EPF Balance Check: Step-By-Step Guide With or Without UAN Number

Plans for Major Expenditures: EPF allows for withdrawals under certain circumstances. Knowing your balance helps you plan for emergencies, buying a house, or other significant expenditures.

Determines Loan Eligibility: Knowing your EPF balance helps you determine your loan eligibility and the maximum amount you can borrow.

Manages Account Activity: Monitoring your EPF balance ensures contributions from you and your employer are accurately recorded. Regular checks keep your account in order.

What should be the frequency of the EPF balance check?

Peace of Mind: If you prioritize closely monitoring your finances, a check every 1–3 months may suit you.

Recent Job Change: Check your balance monthly or bi-monthly for the first year to ensure contributions are correctly made to an active account.

Low Contribution: A 6-month inspection interval should be sufficient.

Upcoming Financial Needs: Check every 3–4 months if planning for EPF withdrawals.

What is a UAN number and how to obtain one?

A UAN (Universal Account Number) is a 12-digit number provided by the Employee Provident Fund Organisation (EPFO). It consolidates all PF contributions from various employers under one number, making management and tracking easier.

Portability: UAN remains the same despite job changes, consolidating all PF contributions.

Convenience: UAN allows you to manage your EPF account online through the EPFO portal or UMANG app.

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