Merge / Consolidate Multiple PF accounts with UAN of one Employee

Procedure for how to consolidate / Merge Multiple PF accounts with UAN of one Employee to one epf account at web portal….
The Employee Provident Fund Organization (EPFO) has put in place a new facility to help members consolidate funds in their PF accounts by linking them with one Universal Account Number (UAN). This service is now available online thanks to EPFO portal. Any employee who wants to perform this action will need a fast internet connection together with their smartphone, Personal Computer or Desktop computer.

Requirements to Link For accounts with UAN Number
Below are some of the things that you need to have before linking multiple EPF accounts with UAN one employee.

  1. UAN number
  2. Your current EPF account number linked with UAN number
  3. KYC details like IFSC code, Aadhaar number, Bank Account Number, PAN Card. All these details must be verified by your current employer.
  4. An activated UAN number
Merge Multiple PF accounts

How to Consolidate Multiple PF accounts with UAN One Employee-One PF Account

  • Open your installed web browser and visit EPFO web portal by typing in on the search bar. Press “Enter” button on your keyboard to initiate the search process.
  • Once in the site, click on ‘Our Services’ option from the main menu. This action will generate a drop down box from where you should click on ‘Employee Services’ tab.
  • You will be redirected to a new page on the site containing all the services listed under ‘For Employees’ category.
  • Click on ‘One Employee-One PF Accounts’ option that can be seen clearly from the services section on ‘For Employee’ page.
  • Enter your registered mobile number linked with UAN in the box set aside for this option.
  • You will then have to fill in your activated UAN number and member ID.
  • A One Time verification Pin (OTP) will then be sent to your registered mobile number that is linked with UAN. Enter this OTP correctly to verify your details.
  • Next, fill in the old EPF ID before accepting the declaration.
  • Click on ‘Submit’ button to send the request for merger of the current account to an existing PF account.

The account merging facility will take close to three days after activation of UAN. To get the most out of this service, you will have to make use of a registered and updated KYC and Aadhaar details. Merging accounts is a good system by the Employee Provident Fund Organization. This is because it allows employees the chance of getting in touch with EPF authorities directly. You will therefore never have to make do with the long and tedious process of visiting EPFO officers in order to get the services that you need.

How to Merge / Combine / Consolidate Multiple PF accounts with UAN One Employee – One PF Account?

  1. How to Merge Multiple PF accounts of an employee?

    Go to EPFO website and click on ‘Services’ option. Select one employee and one EPF account link. It is then that you have fill the mandatory details like UAN together with the OTP sent to your mobile number after clicking on ‘Generate OTP.’ Enter the details of the previous EPF accounts you want to join, mark the declaration and click ‘Submit’ button.

  2. How to Consolidate Multiple PF accounts with 1 UAN?

    Visit EPFO homepage and go to Services under ‘One Employee- One EPF Account’ option. Correctly fill in the required details and click on ‘Generate OTP’ button. Enter the OTP and click on ‘Verify OTP’ tab for verification purposes. Enter all your EPF accounts on the page that follows, declare and finally submit it.

EPF Withdrawal using UAN Number in

Procedure of Withdrawing Employee Provident Fund (EPF Withdrawal) using UAN Number in website….
Provident Fund is one of the best tools for creating a financial corpus for the future. In this scheme, a part of the basic salary of the employee has reduced. As per the government instructions, the individual will get the interest on the amount. Once you take retirement then the whole amount, along with the attention, given to the employees. Some of the money will transfer towards the EPS [Employee Provident Scheme]. There are several ways you can check the amount of EPF here. 

If you are retired and feel that you want to get your money, there is a EPF withdrawal procedure. An EPFO member has to wait for more than two months to apply for the withdrawal of his or her PF claims.

Rules Associated With EPF Withdrawal

One can receive their Provident Fund amount within two months after leaving an existing job. The PF money is meant to help employees when they have retired meaning they do not have monthly income from their employers. There are some guidelines that one needs to understand before making a PF withdrawal of their EPF claims. They include;

  • The applicant has to fill in the Employee Provident Fund form with correct and relevant details and add a stamp from your previous employer.
  • A member of the EPFO should submit Form 19 to withdraw his or her Provident Funds.
  • Members are also required to provide form 10C when they want to claim a pension.
  • The members should know that it usually takes about 40 days from the date of submission to transfer your funds from one account to another.
  • If an employee withdraws his or her Provident Funds before the end of five years after opening the PF account, the money becomes taxable.
  • No employee is entitled to apply for their Provident Funds just two months after leaving their jobs.
  • Withdrawal of your Provident Fund earlier after leaving one’s job is not encouraged because after retirement means you can never get employed again and you will not have any salary rather than depending on the Provident Funds money.
Epf Withdrawal

How to Withdraw EPF Balance Amount using Universal Account Number (UAN)

There are two main ways in which one can withdraw their EPF, and they include;

  1. PF Withdrawal by physical application
  2. EPF Withdrawal using the online portal

Withdrawal using the Physical Application
The first step is to visit the Employee Provident Fund Organization portal using this link: uan login

  • After logon into the above mentioned website.
  • Go to the ‘Our Services’ option on the home page, and a drop-down menu will appear to select the option ‘Act and Schemes’ and click on it.
  • You will be redirected to a new page showing you the provisions Act needed, one should download them.
  • After downloading, fill in the new composite claim form and ensure that all details filled are correct.
  • Submit your form to the respective EPFO jurisdiction office.
  • After the organization has done the review, the amount claimed will be transferred to your bank account for easy withdrawal.

Withdrawal using the Online Portal

  • To withdraw using the portal, visit the Universal Account Number portal using this link:
  • On the right-hand side of the home page, you will be required to fill in your login details. Key in your UAN number, UAN password, finalize by entering the captcha code given below and press the option ‘Submit.
  • Click on the tab with the option ‘ Manage’ and a drop-down menu will appear to select the KYC to confirm whether your KYC details like the PAN, Bank details and Aadhaar are accurate and verified.
  • After your KYC details have been verified, on your homepage, go to the option ‘Online Services’ a drop-down menu will appear to select the option ‘Claim’ and press on it.
  • You will be redirected to a new page where your ‘Claims ‘ will be displayed. You will be able to see details all your details and KYC details.
  • The next step is to click on the tab ‘Proceed for Online Claim’ to submit your claim form.
  • Ensure that in your claim you specify the type of application you require because there are different types, which include full EPF statement, EPF part withdrawal for either the entire loan or an advance, pensioned withdrawal and many more.
  • Under the tab, ‘I want to apply for’ select your desired claim request and click on it. After some time your money will be deposited in your bank account.
  • In case you notice that on the option ‘Proceed to claim’ that a drop-down menu is not appearing due to the service criteria it is important to visit the EPFO. This means that you are not able to receive these online services like pension withdrawal or PF withdrawal it is because you are not eligible for any EPF services.

It is also important for members to note that in case one is applying online for EPF partial withdrawal like a loan or an advance, you do not require submitting any documents for application.

How to Withdrawal EPF using UAN Number?

  1. How to withdraw 100% PF amount?

    You will first have to Login to the EPFO website with your Universal Account Number (UAN), password and Captcha. Click on ‘Online Services’ tab and choose the relevant form from the options displayed. Enter the last four digits of the bank account number linked with the provident fund account and click on ‘Verify’ button.

  2. How to withdraw PF amount using UAN?

    First things first, login to EPFO e-SEWA portal using your UAN and password. After successful login, choose the relevant form (Form-31, 19, 10c & 10D) in the online services section. Enter your bank account details before confirming Terms and Conditions. Fill in the details before uploading the necessary documents. Enter the OTP sent to your registered mobile number to submit your claim application.

How to Link Aadhaar number without UAN at

Procedure on Seeding or Link Aadhaar Number without UAN / With UAN in website…
The main reason for linking Aadhaar with your PF or UAN account is to make the verification process more straight forward in website. It also allows for bio-metric and demographic analysis of employees. The EPFO has gone ahead and provided a platform for EPF Aadhaar linking process, which is hassle free both through online and through offline platforms.

There are benefits associated with Linking your Aadhaar number with UAN and PF account. Your Aadhaar number is a valuable identification tool. Once you connect it with your PF account, the verification process becomes flexible. The Aadhaar number also certifies further that you are an Indian resident this will which helps in the verification process.

By linking the two, your account becomes more secure. This is because no other party can withdraw your funds except you. It also fastens your withdrawal process. With the EPF Aadhaar link, you can quickly close your account. You can do it online without the consent of your employer. Linking your account also ensures that you do not duplicate your EPF account with a similar UAN.

Link Aadhaar Number with UAN at

Link Aadhaar number without UAN / With UAN at

If anyone Employee may unable to get Universal Account Number from the employer. You can get the UAN from the UAN portal too. You have to go through the Unified Member Portal.

A step-by-step description on how to Link your Aadhaar number with your UAN / PF account online.

  • The first step is you need to open the official EPFO website. This can be done by using this link
  • A page will open named as the ‘Employees Provident Fund Organization’. On the page you will be required to fill in your UAN and password that has been provided by the EPFO.
  • Fill in your credentials (User ID & Password). Once the credentials are verified, you will see a tab ‘manager’. Click on this tab and select Know Your Customer (KYC) option.
  • When you select the KYC option, the assigned fields that will require you to fill in your details will appear. These include your bank UAN, .
  • You must ensure that the name used in your Aadhaar is the same name that you have used in registering your account.
  • Make sure you check if all the information filled are correct. If there are errors ensure you correct them before moving to the next step.
  • Select the ‘Submit’ tab. At this stage, your request will have successfully been submitted.
  • Alternatively, there is also another way that you can link your Aadhaar with the PF / UAN using the offline platform by using the UMANG APP. It involves these steps UAN, Mobile Number, Confirm OTP, Aadhaar Number, Aadhaar verification and Captcha code. Click on Submit.
  • Begin by downloading the UMANG APP. This app is available on the Google Play store and Apple IOS.
  • On this app, you will realise that many online services are being offered. Search and click on the EPFO link.
  • Click on the link this link which will direct you to the EPFO website.
  • On the website go to KYC option and download an Aadhaar seeding form. If you are unable to download them through the site, you can walk to the nearest EPFO office and pick the form.
  • Once you have the form fill in all your details including you Aadhaar and UAN number.
  • Attach the form with your PAN and driving license.
  • Once all the above procedures are fulfilled, submit these document to the nearest EPFO offices or the Common Service Centers (CSC).

With the help of the Bio-metric credentials on e-KYC Portal of the EPFO

You want to use this method then you only need the registered bio-metric device for Aadhaar verification

  • Visit You have to tap on the ‘Link UAN Aadhaar’ under the ‘For EPFO Members.’
  • You have to add your UAN
  • You will get the OTP at UAN registered mobile number 
  • Once you verify the OTP, you need to add the Aadhaar details. 
  • You have to choose the bio-metric method for the registration. 
  • Bio-metric will capture the registered mobile device. 
  • Once you verify it, Aadhaar will link to the UAN where UAN and the details of the Aadhaar matched.

Both of these procedures are easy and simple to follow. After submitting all the details, it usually takes around 15 business days to verify and link your Aadhaar number without UAN or with UAN at Once your account has been successfully authenticated, you will receive a text from the EPFO confirming that your link has been created. There are some cases where you request may be declined if such happens. It is important to contact your employer or visit the nearest EPFO offices to have the matter resolved.

How to Link your UAN with Aadhaar number at

  1. How to Link Aadhaar Number with PF Account?

    Visit the official portal of EPFO and login to your account using your UAN and password. Select the ‘Manage’ section and click on ‘KYC’ option. You’ll be redirected to a new page where you should select ‘Aadhaar’ to link with your EPF account. Enter your Aadhaar number and name as per your Aadhaar card before clicking on the ‘Save’ option.

  2. How to Link Aadhaar with UAN?

    Visit Epfindia website and click on ‘Link UAN Aadhaar’ option under ‘EPFO Members.’ Enter your UAN and registered mobile number before keying in the OTP received. Fill all the other details correctly, after which you should select ‘Using Mobile / Email based OTP’ for Aadhaar verification. Enter the Captcha and click on ‘Submit’ button to complete the process.

Difference Between EPF vs PPF (Employees PF vs Pensioners PF)

Let’s see What is the EPF vs PPF (Employees Provident Fund vs Pensioners Provident Fund)….
EPF is the common term used in referring to Employees Provident Fund, a government run scheme to all Indian employees of the organized sector. Members of the EPF are required to contribute 12% of their monthly basic salary towards this scheme. They can then access these savings as soon as they retire or when one is rendered jobless.

Public Provident Fund on the other hand is a savings scheme operated by the government and can be accessed by every person regardless of whether you are self-employed, employed, unemployed or retired. PPF is not mandatory and there is no specific amount of money that you have to contribute as is the case with EPF. is the official website. In this post, we are going to have a look at some of the differences which exist between EPF vs PPF.

Eligibility Criteria

PPF is made available to every Indian citizen regardless of whether you have a source of employment or not. This means that students, self-employed, employees and retired people of India can become members of the PPF. On the other hand, EPF is only made available to salaried employees of a company registered under EPF Act. You can therefore not become a member of EPF lf you have no source of employment.


Investment Amount

All members of the Employee Provident Fund will have to part with 12% of their basic salary every month towards EPF savings account. However, you can increase the contribution voluntarily depending on your monthly salary and financial muscle. For PPF members, there is no fixed amount that one needs to contribute. You will only have to make a minimum contribution of RS.500 and a maximum savings of RS.1.5 lambs per year.


When it comes to tenure, EPF allows its members the chance of closing their accounts as soon as they quit the current job. One can also opt to transfer the account whenever they decide to change a company. Members of PPF are easy required to make the saving for 15 years after which they can extend for a block of 5 years indefinitely.

Governing Act

The Public Provident Fund is governed by the Government Savings Banks Act,1873 which has now been revised to Public Provident Act,1968. On the other hand, EPF scheme is under the Employees Provident Fund and Miscellaneous Provisions Act, 1952.


Any investment in EPF qualifies for a tax deduction under section 80 Crores of the Income Tax Act. The taxation is applicable to both the Employees and Employers contribution. Interests and withdrawals from EPF are tax free unless a member decides to access the savings within 5 years after opening the EPF account.

When it comes to Pensioners Provident Fund, any investment in your account up to Rs.1.5 lakh per year will get you a tax deduction under section 80C of the income tax act,1961. The interest and maturity amount are also exempted from tax as is the case with EPF.

These are just some of the differences that exist between EPF vs PPF. The good news is that both the EPF vs PPF tend to be a safe method of statutory backing.

How to get Both EPF and PPF ?

  1. How to get EPF?

    To get EPF, you should first sign in to the UAN Member Portal. Click on the ‘Online Services’ and select ‘Claim (Form-31, 19 & 10C) from the drop down-menu. Proceed for online claim by clicking on this option and select ‘PF Advance (Form 31).’ It is then that you have to follow the prompts that appear on your screen to get EPF.

  2. How to Get PPF?

    You can open PPF account offline at your nearest post office. All it takes is for you to get an application form at the post office and fill all the required details correctly. Attach the necessary documents and submit the form together with the initial deposit. Once your details are verified, your PPF account will be opened.

Download EPF Passbook or UAN Passbook in

Downloading Process on Employee Provident Fund Organization (EPFO) EPF Passbook or UAN Passbook in website…..
A record that shows all your Employee Provident Fund account is known as the EPF passbook. Therefore, if an EPFO member wants to know how his or her account has been doing, then they should download the EPF passbook. Members can check their EPF account statements online through the online EPFO portal. You will only need to use the passbook facility, which is the e-passbook, and from there you can easily download all the details of your EPF balance and check your status at any time.

Instructions on How to Download EPF Passbook in

Here is the procedure to download the EPF passbook are as follows…..

  • Visit the Employee Provident Fund Organization (EPFO) official website using this link and navigate to the Members Passbook page.
  • On the members’ passbook page, key in your Universal Account Number and the password and press the option ‘Login’ to sign into your account.
  • You will then be redirected to a page that shows passbooks of the EPF accounts, which have been linked with your UAN number. All the information will be displayed on your screen.
  • The next step, under the ‘Select Member ID to view Passbook’ is to click on the EPF passbook number and all your transaction details will be displayed on the screen.
  • Select the ‘Download’ option, and you will be requested to select and enter the state and the PF office of that state. If you are not sure about the state.
  • You will now enter your EPF account number and your name as per your EPFO records.
  • Below you will also enter correctly the captcha code given below and a one time PIN number will be automatically sent to your registered mobile number.
  • Enter the PIN number sent and hit the ‘Get Details’ option.
  • You will be then be redirected to another page where the passbook will open in the pdf format.
  • One can either read it from there or download and print out their EPF passbook.
  • It is important for the EPFO members to note that the EPF e-passbook is only available to those members whose employer has uploaded the returns and e-Challan.
EPF Passbook

How to Download Universal Account Number UAN Passbook

Just recently, the Employee Provident Fund Organization introduced the option to download the UAN passbook. Members with an active UAN can easily download their UAN passbook through the EPFO India online portal, and they do not have to queue for long in the Government offices to get their passbook. Members to provide them with monthly details of each transaction use the UAN passbook. It is more of a tool to help you manage your Employee Provident Fund account.

Through the EPFO official website, members can view and download their UAN passbook. To get your UAN passbook, you must consider it first, and you can later download and print it for use. It is imperative to note that before attempting to get your UAN passbook, ensure that your UAN number is active and if it is not, there is a way to activate your UAN online.

Here is a step-by-step procedure on how one can easily download their Universal Account Number passbook.

  • If your UAN is active, visit the official Employee Provident Fund Organization official website at to access the UAN account.
  • Log into your account by filling in your Universal Account Number and password and click on the option ‘Login’.
  • You will be redirected to the home page, navigate to the tab with ‘For Employees’ under that click on ‘UAN Member e-Sewa’.
  • After that, you will be redirected to yet another page where you are supposed to enter your UAN and UAN password.
  • Below that, enter the captcha code given correctly and press on the ‘Login’ option.
  • You will be signed in to your UAN account. On the menu bar, click on the ‘Download’ option, and a drop-down menu will appear select and click on the ‘Download Passbook’ option.
  • From there you will be redirected to another page where your passbook will be shown in a pdf format.
  • You can now download and print out your Universal Account Passbook.

The Employee Provident Fund Organization has helped in the reduction of the everyday hassle to their offices by introducing online help to their members. The organization is now allowing their members to even download their EPF and UAN passbook through their mobile phones on the EPFO application. It is also important for members to note that their UAN passbook will only be available to them if their employer has updated the e-Challan and returns.

How to Print EPF Passbook and UAN Card online at

  1. How to print EPF Passbook online?

    Visit the Member Passbook page on EPFO website. Correctly enter your UAN and Password before clicking on the ‘Login’ button to access your account. Click on the EPF Member ID under ‘Select Member ID to View Passbook’ option. Your passbook will open in the next tab in PDF format. You can now download the passbook and take a printout of the same.

  2. How to print UAN Card online?

    Once you log into your EPF account, you should click on the ‘UAN Card’ option. Your UAN card will then be displayed on the screen. Click on the ‘Download’ option to download a copy of the same. Finally, click on the ‘Print’ option to finally print the UAN card without going through a lot.