How to Add/Update Bank Account Details in EPFO Easily

Updating bank account details in the Employees’ Provident Fund Organisation (EPFO) is an important step to ensure hassle-free withdrawals, transfers, and claim settlements. Incorrect or outdated bank details often lead to claim delays or rejections. To make the process simpler, EPFO provides an option to add or update bank account details online through the UAN Member Portal. This digital facility helps members receive their provident fund amounts directly into their active bank accounts without visiting any EPFO office.

Why is it Important to Update Your Bank Account in EPFO?

Keeping your bank account details updated in the EPFO portal is crucial to ensure that all your Provident Fund (PF) transactions happen smoothly. When you withdraw or transfer your PF balance, the amount is directly credited to your registered bank account. If the account details are outdated or incorrect, the payment may fail, causing unnecessary delays and complications.

Updating your bank information in EPFO also helps maintain your KYC compliance, which is essential for online claim submissions and e-verification. In addition, having an active and accurate bank account linked to your UAN prevents fund settlement errors and safeguards your retirement savings. Regularly checking and updating your EPFO bank details ensures that your hard-earned money reaches you securely and without any interruptions.

How to Add Bank Account Details in EPFO (Online Process)

Adding your bank account details in the EPFO portal is a simple and fully online process that ensures your Provident Fund withdrawals or transfers reach your correct bank account without delays. You can easily complete this through the UAN Member e-Sewa Portal by following the steps below:

Step 1: Visit the EPFO Member Portal

Go to the official EPFO UAN Member e-Sewa Portal.

Step 2: Log in Using Your Credentials

Enter your UAN number and password, then click ‘Sign In’. Once logged in, you’ll receive an OTP on your Aadhaar-linked mobile number for verification. Enter the OTP and click ‘Submit’ to continue.

Step 3: Open the ‘Manage’ Section

On your dashboard, go to the ‘Manage’ tab and select ‘KYC’ from the dropdown menu.

Step 4: Choose the ‘Bank’ Option

In the KYC section, select ‘Bank’ and enter your Name, Bank Account Number, and IFSC Code accurately. Ensure your name matches your EPF and bank records.

Step 5: Save and Verify Using Aadhaar OTP

After entering the details, click ‘Save’. You’ll be asked to authenticate through Aadhaar OTP verification. Enter the OTP received on your registered mobile number and click ‘Submit’ to confirm your request.

Step 6: Bank-Level Verification

Your new bank details will now appear under ‘Pending KYC’. The EPFO system first sends the information to your bank for validation of account details and name. Once verified by the bank, it proceeds to your employer for final approval.

Step 7: Employer Approval and Final Confirmation

After bank verification, your employer reviews and digitally approves your KYC request. You may need to upload supporting documents such as a cancelled cheque or bank passbook. Once approved, the status changes to ‘Digitally Approved KYC’, and you’ll receive an SMS notification confirming your bank account has been successfully linked with your EPFO profile.

How to Update Bank Account Details in EPFO Without Employer Approval

Follow the steps below to complete the process online and update your bank account in EPF even without your employer’s approval:

1. Log in to the UAN Member e-Sewa Portal using your UAN ID and password.
2. Go to the ‘Manage’ tab on the top menu and select ‘KYC’ from the drop-down options.
3. Under the KYC section, choose ‘Bank’ as the document type.
4. Enter your bank account number and IFSC code carefully.
5. Click on ‘Verify IFSC’ to validate your bank’s IFSC code.
6. After verification, click on ‘Save’ to submit the details.
7. You will receive an OTP on your Aadhaar-linked mobile number. Enter the OTP and click ‘Submit’.
8. Your request will be sent for employer and bank approval.
9. Once approved, your bank account details will be updated in your EPFO account within 2–3 working days.
10. Using the UMANG/EPFO App

How to Update or Change Bank Account Details in EPFO

Follow the simple steps below to update or change your bank account details in the EPFO portal:

Step 1: Go to the official EPFO Unified Member Portal.

Step 2: Log in using your UAN number, password, and the captcha code.

Step 3: On the dashboard, click on “Manage” and select “KYC” from the dropdown list.

Step 4: Under the KYC section, choose “Bank” and enter your Name, Bank Account Number, and IFSC Code as per your bank records.

Step 5: Click “Save” to submit your details. You’ll receive an Aadhaar-based OTP on your registered mobile number — enter it and click “Submit.”

Step 6: Your new bank information will appear under the “Pending KYC” section. EPFO first sends the details to your bank for validation, and once verified, it is forwarded to your employer for approval.

Step 7: Your employer may ask for supporting documents such as a cancelled cheque or bank passbook copy. Once verified, the KYC status will update to “Digitally Approved KYC.”

Step 8: You’ll receive an SMS confirmation on your registered mobile number once your new bank account has been successfully linked with your EPFO account.

How to Check If Your Bank Account Is Updated in EPFO

After updating your bank account details in EPFO, it’s important to verify whether the new details have been successfully linked and approved. This ensures your provident fund withdrawals and transfers happen smoothly without any delays or rejections. You can easily check the update status through the UAN Member e-Sewa portal by following the steps below:

1. Visit the EPFO Member e-Sewa Portal
2. Log in with your UAN and Password - Enter your UAN credentials and the captcha code to access your account.
3. Navigate to the ‘Manage’ Tab - From the top menu, click on ‘Manage’ and then select ‘KYC’.
4. View KYC Details - Under the KYC section, you’ll see a list of documents linked to your EPF account.
5. Check Bank Account Status - If your bank details show the status as “Approved by Employer” and “Verified by EPFO”, it means your account has been successfully updated.

If the status still shows “Pending for Approval”, it indicates that your employer or EPFO is yet to verify your request. Once approved, you can use your updated bank account for PF withdrawals, claim settlements, and transfers without any issues.

Tip: Always double-check that your bank account number and IFSC code match your actual bank records to avoid claim rejections or delays.