The landscape of retirement savings access in India has become significantly more digital. In 2026, the Employees’ Provident Fund Organisation (EPFO) strengthened Aadhaar-linked authentication, mobile-based services, and app-driven access to help members check balances and manage accounts without relying solely on desktop portals or employer intervention. While the Universal Account Number (UAN) remains central to EPF administration, EPFO now offers multiple ways to retrieve