A Step-by-Step Guide to Online EPF Transfer

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Transferring your Employee Provident Fund (EPF) online is a seamless and convenient process in India, thanks to the digitization initiatives by the Employees’ Provident Fund Organisation (EPFO). EPF transfer becomes necessary when employees change jobs or are transferred to a different location. We are here to provide a step-by-step guide on how to transfer EPF online in India.

Step 1: Activate UAN (Universal Account Number)

Before initiating the EPF transfer process, ensure that your UAN is activated. The UAN is a unique 12-digit number assigned to every EPF account holder. If you have not activated your UAN, contact your employer to obtain the UAN and complete the activation process on the EPFO member portal.

Step 2: Link Aadhaar with UAN

Ensure that your Aadhaar number is linked and verified with your UAN. KYC verification, including Aadhaar, is essential for a successful EPF transfer.

Step 3: Sign in to EPFO Member Portal

Visit the EPFO member portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) and login using your UAN and password. If it’s your first time logging in, the portal will prompt you to change your password for security reasons.

Step 4: Go to ‘Online Services’ and Select ‘Transfer Request’

Once you are logged in, navigate to the ‘Online Services’ section and select ‘One Member – One EPF Account (Transfer Request)’ from the drop-down menu.

Step 5: Verify Member Details

The portal will display your member details, including name, date of birth, and Aadhaar number. Verify the information to ensure its accuracy.

Step 6: Check Eligibility for Transfer

Make sure you are eligible for the EPF transfer. EPF transfers are allowed only if you are currently employed and contributing to EPF. If you have been unemployed for more than two months, you are not eligible for an online transfer.

Step 7: Select ‘Previous Account’ for Transfer

Provide the details of your previous EPF account from where you want to transfer the funds. This includes the PF account number, establishment number, and the state where your previous PF account was maintained.

Step 8: Employer Verification

Your previous employer will receive an online request for verification. They need to approve the transfer request within 10 days of receiving the request.

Step 9: Transfer of Funds

Once your previous employer verifies the transfer request, the EPF funds will be transferred to your current EPF account. You will receive a confirmation message once the transfer is complete.

Step 10: Check Transfer Status

You can check the status of your EPF transfer online on the EPFO member portal. The transfer status will indicate whether the transfer is approved or pending.

Documents Required for EPF Transfer

To initiate the transfer of your Employee Provident Fund (EPF) from your previous employer’s account to your current employer’s account, you will need to submit certain documents. These documents help facilitate a smooth and seamless transfer process. Here are the essential documents required for EPF transfer:

  1. Form 13 – Transfer Claim Application: Form 13 is a transfer claim application that needs to be filled and submitted to the EPFO. Obtain it from your current employer or downloaded from the EPFO website.
  1. UAN (Universal Account Number): Your UAN should be activated and the KYC details like Aadhaar, PAN, and bank account should be linked to it.
  1. Aadhaar Card: Aadhaar is a crucial document for EPF transfer because it is used for authentication and verification purposes.
  1. PAN Card: Your Permanent Account Number (PAN) is required for tax-related purposes during the EPF transfer process.
  1. Bank Account Details: You need to provide your bank account details, including the account number and the bank’s IFSC code, to facilitate the transfer of EPF funds.
  1. Previous and Current Employer Details: The EPF transfer process requires details of both your previous and current employers, such as their names, addresses, and establishment codes.
  1. EPF Account Number (Previous and Current): You need to provide the EPF account number of your previous and current employers to facilitate the transfer.
  1. Canceled Cheque (Current Employer): Some EPFO offices may require a canceled cheque from your current employer’s bank account as a verification document.
  2. Employee’s Signature: Your signature is required on the EPF transfer claim application (Form 13) to authenticate the transfer request.

Why Should You Transfer Your EPF?

Transferring Employee Provident Fund (EPF) from your previous employer to your current employer or consolidating multiple EPF accounts offers several benefits and reasons to initiate the transfer. Let’s explore some of the key reasons to transfer EPF:

  • Consolidation of Funds: Transferring EPF helps consolidate all your retirement savings in one account. If you have worked with multiple employers and have multiple EPF accounts, consolidating them into a single account simplifies tracking and managing your funds.
  • Easy Access to Savings: Having all your EPF savings in one account makes it easier to access and monitor your retirement corpus. You can keep track of your contributions and accrued interest more efficiently.
  • Avoiding Inactive Accounts: If you have left a job and your EPF account becomes inactive (no contributions for more than three years), transferring the funds to your current EPF account keeps the funds active and ensures they continue to earn interest.
  • Continuity of Service: Transferring EPF maintains the continuity of your service years, which is essential for calculating the total years of service for pension calculations and other benefits.
  • Interest Continuation: The EPF earns interest, and transferring the funds to your current EPF account ensures that the interest-earning process remains uninterrupted.
  • Tax Benefits: If you withdraw EPF before five years of continuous service, it becomes taxable. By transferring the EPF instead of withdrawing it, you retain the tax-exempt status for your accumulated EPF balance.
  • Ease of Withdrawal at Retirement: Transferring EPF to your current employer’s account simplifies the process of withdrawing the entire EPF balance at retirement or after attaining the age of 58.
  • Retirement Planning: Consolidating your EPF funds allows for better retirement planning and financial management. You can evaluate your retirement corpus more effectively and make appropriate investment decisions.
  • Avoiding Multiple UANs: Transferring EPF helps avoid having multiple Universal Account Numbers (UANs), which can create confusion and complications in the long run.
  • Employer’s Contribution: Transferring EPF ensures that your current employer’s contribution also adds to your overall EPF savings, enhancing your retirement corpus.
  • Adherence to PF Rules: Transferring EPF is in line with the EPF rules, which encourage employees to maintain only one EPF account throughout their working life.


The EPF transfer process has been significantly simplified through the digitization efforts of the EPFO. With the UAN acting as a central link and KYC verification, the transfer process has become more efficient and quicker. Most of the documentation can be submitted online through the EPFO member portal, making it easier for employees to initiate and track the transfer of their EPF funds. Before proceeding with the transfer, it’s essential to verify all the required documents, ensure that your UAN is active, and follow the EPFO guidelines to make the process smooth and efficient.


Frequently Asked Questions (FAQs):

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Amit Arora

I am a seasoned retail banker with over 21 years of global experience across business, risk and digital. In my last assignment as Global Head Digital Capabilities, I drove the largest change initiative in the bank to deliver the end-to-end digital program with over US$1 billion in planned investment. Prior to that, as COO for Group Retail Products & Digital, I implemented a risk management framework for retail banking across the group.
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