Simplest way on How to know PF Balance check without UAN Number or EPF Balance without UAN at unifiedportal-mem.epfindia.gov.in or passbook..epfindia.gov.in website....
Everyone needs to check out his or her PF balance Check without UAN Number from time to time. It may simply be to stay updated about their EPF account status or maybe for epf withdrawal purposes in case of an emergency. The money in your PF account, however, must not be treated as same as that in your savings account. There is a time constraint on it. This means you can withdraw only after a specified time-period.
In India, most of the service men and office-goers rely on their PF account for various benefits. In this article, we are going to learn about how you can check your PF balance check without uan number or EPF balance check with UAN number online. However, before we jump headfirst into that let us first be acquainted with a few terms that will come time and again in this article.
A PF or a Provident Fund (or an Employee’s Provident Fund or EPF) is an investment fund, where the investment is a result of monetary contribution from the employer, the employee and sometimes even the state. This lump sum of money is available to the PF holder after a certain period of time, say 10 years or after retirement.
In India, the Employees Provident Fund Organisation or the EPFO, under the Labour & Employment Ministry of the Indian Government, regulates the rules and regulations regarding a PF account. According to the EPFO, every organisation with more than 20 full-time employees is required to register under EPFO and all their employees are eligible for the EPF account.
The UAN or the Universal Account Number is a 12-digit number, which is unique to every EPF account holder. This means that even if two persons work in the same department of the same organisation, they will have different UAN.
Earlier, employees had to change their accounts or rather shift them, every time they needed to change their companies. However, with the advent of technology came the UAN and with it, employees no longer need to go through the hustle of changing their EPF accounts. Now, there is only one UAN for all their EPF accounts. The UAN remains the same lifelong, irrespective of the organisation they are in.
There are a few benefits to be gained from the UAN. They are as follows:
Earlier, it was possible to check the EPF balance only once a year. However, with the UAN and EPFO’s member portal, you can know your PF balance check without UAN Number or PF Balance without UAN any time you want.
Well, there are a few ways to check your PF balance check without UAN Number or PF Balance without UAN. However, do keep in mind that you absolutely need to have an UAN in order to check, whether or not you use it. If you do not have a UAN, visit the UAN homepage and create one.
Let us now proceed into the matter at hand.
In cases when you have forgotten your UAN, or do not want to use it, you can still check your EPF balance check without uan number. There are two very simple ways by know your PF Balance without UAN Number:
Check with an SMS:
Check with a Missed Call:
Here is the table PF Balance without check UAN Number shows like this...
|Member Passbook||PF Balance|
|Establishment ID / Name||GNGGN123456 Limited|
|Member ID / Name||GNGGN123456 XYZ|
|Office Name||(RO) Delhi|
You can check your EPF balance with your UAN in two ways: either visit the EPFO Portal or from the UAN webpage.
From the EPFO Portal:
From the UAN webpage:
One can gain some important benefits from his / her EPF account:
i. Tax Benefits:-
Under the Section 80C, of the Income Tax Act of the Govt. Of India, the contribution made by the employer to the EPF account is tax-free and the contribution of the employee towards the same is tax-deductable. This means that while calculating your income tax the employer’s contribution is never taken into account, whereas the employee’s contribution is deducted from the tax calculations. Again, under Section 80C, the interest rate on the EPF balance is also exempted from tax calculations.
ii. Insurance Benefits:-
A PF balance also has Insurance benefits. In case of an event of death of the insured person, the nominee chosen by that person will receive a lump sum of money from the EPF account of that person. This scheme was made in order to benefit the families of the employees, without any extra contributions on their side.
iii. Premature withdrawal options:-
The Employees Provident Fund Organisation of India, allows its members to make partial and premature withdrawals from their PF account, but only after 5-10 years of service. The only exception is in case of emergencies, be it medical or financial, like for example if the account holder was in an accident, or if he or she is unemployed.
iv. Lifelong Pension:-
According to the EPFO, the employer and employee both are required to make equal contributions to the EPF account. The employee contributes by sacrificing 12% of his or her basic salary, which is redirected to the EPF account. The employer contributes to the EPF account by adding the equal amount of money to the same. Apart from this, about 8.33% of the employer’s share is redirected to the Employee’s Pension Scheme or EPS.
Thus, we have learned the meaning of a PF or an EPF account and its benefits. We also saw what an UAN is and how we can check our PF Balance check without Uan Number or EPF Balance without UAN. However, do keep in mind that checking your balance from the EPFO Portal using your UAN can become hectic sometimes in case the server is down. You can use mobile apps to check the same as well.