GPF Balance Check 2026 | How to Check GPF Balance Online in Bangladesh

If you are a government employee in Bangladesh, your GPF (General Provident Fund) account holds a large part of your long-term savings. Every month, a portion of your salary goes into this fund, profit is added to it, and the balance grows over the years. Knowing how to check your GPF balance online saves you repeated visits to the accounts office — you can see your full statement from your phone or computer in a few minutes.

This guide explains the complete GPF balance check process for 2026 through the official CAFOPFM website, how to read your GPF slip, how profit and subscription are calculated, how to use the GPF Calculator, and what to do when something goes wrong.

What Is GPF?

GPF stands for General Provident Fund. It is a savings fund for pensionable government employees in Bangladesh. A fixed percentage of the employee's basic salary is deducted every month and deposited into the GPF account. The government adds profit (interest) on the deposited amount at a rate fixed by official order. The accumulated amount, along with profit, is payable to the employee at retirement, and the balance can also be used for advances during service.

Checking your GPF balance means verifying the latest status of this account — how much has been deposited, how much profit has been added, whether any advance has been taken, and what the current closing balance is.

Who Can Check GPF Balance Online?

Government employees whose salaries are drawn through iBAS++ / EFT and who fall under the pension scheme have GPF accounts. This includes:

• Government school, college and madrasa teachers and staff

• Officers and employees of government ministries, departments and offices

• Employees of government offices whose pay is processed through the accounts offices (CAO / DCA / UAO)

If you are not sure whether your account is GPF or CPF (Contributory Provident Fund), confirm it from your accounts office first — the checking process for CPF is not the same. CPF generally applies to employees of autonomous bodies who are outside the pension scheme, where both the employee and the institution contribute.

What You Need for GPF Balance Check

Keep these ready before you start:

The most common reason for a failed check is a mismatch: the NID or mobile number entered must match the ones used in pay fixation. Any other number will not find your account.

How to Check GPF Balance Online (Step by Step)

Step 1: Go to the CAFOPFM Official Website

Open your browser and visit www.cafopfm.gov.bd. This is the official website of the Office of the Chief Accounts and Finance Officer (Pension and Fund Management), abbreviated as CAFO (Pension and Fund Management).

Use only this official website for checking your GPF information. Never enter your NID or mobile number on unfamiliar third-party sites that appear in search results.

Step 2: Open GPF Information / Individual GPF Information

On the homepage, scroll down to find the GPF Information option (also shown as Individual GPF Information / ব্যক্তিগত জিপিএফ তথ্যাদি). Click on it.

Step 3: Enter NID, Mobile Number and Fiscal Year

You will be asked for three pieces of information:

• National ID (NID): Your 10-digit Smart NID number or 17-digit old NID number — whichever was used in pay fixation.

• Mobile Number: The active mobile number used in pay fixation. The OTP will be sent to this number.

• Fiscal Year: Select the fiscal year whose statement you want to see, for example 2025-26.

Fill in the fields correctly and click Submit.

Step 4: Verify with OTP

After submitting, a 4-digit OTP (One Time Password) will be sent to your registered mobile number. Enter the code in the given field and submit again. Never share your OTP with anyone — it is only for your own verification.

Step 5: View Your GPF Slip and Balance

After successful verification, your GPF Accounts Slip will appear on the screen. It shows your name, NID number, GPF account number and the full statement. Below, a table displays Opening Balance, Subscription, Refund, Profit, Withdrawal and Closing Balance.

Use the Print or Download option to save a copy of the slip. The printed copy can be used for official purposes such as GPF advance applications, and it does not need a separate official signature.

Understanding Your GPF Statement

Each column of the GPF slip has a specific meaning. Knowing them helps you verify your own account instead of depending on others.

Looking at the Closing Balance alone does not tell the whole story. Compare Opening Balance, Subscription, Withdrawal, Refund and Profit together to understand how the balance was formed or why it changed.

How GPF Balance Is Calculated

The GPF balance follows a simple structure:

Opening Balance + Subscription + Profit + Refund − Withdrawal = Closing Balance

The previous balance plus new deposits, profit and refunds, minus any withdrawals, gives the closing balance.

Worked Example

Suppose at the start of a fiscal year your GPF account had 500,000 BDT (Opening Balance).

This is only an illustrative example. Your actual calculation follows the official accounting method, and the profit rate depends on your total deposit slab.

GPF Profit Rate 2026

Profit on GPF deposits is paid at a rate fixed by the government. The current GPF profit rate is slab-based — the applicable rate depends on how much is deposited in the account.

Profit rates can change by government order from time to time. For your exact profit, the Profit column of your GPF ledger or slip is the most reliable source.

GPF Subscription Rate

The monthly GPF subscription is deducted from the employee's salary. According to CAFOPFM's FAQ, the GPF subscription rate ranges from a minimum of 5% to a maximum of 25% of basic salary. You can contribute anywhere within this range. A higher subscription increases both future deposits and profit.

To verify that your subscription is being deposited correctly, compare the Subscription column of your online slip with the GPF deduction shown on your salary slip.

How to Use the GPF Calculator

The CAFOPFM official website also provides a GPF Calculator. You can use it to estimate your future balance by entering:

• Opening Balance (balance up to 30 June of the previous fiscal year)

• Monthly Subscription

• Rate of Interest

• Advance Withdrawal (if any)

The calculator shows the Year End Balance based on these inputs. Note that the calculator is only for estimation — for your actual account information, always use the Individual GPF Information service.

GPF Balance Check by NID

Most GPF balance searches are NID-based, because the NID is the primary identifier in the system. To check GPF balance by NID:

1. Go to www.cafopfm.gov.bd and open GPF Information.

2. Enter the NID number used in pay fixation (10-digit Smart NID or 17-digit old NID).

3. Enter the registered mobile number and select the fiscal year.

4. Verify with OTP and view your slip.

If the 17-digit old NID does not work, try the 10-digit Smart NID. The first 4 digits of a 17-digit NID are the birth year; the remaining 13 digits are the core number. Use whichever format was recorded in pay fixation.

GPF Balance Check by Mobile Number

There is no separate "mobile-only" GPF check — the mobile number works together with the NID. The registered mobile number is used for OTP verification, and it must match the number recorded in pay fixation / iBAS++. If your mobile number has changed, the OTP will still go to the old number until you update it through your accounts office (CAO / DCA / UAO). Online, you cannot change the registered mobile number by yourself.

GPF Balance Check for Teachers

A large share of GPF account holders are teachers — government primary and secondary school teachers, college teachers, and madrasa teachers whose salaries come through iBAS++ / EFT. The process is the same for teachers:

5. Visit cafopfm.gov.bd.

6. Open Individual GPF Information.

7. Enter the NID and mobile number used in pay fixation.

8. Select the fiscal year, verify with OTP, and view the slip.

Teachers should check their slips at least once a year — ideally in July, after the June closing — to confirm that monthly subscriptions from salary are deposited correctly and that profit has been added.

GPF Balance Check on Mobile

No separate app is needed. The CAFOPFM website works from a mobile browser:

9. Open Chrome or any browser on your phone.

10. Go to www.cafopfm.gov.bd.

11. Open GPF Information / Individual GPF Information.

12. Enter NID, mobile number and fiscal year.

13. Verify with OTP.

14. View and download your GPF slip.

Before entering any information, confirm that the domain is exactly cafopfm.gov.bd.

Troubleshooting GPF Balance Check Problems

OTP Not Arriving

• Wait a few minutes — OTP delivery can be delayed by network issues.

• Check network coverage and your spam / blocked-message folder.

• Confirm that the number is the one given in pay fixation.

• If OTP still does not arrive after repeated attempts, wait a while and try again.

Data Not Found / Account Not Found

• Double-check the NID number.

• Confirm the mobile number is the pay-fixation number.

• Verify that the fiscal year is selected correctly.

• If everything is correct and the account is still not found, visit your accounts office (CAO / DCA / UAO) with your NID and pay slip.

NID Problems

• If the 17-digit old NID does not work, try the 10-digit Smart NID.

• If there is a mismatch in name spelling or date of birth, the account may not match — contact the accounts office.

Mobile Number Changed

If your mobile number has changed, you cannot update it online by yourself. Apply to your accounts office (CAO / DCA / UAO) to update the registered mobile number in iBAS++. After the update, OTP will come to the new number.

Balance Showing Lower Than Before

First check the Withdrawal / Advance column. If you took a GPF advance, that amount is adjusted from the balance, so the balance can be lower even if the subscription rate is unchanged. Also compare the Subscription amount with the GPF deduction on your salary slip.

Balance Not Updated

Balance may not update immediately after salary deduction. Compare your salary slip with the Subscription column of the online slip. After the June closing, the account is finalized, so checking in July gives the most updated statement.

Can You Check GPF Balance by SMS? — Warning

A wrong piece of information is circulating on many websites: GPF balance in Bangladesh cannot be checked by SMS. There is no SMS format or number for checking Bangladesh GPF accounts.

In particular, the method of sending EPFOHO UAN to 7738299899, shown on several sites, belongs to India's EPFO (Employees' Provident Fund Organisation) — it has nothing to do with Bangladesh GPF. Do not send your personal information to such numbers.

In Bangladesh, the only official online channel for GPF balance is the Individual GPF Information service on cafopfm.gov.bd.

GPF Slip Download and Print

After viewing your GPF slip, click Print or Download to save it. The printed statement is useful for:

• GPF advance applications

• Verifying yearly deposits and profit

• Keeping a personal record of your fund

The print copy does not require a separate official signature for these purposes.

GPF Advance, Nomination and Other Essentials

During service, you can take a GPF advance when needed. The advance is repaid in monthly instalments, and those repayments appear in the Refund column. After completing the required years of service, non-refundable withdrawal is also permitted for specific purposes such as house construction, children's marriage or education, subject to the applicable rules. An updated GPF slip printout is usually required with an advance application.

Every GPF account has a nominee. If the account holder dies, the nominee receives the deposited amount. It is wise to confirm from the accounts office that your nominee information is up to date.

GPF Balance Check — FAQ

What do I need to check my GPF balance?

Your NID / Smart ID number, the mobile number used in pay fixation, and the fiscal year you want to see.

Can I check GPF balance on mobile?

Yes. Open cafopfm.gov.bd in your mobile browser, go to GPF Information, and follow the same steps. No separate app is needed.

What if OTP does not arrive?

Wait a few minutes, check network and spam folders, and confirm the number is the pay-fixation number. If it still does not arrive, contact your accounts office.

Can I check with a 17-digit NID?

Yes — use the NID recorded in pay fixation. If the 17-digit number does not work, try the 10-digit Smart NID.

How often is GPF balance updated?

Deposits take some time to reflect after salary deduction. After the June closing, the account is finalized, so July gives the most updated statement.

Can I download my GPF slip?

Yes. After viewing the slip, use the Print / Download option to save it. The print copy can be used for advance applications and official purposes.

What is the GPF profit rate?

The current slab-based rate is 13% up to 15 lakh BDT, 12% for 15–30 lakh BDT, and 11% above 30 lakh BDT. Rates may change by government order.

What is the GPF subscription rate?

From a minimum of 5% to a maximum of 25% of basic salary.

My mobile number has changed. What should I do?

Apply to your accounts office (CAO / DCA / UAO) to update the registered number in iBAS++. You cannot change it online by yourself.

Can GPF balance be checked by SMS?

No. There is no SMS method for Bangladesh GPF. The EPFO / UAN method is India's, not Bangladesh's.

Final Words

Checking your GPF balance takes only a few minutes. Through the CAFOPFM official website, verify with your NID, mobile number and fiscal year, and your full statement appears with OTP verification. Check your slip regularly — confirm that subscriptions are deposited correctly, profit is added properly, and no information is wrong. If you notice any mismatch, contact your accounts office without delay.