number) and is activated by the employer. Though UAN is provided by EPFO, still it needs to be verified and activated by the employer. To access your passbook you can browse through www.epfindia.gov.in.
SMS Service - If your UAN number is registered with EPFO, just by sending SMS to 7738299899 with the text EPFOHO UAN ENG (ENG: the language you prefer) you can get a view to your PF balance. This facility is available in various languages like Hindi, Punjabi, Marathi, and more. Just send the message from your registered mobile number.
By giving a missed call - If you have registered your mobile number with the UAN portal, you can fetch the balance of your PF by simply giving a missed call on 011-22901406. And make sure UAN is linked with Aadhaar number, PAN card, and your bank account else ask your employer(s) to update these for you.

As an employee, you can still check on your balance on the EPFO website using your employer’s code.

Using Employer’s Code

The EPF number is in a particular format - EPFO Office Code/Establishment Code (Max. 7 Digits)/Extension (Max. 3 digits). Once you know your employer’s code – which can be seen on payment details of your EPF passbook, you can easily pull out your UAN number.

Investment after EPF

Once your investment in EPF is over, you should look at high paying company FDs in India like Bajaj Finance FD, which offers a handsome interest rate with cumulative and non- cumulative options. These fixed deposits with a maximum offering of 8.95% are available for senior citizens as well. You can choose your tenor in accordance with your requirements and also be assured of the best credit rating by CRISlL and ICRA. Moreover, Bajaj Finance is the only NBFC with BBB rating by S&P Global.

You can avail of multiple benefits of its features which you will be hard-pressed to find elsewhere. Your return on investment can easily average from 51% to 54% for a cumulative FD over a period of 5 years.