Merge Two PF Accounts Online

When changing jobs, merge PF accounts by linking UAN, completing KYC, and submitting details for smooth financial tracking.
OPEN FD
Merge Two PF Account
OPEN FD
4 min
24-December-2024

Switching jobs is a common practice among employees looking for better opportunities, higher pay, and growth. When you start a new job at another organisation, a new PF account is created under the same UAN. However, the funds from your previous PF accounts won’t be transferred automatically to the new account. You have to manually initiate the process. Thus, if you have changed jobs recently, you might be wondering how to merge two EPF accounts.

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Special tenure of 18, 22, 33, 42 and 44 months offered for higher returns
  5. Up to 0.40% p.a. extra interest offered for senior citizens
  6. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

Prerequisites for merging PF accounts

Merging two PF accounts is a complicated process if you have all the prerequisites in place before initiating the request. You simply need to keep the following things in mind when filing a merger request:

  • You must complete the KYC procedures before filing a merger request. This includes verifying your Aadhaar, bank account, PAN, and other details.
  • You should have a UAN that is linked to your present EPF account.
  • You have to wait for at least 3 days post-UAN activation to initiate a merger request

Steps on how to merge two PF account online

1. Via the EPFO portal

Here is a step-by-step guide on how to merge two PF accounts:

Step 1: Visit the EPFO website

Step 2: Sign in with your UAN and password

Step 3: Click on the ‘Online Services’ tab

Step 4: Select the ‘One Member - One EPF Account’ option

Step 5: Fill out the required information like your name, UAN, etc.

Step 6: Click on the ‘Generate OTP’ option

Step 7: Enter the OTP sent to your registered phone number and click ‘Verify OTP’

Step 8: In the pop-up window that follows, fill in details of your earlier PF accounts you wish to merge

Step 9: Click on the declaration box and then the ‘Submit’ button

2. Via email

In case you have two PF account, you can request the EPFO to deactivate your previous UAN through email. Simply email your request to uanepf@epfindia.gov.in, outlining your current and previous UANs. EPFO will conduct the necessary verification process to deactivate your previous UAN. You will also need to submit a claim request for the transfer of service and funds from the previous UAN to the current UAN.

Also read: PF balance check

Pro tip

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Why merge EPFO accounts in India

  • Consolidation of funds: Understanding how to merge your PF accounts can help consolidate your funds in one account, making it easy to track and manage your retirement savings.
  • Reduced complexity: Tracking and managing multiple PF accounts can be a complex process, requiring you to remember login information, passwords, and other related information. Maintaining one account can simplify the management process.
  • Tax benefits: Merging your PF accounts combines your entire employment history to establish a continuous service record. EPF withdrawals are tax-free after 5 years of continuous service. Withdrawing more than Rs. 50,000 from your EPF account before 5 years of continuous service attracts a 10% TDS.

Things to do after merging your PF accounts

  • Update your KYC: Review and update your KYC information if required to ensure your Aadhaar, PAN, bank account, and contact details are accurate and current.
  • Monitor your PF balance: Regularly check and monitor your PF balance via the EPFO portal to keep track of your retirement savings.

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Conclusion

The EPFO's online portal lets you easily merge multiple PF accounts. This consolidates your benefits for streamlined retirement planning. If job changes have left you with multiple UANs, learn how to combine your EPF accounts under a single UAN.

If you are looking for safe investment option, then you can consider investing Bajaj Finance Fixed Deposit. With a top-tier AAA rating from financial agencies like CRISIL and ICRA, they offer one of the highest returns, up to 8.85% p.a.

Calculate your expected investment returns with the help of our investment calculators

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Frequently asked questions

What happens if I have two PF accounts?

If you have two PF accounts, you need to transfer the balance from the old account to the new one.

Should I merge my PF accounts?

Yes, you need to merge your PF accounts. As an employee, you should not have more than one UAN.

How long will it take to merge two PF accounts?

You can initiate the account merger process 3 days after activating the new UAN. Fund transfers can take up to 20-30 days.

How can I merge two PF accounts online?

You can merge your PF accounts online through the EPFO member portal. Here's a general outline of the process:   

  • Visit the EPFO website: Access the official EPFO website.   
  • Login with your UAN: Use your Universal Account Number (UAN) and password to log in to your member portal.   
  • Navigate to online services: Find the option for "One Member - One EPF Account" under Online Services.   
  • Provide account details: Enter the details of the PF account you want to merge into your existing account.
  • Verify information: Review and confirm all the entered information carefully.
  • Submit the request: Submit the merge request online.

The EPFO will process your request, and the funds from the merged account will be transferred to your primary account.

Can we transfer 2 PF accounts at the same time?

Yes, generally, you can transfer multiple PF accounts to your primary account simultaneously through the online portal.

Is it illegal to have two PF accounts?

It is generally not considered legal to have multiple PF accounts for the same individual. Each employee should ideally have only one active PF account linked to their UAN.

How can I merge two PF accounts under the same UAN?

You can merge two PF accounts under the same UAN by following the online process described in answer #1. The primary objective of the "One Member - One EPF Account" initiative is to ensure that all PF contributions for an employee are consolidated under a single UAN.

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