How to merge two or more EPFO accounts? By Vikram Shah - September 24, 2019 Last Updated at: Jul 13, 2020 11399 Multiple job changes typically result in multiple Employee Provident Fund (EPF) accounts being opened, one with each employer. With the introduction of the UAN (Universal Account Number), it is possible to consolidate multiple accounts into one single account for each EPFO member. Retirement fund body EPFO offers a facility to its members that allows consolidation or merger of their multiple PF accounts with the current universal account number (UAN). With the universal account number, each EPFO member can consolidate multiple accounts into one single account. That way whenever you change a job, you will be able to see your EPF transactions or passbook statement at the same place. Case Study 1: Vishal, who is 28 years, is working in an IT firm. After 3 years, he had moved to Kolkata from Bangalore for a change in his career. He had closed the previous organization’s PF account and started with a new one once he shifted to Kolkata. Case Study 2: Priya, who is 26 years, is a Marketing Analyst. After 2 years, she changed her organization. She continued using her old PF account without closing it even though she got shifted to a new company. When considering the two case studies, Priya has taken the right decision of continuing with the previous PF account even though she changes to many firms. Changing a job within a year or two is common these days. A lot of working people these days change companies or organisations often in the quest for a better paycheque and career opportunities. Then again, such job switching additionally comes with alterations and merger of old and new provident fund records of the employee (EPF). To amend these issues the legislature launched Universal Account Number, in short UAN which is a unique 12-digit account number given to the EPF members. In such a way, you can merge your EPF accounts. You should have to write to the EPFO to block your previous UAN and make sure to transfer the balance amount to your current active UAN. You can do it online by visiting the official portal. According to the rules, every member of the Employees’ Provident Fund Organisation (EPFO) must have only one Universal Account Number (UAN). Ask a Free Legal advice The UAN number permits linking all your provident fund accounts in one account. This allows the tracking of these accounts more easily. There are few more benefits of UAN number that an employee can exchange funds starting with one PF account then onto the next quickly and effectively utilizing UAN number. One can likewise interface your Aadhar number to UAN which lessens the requirement for a signature for transfer or withdrawal of PF money. In case you have two PPF accounts you have to combine them into one. Members will be able to download the passbook on the EPFO portal. The PDF format of the passbook can be downloaded. What steps are needed to follow to merge two EPF accounts into one? The person must provide the KYC which requires verification of PAN, Voter ID, Bank Account, etc. The person must have a UAN, and it ought to be linked to your existing EPF account. It is mandatory to wait for three days after activating UAN before merging EPF accounts. How to consolidate two EPF accounts into one EPF account using UAN online: Visit the EPFO website. Next click services. Then pick One Employee and One EPF Account link. After choosing One EPF account link, you will get one window on the screen where the employee has to fill the details like UAN, phone number, etc. After all the details have been filled click Generate OTP, you will receive an OTP on your registered mobile number. The above procedure can be done either by the individual, as it is quite simple to do by self. An alternative way to do is to submit the claim either through his or her present employer or the organisation the person has quit from. Consolidating two EPF accounts is easy and guarantees that you have one combined account. This makes life easier, and you get a single amount when you need to pull back your employee’s provident fund. With the passing of Aadhar Act, 2016 (26th March 2016), EPFO is presently looking to make Aadhar, the essential address proof. Individuals having Aadhar seeded UAN, avoid the trouble of claim forms verification by the company. How an Aadhar card number benefits through UAN? You may now have figured out why it is important to consolidate two EPF accounts into one EPF account. At the same time, it is additionally essential to comprehend that you should link your Aadhar Card. First is that the settlement of payments turns out to be simple when you do as such. Also, it is more precise. In case you have not presented your Aadhar card so far, you ought to do as such at the soonest. How to transfer EPF account offline? The offline transfer can be applied through Form 13. There is a standard procedure that you have to pursue, fill the Form-13 (Download from EPFO official site) which your new organisation HR can provide you, where you have to enter the details of your current PF account and submit to your new organisation HR. The PF balance from the previous organisation will consequently begin taking in new PF sum. The PF account has a place with the govt element, so whether you work in a government organisation or a private firm the procedure is the same for all. Each time you change job it’s simply the new organisation detail and record that should be refreshed. FAQs How can you get your UAN? You can get your UAN from your employers. The UAN will also be mentioned on your salary slip. What happens if you have 2 UANs at the same time? It is illegal to have two UAN numbers in the same period. You should have only one UAN, and all the EPF accounts must be linked to it. What is the official URL or website or portal to login to the UAN? You can log in into the Employees’ Provident Fund Organization, India and type your username and password to check-in for your UAN details. Is it mandatory to link Aadhaar to EPFO? Yes, the EPFO has made it mandatory to link your Aadhaar with your Employee Provident Fund Account (EPFO). How many days it takes to merge two PF accounts? It generally takes about 20 days for the process to take place from the date of submission. But while considering online, it might take less time.