Last Updated:May 30, 2025, 17:57 IST
EPFO services offer easy PF balance access via UMANG app, website, missed calls, SMS, and DigiLocker. Withdrawals can be made online or via UMANG app.
EPFO is reportedly planning to launch ATM-like PF withdrawals, giving subscribers 24×7 access to their funds via smart cards or Aadhaar authentication.
The Employees’ Provident Fund (EPF) is a crucial savings tool for salaried Indians. Managed by the EPFO, it ensures long-term financial security and permits partial withdrawals during emergencies. In 2025, new digital features and proposals like ATM-like access will make it even easier to access your funds.
The government has ratified the Employees’ Provident Fund (EPF) interest rate at 8.25 per cent for the financial year 2024-25. The move paves the way for the Employees’ Provident Fund Organisation (EPFO) to credit the annual interest into the accounts of over seven crore subscribers.
The ratification allows the EPFO to initiate the process of crediting the approved interest into the EPF accounts of its members.
How to Check EPFO Balance in 2025?
1. Using the UMANG App
- Download the UMANG app.
- Login with your mobile number and OTP.
- Navigate to EPFO → View Passbook.
- Enter UAN and OTP to view your balance.
2. On the EPFO Website
- Visit epfindia.gov.in
- Click: Services → For Employees → Member Passbook
- Login using your UAN and password to check your passbook.
3. By Missed Call
- Give a missed call to 9966044425 from your registered number.
- You’ll receive an SMS with your latest PF balance.
4. By SMS
- Send: EPFOHO UAN ENG to 7738299899
- Replace ENG with your language code like HIN, TAM, etc.
5. Through DigiLocker
- Link your UAN with DigiLocker.
- Access PF balance and statements from the app or website.
How to Withdraw PF Money Online in 2025?
1. Via EPFO UAN Portal
- Go to: UAN Member Portal
- Login → Online Services → Claim (Form-31, 19, 10C)
- Enter bank details, choose reason, submit with Aadhaar OTP
2. Through UMANG App
- Navigate to EPFO → Raise Claim
- Fill form and complete Aadhaar eKYC
3. Eligibility
- Full PF: After 2 months of unemployment
- Partial PF: For medical, home, marriage, etc.
- Advance: Up to 75% PF on job loss after 1 month
4. Processing Time
Typically 5–10 working days. Track via UMANG or EPFO site.
EPFO ATM-Like Withdrawal Proposal
EPFO is planning to launch ATM-like PF withdrawals, giving subscribers 24×7 access to their funds via smart cards or Aadhaar authentication. According to DD News, it is likely that from June 2025, members will be able to withdraw PF funds via UPI and ATMs.
- Goal: Provide emergency liquidity without formal online claims
- Expected Features: Smart card access, Aadhaar OTP, cash withdrawal
Tips to Avoid PF Withdrawal Delays
- Ensure UAN is active and KYC is complete
- Link Aadhaar and PAN to your EPF account
- Use registered mobile number for OTPs
FAQs
How do I find my UAN?
Visit EPFO portal → Know Your UAN → Enter Aadhaar and mobile number.
Can I withdraw PF without resigning?
Yes, for specific reasons like illness, housing, or marriage.
Is employer approval always needed?
No, Aadhaar e-KYC claims often don’t require employer approval.
Is PF withdrawal taxable?
Yes, if your total job duration is under 5 years. Otherwise, it is tax-free.
EPFO services are easier to access than ever in 2025. With online portals, mobile apps, and proposed ATM-like withdrawals, accessing your PF is no longer a hassle.
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al…Read More
A team of writers and reporters decodes vast terms of personal finance and making money matters simpler for you. From latest initial public offerings (IPOs) in the market to best investment options, we cover al… Read More
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