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How to Transfer PF Online

In recent times, the dynamics of an employer-employee relationship has changed a lot. Retaining employees has become a difficult task for companies. The employees not only look out for their present status and growth, but also their future stability. Due to this, companies have started to provide various employee welfare schemes. Another reason for implementing such schemes is the rules and regulations of the country (India) in which a company is established. One of the employee welfare initiatives is the Provident Fund.

Another name for Provident Fund is Pension Fund. Contribution to this fund is made by the employer and employee. This amount can be claimed by the employee during the time of his or her retirement. A pre-decided part of the salary is transferred to the Provident Fund Account of the employee. This acts as a form of savings post the retirement.

Due to abundant growth opportunities, an employee keeps changing jobs more often. This results in the transfer of Provident Fund account from one employer to another.

Why Transfer PF?

A change in job gives an opportunity to the employee to withdraw the amount from the old Provident Fund account and open a new one. But given the tax scenario in our country, it is wiser to transfer the amount from the old fund to the new fund account. This is because any account closed within five years of its opening becomes taxable. The amount withdrawn within five years shall be liable to tax and will be considered as income.

Another advantage of transferring the old account in a new organization is that the EPFO provides interest on the amount lying in the provident fund. The other advantage is that partial withdrawal is allowed.

How to Use UAN to Transfer Provident Fund Online?

UAN helps to link the account to a member and simplifies the portability when employee shifts to a new organization.

What Information or Documents are to be kept ready before Transferring PF Online?

The following documents should be kept ready for the transfer:

  • Revised Form 13

  • Valid Photo ID Proof such as PAN, Aadhaar card or driving license.

Information such as personal details, UAN, current employer details – establishment number, account number, bank account details of the salary account, old and current PF account, have to be provided.

Step-by-step Procedure to Transfer PF Online

It is important that UAN is provided by the employer to the employee so as to facilitate easy transfer of funds online.

  • Visit the EPFO website - members.epfoservices.in/home.php
  • Create your Universal Account Number based login ID.
  • This will direct you to a page where UAN, mobile number and details of the current employer like state, establishment number and account number have to be entered.
  • Check if the account is eligible for a transfer on the EPFO site.
  • Fill in the state where the employer was located and search by name or establishment number from the dropdown menu.
  • After filling the above details, click on check availability.
  • Account eligibility will be checked by the site and then one can register the account on the EPFO website.
  • Valid Photo ID proof such as PAN, Aadhar or driving license has to be submitted
  • Phone verification will be done wherein the PIN will be sent to the provided mobile number
  • Post successful verification, a confirmation message will be displayed.
  • You will then be directed to EPFO Member Claims Portal.
  • Logging in the account will require document ID and phone number.
  • Options available will be visible post signing in.
  • Click on Request for transfer of account.
  • Fill in PF transfer form. It has three broad parts:
    • First part - enter personal information. Other details like the IFSC code of the bank and your salary account number will have to be entered.
    • Second part - fill details of your old PF account
    • Third part - fill in details of current PF account.
  • Click preview to see if the information filled is correct or else modify.
  • Enter the captcha and get the PIN and click “I Agree”.
  • The claim transfer is initiated after the PIN is entered.
  • The status of your funds' transfer can be checked easily through the portal.
  • Contact the previous/ current employer end or write to EPFO directly if any glitches are faced.
  • Through the above process, the funds are transferred easily.

What are the Advantages of Linking Aadhaar with UAN?

  • No duplicity of accounts

  • Personal details shall be extracted from aadhar card details feeded in the member portal

  • Funds can be transferred without the use of employee's DSC

  • Withdrawals will not require any attestation from the employeer

  • Leads to increase transparency in the system

Nomination of Beneficiary for EPF savings

A safety precaution that EPF has made mandatory is to nominate a beneficiary. In case of an account holder’s death, the nominee shall receive the funds. There is no restriction on changing the names of the nominee. The account holder shall nominate a member of the family. Any person outside the family shall be accepted as a nominee only if the account holder does not have a family.

The following steps have to be followed to make a nomination.

  • Log in to the UAN member portal.
  • To gain access to the site, enter your UAN.
  • Go to the dashboard and click on profile. The employee needs to choose the option “Edit Nomination List” from the drop-down list.
  • The following details shall pop up - name, date of birth, member ID, establishment ID, gender, father or spouse’s name, date of joining, marital status etc.
  • The only area that can be modified is the address. Click on update.
  • Next step is to fill in the details of your family members. Details of minors shall be provided too.
  • The details will then be visible on the EPF/EDLI section.
  • Changes can be made if errors are detected.
  • After filing the details, a percentage of the PF corpus to each member shall be assigned. It is to be taken care that the total will tally to 100%.
  • Next step is to fill in the details of the nominee.
  • For account holders who do not have family members, this section can be used to nominate a non-family member.
  • After entering the details of the nominee, click on submit.
  • In order to verify the details, click on the nomination declaration ‘check box’.
  • After having checked the nomination declaration, draft an approval.
  • Send details of the updated nominated beneficiary to your employer.
  • As a formality, it is necessary to take a print out of the nomination form, sign it and get the attestation of your employer.
  • The employer will digitally sign your nomination through the OTCP portal.
  • The employer has the authority to reject the nomination in certain cases.

Resolve your PF Withdrawal Issues Online

In the past, various problems and issues were faced by the employees regarding emergency withdrawals from PF accounts. Due to such increased complaints from the employees, EPFO has introduced a “Claim portal”. Any issue against the employer regarding Provident fund can be put up on this portal. The steps to be followed are:

  • Visit the website - employerclaims.epfoservices.in/
  • On the website, click on the EPFO ‘claim online’.
  • A claim can be raised by ant PF account holder facing issues with his employer
  • The PF holder can file a ‘complaint regarding provident fund’ on the portal if the employer refuses to allow you to make an emergency withdrawal.
  • EPFO will take up the issue, if valid, and solve it in due time.
  • Under following restrictions, an employee cannot file a complaint against their employer if the employer does not allow making PF withdrawals. In the below-mentioned cases, the claim shall not be acceptable. The conditions are:
    • An employer can reject the request of withdrawal if the PF account holder has not completed a minimum period of 2 months in the organization.
    • Employee can opt for complete withdrawal only if he has crossed 57 years of age. Before that, only 90% can be claimed.
    • It is important for the PF holders to know that any withdrawal made before five years of continuous service will attract tax provisions and post five years these are tax-free.

EPF Status through Claim ID

If the need arises, employees are allowed to withdraw and transfer amounts from their Provident Fund accounts. A claim is to be raised for such withdrawal and transfers. The employer shall then approve or reject the claim raised by the employee. To check approval of such a raised claim, the mobile app is required. Other methods are through the EPFO’s member portal or by SMS. The procedure is as follows:

  • Log on to EPFO’s member portal website - www.epfindia.gov.in/site_en/KYCS.php
  • Then click on ‘Know your status’ tool button;
  • One can also use this URL - www.epfindia.gov.in/site_en/KYCS.php
  • Provide details of the state your regional PF office is located in.
  • Provide details of your establishment code.
  • Continue with providing your PF account number.
  • Details such as 3-digit code of your PF account number - numeric or alphabetic, shall be asked. Kindly enter the same.
  • Post the above steps, you must click on submit so as to know your claim. Your status will pop up along with your claim status ID.
  • Using the claim ID on the EPFO member portal, the status of your claim can be directly checked.
  • EPFO’S mobile app or SMS by the EPFO are the various ways in which status of raised claim can be checked.

EPF Form 13 Status

It is important for employees who have shifted to a new organization to fill and submit Form 13 to both organizations as the attestation of both the entities is required. In Form 13, an employee has to provide details of the old and new organization along with a request to close the old PF account and intimation of new PF account. The linking of UAN with all PF accounts will render the above procedure obsolete. Till then, in order to check the status of Form 13, the following procedure has to be followed:

  • Log on to EPFO’s member portal website - www.epfindia.gov.in/site_en/KYCS.php
  • Then click on ‘Know your status’ tool button;
  • One can also use this URL - www.epfindia.gov.in/site_en/KYCS.php
  • Provide details of the state your regional PF office is located in.
  • Provide details of your establishment code.
  • Continue with providing your PF account number.
  • Details such as 3-digit code of your PF account number - numeric or alphabetic, shall be asked. Kindly enter the same. Post the above steps, you must click on submit so as to know your claim. Your status will pop up along with your claim status ID.
  • Using the claim ID generated for Form 13 on the EPFO member portal, the status of your claim can be directly checked.
  • EPFO’S mobile app or SMS by the EPFO stating that your PF has been transferred are the various ways in which status of raised claim can be checked post approval of the claim.

EPF claim status form 10C

Sometimes, in case of an emergency or roadblock situations in the life of an employee, there is no other way but to make withdrawal from the PF account. Withdrawing from PF accounts require approval from the employer who has the power to reject such claims raised in particular situations. To avoid such situations, linking of Aadhar card to PF account will be beneficial to the employee as the amount can be withdrawn without approvals.

Form 10C is required to initiate the withdrawal process. An employee can withdraw once approval from the employer is granted. The following procedure is for checking the status of Form 10C:

  • Log on to EPFO’s member portal website - www.epfindia.gov.in/site_en/KYCS.php
  • Then click on ‘Know your status’ tool button;
  • One can also use this URL - www.epfindia.gov.in/site_en/KYCS.php
  • Provide details of the state your regional PF office is located in.
  • Provide details of your establishment code.
  • Continue with providing your PF account number.
  • Details such as 3-digit code of your PF account number - numeric or alphabetic, shall be asked. Kindly enter the same.
  • Post the above steps, you must click on submit so as to know your claim. Your status will pop up along with your claim status ID.
  • Using the claim ID generated for Form 10C on the EPFO member portal, the status of your claim can be directly checked.
  • Post-approval of form, EPFO will inform you about the same and you can proceed for withdrawal.

EPF claim status form 10D

Various other schemes are organized by the EPFO along with the Provident Fund schemes. It has provided the employees to raise a pension fund for their retirement. Such pension funds will be created from their own provident fund account. If an employee is interested in such a scheme then he or she has to fill Form 10D. Post-filling up this form, it is the duty of the employee to check the status of Form 10D.

The procedure to be followed is:

  • Log on to EPFO’s member portal website - www.epfindia.gov.in/site_en/KYCS.php
  • Then click on ‘Know your status’ tool button;
  • One can also use this URL - www.epfindia.gov.in/site_en/KYCS.php
  • Provide details of the state your regional PF office is located in.
  • Provide details of your establishment code.
  • Continue with providing your PF account number.
  • Details such as 3-digit code of your PF account number - numeric or alphabetic, shall be asked. Kindly enter the same.
  • Post the above steps, you must click on submit so as to know your claim. Your status will pop up along with your claim status ID.
  • Using the claim ID generated for Form 10D on the EPFO member portal, the status of your claim can be directly checked.

Frequently Asked Questions

Is registration on member portal compulsory to transfer claim online?

Yes, registration on member portal is compulsory to transfer claim online.

Is editing of details such as father’s name, date of birth, date of joining and exit in the EPFO database allowed?

No, editing of details such as father’s name, date of birth, date of joining and exit in the EPFO database is not allowed.

Can a member take a printout of the claim submitted online and give it to the employer after signing it?

Yes, it is compulsory for the member to take a printout of the claim submitted online. The member shall give it to the employer after signing it.

Whom should the employee approach after online submission to get a signed printout of the claim?

The employee should approach the employer who has attested the form while submission.

In how many days should the duly signed form be submitted by the employee?

The employee should submit the form within 15 days of its online submission.

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