If you often use balance check or autopayment through UPI, then this news is important for you. From August 1, 2025, you will neither be able to check your balance repeatedly from UPI apps nor will you be able to use the auto payment facility during peak hours. The National Payments Corporation of India (NPCI) has taken this step to save the network from load and provide better service to all users. There may be some difficulty in the beginning, but in the long run this change will prove to be beneficial for the users.

NPCI issued a circular on May 21 asking all banks and payment service providers (PSPs) to take necessary steps to ensure compliance with the new guidelines. NPCI has directed that by July 31, all banks and PSPs should restrict the 10 most commonly used application programming interfaces (APIs) running on the UPI network, such as checking balance, initiating autopayments, and checking transaction status. If these rules are not followed, action will be taken against the banks and service providers concerned.

After the implementation of the new rule, a customer will be able to check the balance only 50 times a day through the UPI app. To avoid repeated balance inquiries, NPCI has directed banks to send account balance information with every successful transaction. Experts say that this may cause some inconvenience to the business community, as they have to check the transaction status or balance repeatedly. But this change is a step towards making the UPI system more stable and accessible.

API transactions will be limited.

NPCI has clarified that during peak hours – 10 am to 1 pm and 5 pm to 9:30 pm – no API transactions will be allowed without the user’s permission. In addition, all PSPs will have to give a written assurance to NPCI by August 31 that they will queue API requests generated from the system and reduce their processing speed.

Autopayments will also be limited.
From now on, UPI autopayments (like for SIP, Netflix etc.) will be processed only during non-peak hours. A maximum of 1 attempt and 3 retries will be allowed for each autopayment, and that too only during non-peak hours. You can set up autopayments during peak hours, but it will be processed only during non-peak hours.

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Some part of this is deposited in the PF account by the employee and some part by the employer. Recently, news has come that about 98 percent of the contributory companies linked to the Employees’ Provident Fund ( EPF ) have deposited the interest for the financial year 2021-22 till March 6 in the accounts of the members. For the financial year 2021-22, the interest rate on EPF was fixed at 8.1 percent.

In such a situation, if you are also entitled to it, then check as soon as possible whether this amount has been deposited in your PF account or not. For this, you can check the balance by following the steps given below.

Information given in Lok Sabha

Many Members of Parliament and representatives of employees’ organizations have been raising the issue of non-credit of interest for a long time. Therefore, Union Minister of State for Labor and Employment Rameshwar Teli gave this information in a written reply in the Lok Sabha.

The Union Minister said that crediting of interest in EPF accounts is a continuous process and after the implementation of the new software, credit is being done in a prescribed manner. He said that due to the new rules related to TDS, the process of depositing interest has been a bit slow.

Check PF balance like this

Balance check from EPFO ​​portal

• PF balance can be checked from the official website of EPFO. For this visit www.epfindia.gov.in.
• After the window opens, click on the E-PassBook option.
• On the new page click on UAN and enter the password.
• Enter the captcha code given below and click on the login button.
• After login, select the Member ID option and now the passbook will be available in PDF format.

Balance check through SMS or missed call

• To check balance through missed call, give a missed call to the number 9966044425 given by EPFO.
• After a few seconds of disconnection of the call, the complete details of the account will reach you through the message.
• To get information through SMS, a message has to be sent by writing ‘EPFOHO UAN’ to this number.
• After sending the message, complete details will be sent by EPFO ​​through SMS. Please tell that information can be taken in 10 languages ​​through SMS.

Keep these things in mind before taking balance

Before taking information about your PF account by EPFO, keep these things in mind that your UAN should be active. Also, UAN should be linked to any of your bank accounts, Aadhaar and PAN.

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PF account holders can get great news today. The government can deposit the EPF interest money in their account . If this happens, then PF account holders will get interest at the rate of 8.1 percent. Interest is likely to be deposited in the account on Monday. This information has been given in a media report. It has been informed by quoting sources that the software upgradation work ofcc ​​has been completed and now it can start depositing interest money in the account of customers. Upgradation work was going on in EPFO’s software for income tax deduction. Because of this, there was a delay in getting the interest money.

An equal amount is deposited in the EPF account every month by the company and the employee. This amount is 12 percent of the basic salary and DA. 12 percent of the employees and 12 percent are deposited in the PF account by the company. If the employee wants, he can also deposit more than 12 percent in the EPFO ​​account, but for this he will have to open an account of the Voluntary Provident Fund (VPF) scheme. If EPF money is going to be deposited in your account as well, then check the balance once.

How to check EPF balance

1. Balance Check from UMANG App- UMANG App is a government app on which many services are available simultaneously. Many facilities related to EPF are available on this app. Like EPF passbook, claim submission, claim tracking etc. Those who want to check EPF balance on UMANG app, they have to first download it in their mobile phone. After this, you have to enter your phone number in the app. With this, one time registration will have to be completed.
2. Balance Check from EPFO ​​- Click on ‘Member Passbook’ option on the EPFO ​​website. You can view the amount deposited with the PF passbook by logging in using your UAN and password. You will see the account of the money deposited by the employee and the company and the opening-closing balance. On the EPFO ​​website itself, you will get information about the earnings linked to the PF account and the past PF transfers.
3. Balance Check by SMS- To get EPF balance send an SMS to mobile number 7738299899. EPFOHO UAN ENG should be the message text where UAN is the Universal Account Number and ENG is the English language. If you want to receive information in another language, you can do so by using the three characters of your preferred language.
4. Balance Check by Missed Call- A missed call on 011-220-1406 from your UAN registered mobile number will give you the required information. You have to ensure that your UAN is linked with your bank account number, Aadhaar number and PAN number.

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Several media reports have claimed that the full provident fund interest will be credited to their accounts soon after Diwali. EPFO subscribers who have not yet received the PF interest rate, they are likely to get it just after Diwali.

In June this year, the Center had approved a four-decade low interest rate of 8.1 per cent on Employees’ Provident Fund (EPF) deposits for 2021-22. Significantly, the 8.1 percent EPF interest rate is the lowest since 1977-78.

PF customers can check their PF balance sitting at home using four different methods. PF balance can be checked by SMS, online, missed call and using UMANG app.

Know how to check EPF account balance online

• Log on to epfindia.gov.in
• Enter your UAN number, password and captcha code
• Click on E-Passbook
• When you have entered all the details, you will be redirected to a new page
• now open member id
• Now you can see the total EPF balance in your account

How to check EPF balance through UMANG App?

• open umang app
• Click on EPFO.
• Click on Employee Centric Services
• Click on View Passbook Option
• Feed your UAN number and password
• You will receive OTP on your registered mobile number
• Now you can check your EPF balance

How to check EPF balance through SMS

Apart from mobile number, members registered on the UAN portal can also get their PF details by sending an SMS from their registered mobile numbers. For this, you have to SMS ‘EPFOHO UAN’ to 7738299899.

HOW TO CHECK EPF BALANCE THROUGH MISSED CALL

EPFO ​​customers registered on UAN portal can get PF details available with Employees’ Provident Fund Organization by giving a missed call on 011-22901406 from their mobile number registered with UAN.

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This interest rate is the lowest interest rate in 40 years. Earlier, the government had given 8.5 percent interest. According to an estimate, if someone has a fund of Rs 10 lakh in his account, then the entire Rs 81,000 will be credited to his account.

However, no official statement has come from the government for this yet. But sources claim that by August 30, money will be credited in the accounts of all the employed people.

how to check balance

You can follow 4 ways to check your PF balance. Or you can choose any one of the four methods. In these ways, you can check the balance through SMS and you can also know by giving a missed call.

Apart from this, you can also check through EPFO’s website, and UMANG app. For this, you have to send a message by SMS to 7738299899 by writing EPFO ​​UAN LAN (language) from the mobile number registered with EPFO.

The calculation of interest will be something like this

If you have Rs 10 lakh in your PF account, you will get Rs 81,000 as interest. On the other hand, if you have Rs 7 lakh in your PF account, you will get Rs 56,700 as interest. Also, if you have Rs 5 lakh in your account, you will get Rs 40,500 as interest. If you have one lakh rupees in your account, then 8,100 rupees will come.

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When will the money be transferred?

It is worth noting that last year people had to wait for 6 to 8 months for interest. Last year the atmosphere was different due to Covid but this year the government will not delay. According to media reports, interest money can be transferred to the account till August. This year’s interest is at the lowest level in 40 years.

The calculation of interest is quite simple

1. If you have Rs 10 lakh in your PF account, then you will get Rs 81,000 as interest.
2. If you have Rs 7 lakh in your PF account, then you will get Rs 56,700 as interest.
3. If you have Rs 5 lakh in your PF account, then interest of Rs 40,500 will come.
4. If you have one lakh rupees in your account then 8,100 rupees will come.

1. Know by Missed Call To check balance

PF money, you have to give a missed call on 011-22901406 from your registered mobile number. After this you will get the details of PF through the message of EPFO. Here it is also necessary to have your UAN, PAN and Aadhaar linked.

2. Check Balance Online

• To check balance online, log on to the EPFO ​​website.
• Click here on e-passbook epfindia.gov.in.

• Now on clicking on your e-passbook, a new page will appear on passbook.epfindia.gov.in.
• Now here you fill your username (UAN number), password and captcha.
• After filling all the details you will come to a new page and here you have to select the member ID.
• Here you will get your EPF balance on e-passbook.

3. Balance check can also be done on UMANG App

1. For this, open your UMANG App (Unified Mobile Application for New-age Governance) and click on EPFO.
2. Now on the second page click on Employee Focused Services.
3. Here you click on ‘View Passbook’. With this, you fill your UAN number and Password (OTP) number.
4. OTP will come on your registered mobile number. After this you can check your PF balance.

4. Check Balance Through SMS

If your UAN number is registered with EPFO ​​then you can get your PF balance information through message. For this you have to send EPFOHO to 7738299899. After this you will get the information of PF through message. Let us tell you that if you want information in Hindi language, then it has to be sent by writing EPFOHO UAN. This service to know PF balance is available in English, Punjabi, Marathi, Hindi, Kannada, Telugu, Tamil, Malayalam and Bengali. For PF balance, it is necessary that your UAN, bank account, PAN and Aadhaar (AADHAR) should be linked.

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When will the money be transferred? PF Interest

It is worth noting that last year people had to wait 6 to 8 months for interest. But, last year due to Kovid, the atmosphere was different. This year the government will not delay. According to media reports, interest money can be transferred to the account till the end of July. This year’s interest is at a 40-year low

Check balance

via SMS If you want to check balance through SMS, then for this you have to send it by writing to EPFOHO UAN ENG on 7738299899. Let us tell you that the last 3 letters will be written according to the language. At the same time, if you want information in Hindi, then you can send it by writing EPFOHO UAN HIN. You have to SMS this from the number registered on UAN. Only after this you will get the message of balance. You will get this facility in English, Punjabi, Marathi, Hindi, Kannada, Telugu, Tamil, Malayalam and Bengali languages. 

Check Balance Through

Missed Call If you want to check balance through missed call, then for this you have to give just one missed call on 011-22901406 from registered mobile number on EPFO. After this balance message will come on your registered mobile number. This message will come to you from AM-EPFOHO. 

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