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The Employees' Provident Fund came into existence on the 15th November, 1951. It comes under the Ministry of Labour & Employment. The EPFO, in an effort to digitalize the age-old EPFO accounts of users, introduced the Unified Portal. This portal serves as a single point of access to all your EPF account related transactions and queries.
After digitalization of the EPFO site, all users were given a UAN (Universal Account Number). UAN stands for Universal Account Number that can help track multiple membership IDs. Multiple member IDs can be created if you work over a period of time for different organizations and each organization assigns you a different EPF ID. These IDs are for your EPF accounts with different organizations.
UAN is assigned by the EPFO via the employer and has to be enabled by the employee by completing the Know-your-Customer (KYC) process through the employer. This UAN allows users to link their various EPF accounts under a single identification number from different employers. You can use the 'Know Your UAN' option on the UAN Portal homepage to find out if you do not know your UAN number. Once you have your UAN number, you will need to register to view your EPF accounts on the UAN portal.
You can easily link your PAN card to your EPF account as the Employees Provident fund organization has made it easier for people to do this online on their own.
About How To Link Pan With Epf Account
Your PAN card is one of the important financial documents. The Permanent Account Number (PAN) helps keep track of the taxes paid by the entities doing business in India. The government made it mandatory that PAN be linked to different financial instruments. It also helps in saving EPF withdrawal taxes.
Linking EPF accounts with Aadhaar has already been made mandatory. However, if we process any online EPF claims, seeding of PAN and bank account number is important though not compulsory yet. To make online claims in EPF, you must update your KYC details which means you need to update your PAN number.
Although not mandatory, you must link your PAN with EPF account as TDS of approximately 34.60% will be deducted during the final PF withdrawal without a valid PAN number. However, if you have linked your PAN card with an EPF account, the rate at which TDS will be deducted is 10%. Thus, linking is beneficial for your future related claims.
Please follow the below steps to link your PAN with EPF account:
1. What is UAN?
UAN stands for Universal Account Number. The UAN will serve as an umbrella for the multiple Member Ids assigned by various institutions to an entity. The concept is to attach multiple Member Identification Numbers (Member Id) allocated under a single Universal Account Number to a single member. It will help the member to display details of all the relevant Member Identification Numbers (Member Id). If a member is already assigned a Universal Account Number (UAN), he / she will be required to provide the same when joining a new establishment in order to allow the employer to mark the new assigned Member Identification Number (Member Id) with the already assigned Universal Identification Number (UAN).
2. What is the purpose of listing previous member ids?
The idea is to list multiple Member Identification Numbers (Member Id) assigned to a single member under a single Universal Account Number. This will help the member view information of all Member Identification Numbers (Member Id) and also allow the online transfer claim eligibility to be reviewed through the 'List Previous Member ID' and 'View Status' options from the 'Previous Member ID' menu. There will be no need to list the member IDs in the future, as it will be linked automatically based on the information provided in Form-11. Member must disclose his / her UAN / Previous Member ID via Form-11 to the new employer.
3. Can I update/upload my KYC document through a member portal?
Yes, it can be done by going to the 'Profile' menu and in the Member Portal, selecting 'Update KYC Information.' The member's uploaded KYC document will have to be approved by the employer. Until then, the KYC status shall be displayed as "Pending”.
4. Which documents are considered for KYC? Do I have to upload the scanned copy of that document?
Following documents can be used for KYC:
5. What are the advantages of having a UAN?
Once the member has activated his/her UAN on the unified portal he can enjoy the following benefits:
6. What are the benefits of seeding my Aadhaar, PAN & Bank accounts details with UAN?
Once you have linked your Aadhaar, PAN & Bank account details with your UAN, you can carry out the following transactions online through your UAN login:
7. What is the benefit of providing PAN on my EPF account?
If a member provides / links PAN with their EPF account, in cases where the PF balance is greater than Rs. 50,000/ and the service rendered is less than 5 years, the tax (TDS) would be deducted @10% and not 34,606%.
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