What Are The Transfer Claims For Employees Under EPF?


The Employees' Provident Fund (EPF) is a crucial social security scheme in India designed to provide financial stability and retirement benefits to millions of employees across various industries. Governed by the Employees' Provident Fund Organization (EPFO), the EPF system plays a pivotal role in securing the future of Indian workers. Among the significant facets of the EPF is the seamless transfer claims process, which enables employees to carry their accumulated funds and benefits from one employer to another, ensuring uninterrupted savings and financial security.

EPF transfer claims can be overwhelming for employees seeking to switch jobs or employers wanting to facilitate a smooth transition for their workforce. The transfer claims process entails understanding the relevant procedures, regulations, and documentation requirements to ensure a hassle-free transfer and uninterrupted accumulation of EPF benefits.

Importance of UAN in Online Transfer of EPF

The Universal Account Number (UAN) holds immense importance in facilitating the online transfer of Provident Fund (PF) balances. The UAN serves as a unique identifier for each employee covered under the EPF scheme. It acts as a single point of contact for employees to access and manage their EPF accounts, regardless of changes in employment or employers. This feature eliminates the need for employees to apply for new PF account numbers with each job change, simplifying the transfer process and ensuring the continuity of their PF benefits.

When an employee joins a new organization, they can provide their UAN to their new employer, who can then link the employee's EPF account with the UAN.

The UAN serves as a critical element in the EPFO's online portal, providing employees with easy access to their EPF account details, such as contributions, interest accrued, and other relevant information. Employees can log in to the EPFO's member portal using their UAN and access their passbook, which displays the updated PF balance and transaction history. This transparency and accessibility empower employees to stay informed about their PF savings, ensuring transparency and accountability in the system.

Documents Required For Transferring PF Online

To ensure a smooth online PF transfer, the following requirements should be met:

  1. Activation of UAN: The member must activate their UAN on the UAN portal, and the mobile number used for activation should remain active. This step is essential to establish the member's identity and enable the transfer process.
  2. Seeding Bank Account and IFSC Code: The employee's bank account details, along with the corresponding IFSC code, must be linked or "seeded" with the UAN. This linking ensures that the transferred funds are accurately directed to the employee's designated bank account.
  3. Aadhaar and PAN Seeding: While it is not mandatory to seed the Aadhaar number and PAN with the UAN for raising transfer claims, these documents play a crucial role in verifying the member's identity and complying with legal requirements. Seeding these details can streamline the transfer process and enhance accuracy.
  4. Employer's e-KYC Approval: The employer should approve the electronic Know Your Customer (e-KYC) process, which validates and verifies the member's identity and employment details. This approval ensures that the transfer claim is legitimate and complies with regulatory standards.
  5. Digital Registration of Authorized Signatories: The previous and current employers must digitally register authorized signatories in the EPFO system. This registration establishes the employer's credibility and authority to initiate and approve transfer claims.
  6. Accuracy of Personal and PF Account Information: The personal information and PF account-related details displayed in the EPFO system should be accurate and up-to-date. This includes information such as the member's name, date of birth, employment history, and PF account numbers. Ensuring the accuracy of these details helps prevent errors and discrepancies during the transfer process.

Procedure To Transfer PF Online

Transferring PF online is a straightforward process that involves the following steps:

  1. Activate UAN: Ensure that the UAN is activated. If not, visit the UAN portal and follow the activation process using your mobile number, member ID, and other required details.
  2. Link Aadhaar and PAN: While not mandatory, it is advisable to link Aadhaar and PAN with the UAN. This helps in validating the identity and complying with legal requirements.
  3. Verify KYC details: Check if the KYC details, such as the bank account number and IFSC code, are correctly updated and linked to the UAN. If not, provide the necessary details and upload the relevant documents.
  4. Log in to the EPFO portal: Visit the EPFO's unified portal at www.epfindia.gov.in and log in using the UAN and password.
  5. Go to the "Online Services" section: Once logged in, navigate to the "Online Services" section, where you will find various options for PF services.
  6. Select "One Member - One EPF Account (Transfer Request)": Choose the option that allows you to initiate a transfer request for consolidating your PF accounts. This feature helps transfer your accumulated PF balance from your previous employer to your current employer.
  7. Enter the required details: Provide the necessary information, such as your previous and current employer details, previous PF account number, and establishment code. Fill in the required fields accurately to avoid any delays or errors in the transfer process.
  8. Verify and submit the transfer request: Review the details entered and verify their accuracy. Once satisfied, submit the transfer request through the online portal. You may receive a PIN on your registered mobile number or email for verification purposes.
  9. Track the transfer request: After submitting the transfer request, you can track its progress through the EPFO portal. Keep an eye on the status to stay informed about the processing and completion of the transfer.
  10. Approvals and completion: The transfer request undergoes verification and approval from the EPFO and both employers involved. Once approved, the PF balance will be transferred from your previous employer's account to your current employer's account.

Documents Required To Complete PF Transfer

To successfully complete the transfer of PF, the following documents will be required:

  1. UAN
  2. KYC
  3. Aadhaar Card
  4. Permanent Account Number
  5. Bank Account Details
  6. Previous Employer Details
  7. Transfer Claim Form
  8. Proof of Employment
  9. Address Proof

Benefits of Transferring PF

Transferring your PF account offers several benefits from a legal perspective. Here are some key advantages:

  1. Consolidation of PF Accounts: Transferring your PF helps consolidate multiple accounts into a single account, which simplifies the management of your retirement savings. It eliminates the hassle of tracking and managing multiple accounts, ensuring better control and monitoring.
  2. Retention of PF Balance: By transferring your PF, you retain the accumulated balance from your previous employer. This balance continues to earn interest and remains invested, contributing to your long-term financial well-being.
  3. Uninterrupted Service Period: The transfer process ensures that your service period is uninterrupted. The years of service accumulated with your previous employer are counted towards your total years of service, which can impact your eligibility for certain benefits like pension.
  4. Seamless Provident Fund Withdrawal: Transferring your PF account eliminates the need to withdraw funds prematurely. Premature withdrawals can have tax implications and may result in a loss of long-term savings. By transferring, you can continue to build your retirement corpus and withdraw it as per the applicable rules and regulations.
  5. Enhanced Retirement Savings: Transferring your PF account allows for the continued growth of your retirement savings. With the power of compounding, your funds can grow over time, providing you with a more substantial corpus upon retirement.
  6. Legal Compliance: By transferring your PF, you comply with the regulations set by the Employees' Provident Fund Organization (EPFO). This ensures that your PF transactions are in line with the established legal framework, safeguarding your interests and entitlements as an employee.


The introduction of the Unified Portal for EPF transfer claims has significantly streamlined the process, making it more efficient and less time-consuming for employees. With the online platform, employees can easily initiate and track their transfer claims, eliminating the need for physical paperwork and reducing the chances of delays or errors. Transfer claims under EPF not only facilitate the transfer of funds but also preserve the social security and retirement savings of employees. By transferring their accumulated provident fund balance, employees can ensure the continuity of their savings and access to various EPF benefits, such as interest accrual and income tax exemptions. While the EPF transfer claim process has seen significant improvements, there is always room for further enhancement. It is crucial for the EPF authorities to continue investing in technology, providing user-friendly interfaces, and ensuring a robust and secure online platform.