How to merge multiple PF accounts? Khelja  |  2025-06-23T10:21:23+08:00

Let us understand how you can merge multiple  .

Merging accounts
Salaried employees often end up with multiple Provident Fund (PF) accounts due to job changes over the course of their careers. Since each new employer creates a separate account, it becomes essential to consolidate them into a single account. This ensures accurate interest accumulation, simplifies fund management, and prevents complications during final withdrawal or pension calculation.

Activate
It is important to first ensure that your Universal Account Number (UAN) is active. This unique number remains the same across jobs and is used to link all your PF accounts.

details
You need to ensure that KYC details (like ,PAN and bank account) are updated and verified in your current PF account. This is crucial for seamless transfer.

Initiate transfer on EPFO portal
Visit the EPFO member portal and log in using UAN and password. Under the ‘Online services’ tab, select ‘One member–One EPF account (transfer request)’. Enter previous PF account details and submit the request. The request is authenticated using Aadhaarbased OTP. Once submitted, the EPFO initiates the merging process.

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