EPFO KYC update: how to add or change your bank account, Aadhaar and PAN in your UAN
Your PF KYC is the bank account, Aadhaar and PAN linked to your UAN. Without it, online claims and transfers fail. Add or change them on the EPFO member portal (Manage → KYC) or the UMANG app. Since April 2025, adding a bank account to your UAN no longer needs employer approval, and claims no longer need a cheque-leaf photo for KYC-compliant UANs. If Aadhaar is not seeded or is wrong, your employer can seed or correct it through a joint declaration (from August 2025), or the PF office PRO can do it for you. It is all free.
Key facts Last verified: 9 Oct 2026
| Item | Details | Source |
|---|---|---|
| Bank account seeding | Employer approval no longer needed (from April 2025) | EPFO (PIB, 16 Jun 2025) |
| Cheque leaf / passbook upload | Not needed with claims for KYC-compliant UANs | Ministry of Labour (PIB, 17 Mar 2025) |
| Aadhaar seeding or correction | Through Joint Declaration on the member portal (from August 2025); employer can seed directly if details match; PF office PRO can file if employer is unavailable | Ministry of Labour, Year End Review 2025 |
| Wrong member ID linked to UAN | Online de-linking facility (since 18 Jan 2025) | Ministry of Labour (PIB, 17 Mar 2025) |
| UMANG face authentication | UAN allotment, activation and access to KYC updates | EPFO (PIB, 9 Apr 2025) |
| Cost | Free; do not pay agents | EPFO (PIB, 16 Jun 2025) |
Sunil from Kolhapur tried to withdraw PF for his daughter's college fees. The claim was rejected: "bank account not verified". His UAN still had the salary account from his first job, which he closed in 2022. Fixing the KYC took him 10 minutes. Here's how.
What is "KYC" in PF?
| KYC item | Why it matters | Must match |
|---|---|---|
| Bank account | Claims are paid only into this account | Your name as in UAN; account must be active |
| Aadhaar | Needed for UAN activation, OTPs, online claims and transfers | Name, date of birth and gender in your PF record |
| PAN | Lower TDS on PF withdrawals before 5 years | Your name as in UAN |
Add or change your bank account
- Log in to the EPFO member portal (unifiedportal-mem.epfindia.gov.in), or open UMANG → EPFO.
- Go to Manage → KYC.
- Choose Bank, enter the account number and IFSC, and save.
- The bank details are verified online. Since April 2025, no employer approval is needed to seed a bank account with your UAN.
- Check the status on the same KYC page. Once verified, use this account for claims.
Closed old account still linked? Simply add the new active account. Claims are paid only to the verified account on your UAN, so update it before filing a claim. A claim paid to a closed account bounces and takes longer.
Aadhaar not seeded, or the wrong Aadhaar linked
- First-time seeding or correction: since August 2025, the member portal has a Joint Declaration facility. If your Aadhaar details exactly match your UAN profile, the employer can seed it directly, with no other approval. If they don't match, the employer forwards the request online to the EPFO office.
- Employer not available? Go to the PRO (Public Relations Officer) at your PF office. The PRO can file the request online for you.
- Easiest route for many people: activate or authenticate your UAN with face authentication in UMANG. Your details come straight from Aadhaar. See UAN activation with face authentication.
- Name or date of birth different from Aadhaar? Fix that first: PF name and date of birth correction.
Add PAN
Under Manage → KYC, choose PAN, enter the number and save. Make sure your PAN is operative (linked with Aadhaar). With a valid PAN, TDS on a PF withdrawal before 5 years of service is lower. See TDS on PF withdrawal and PAN inoperative.
A PF account you don't recognise in your UAN?
Sometimes an employer links a wrong member ID to your UAN by mistake. Since 18 January 2025, members can de-link a wrongly linked member ID online from the member portal. More than 55,000 members did so in the first six weeks.
KYC still "pending"? Quick fixes
| What you see | What to do |
|---|---|
| Bank shows pending or rejected | Check the account is active and the name matches your UAN; re-enter with the correct IFSC |
| Aadhaar not verified | Make sure name, date of birth and gender match Aadhaar exactly; correct them first |
| Employer is closed or not responding | Ask the PRO at your PF office, or raise a grievance on EPFiGMS |
All EPFO KYC services are free. EPFO has warned members not to pay cyber cafés or "fintech" agents, who charge large sums and may misuse your login and bank details. Do it yourself on the portal or UMANG, or ask the PF office.
Frequently asked questions
How can I change the bank account in my PF?
Log in to the EPFO member portal, go to Manage → KYC → Bank, add the new account number and IFSC, and save. Since April 2025 employer approval is not needed for bank seeding.
Does EPFO KYC update need employer approval?
Not for adding a bank account since April 2025. For Aadhaar seeding or correction, the employer can approve a joint declaration, or the PF office PRO can file it if the employer isn't available.
How do I correct a wrong Aadhaar linked to my UAN?
Use the joint declaration facility on the member portal (available from August 2025). The employer forwards it, or the PRO at your PF office can file it for you.
Do I still need to upload a cheque with my PF claim?
Not for KYC-compliant UANs. EPFO removed the cheque-leaf or passbook upload requirement for them.
Is there any fee for EPFO KYC update?
No. All EPFO services, including KYC updates, are free.
Official links
Use only these government websites. HumainOne is not connected to any of them.
- EPFO Member PortalManage → KYC, de-link member ID
- UMANG — EPFO servicesUAN, KYC, claims on mobile
- EPFOFAQs and press releases
- EPFiGMS grievance portalKYC complaints
- EPFO helplineToll-free
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