When people change jobs, their PF accounts often get scattered.
If old PF details are not shared with the new employer, a fresh PF account is created.
Over time, one person may end up with multiple PF accounts, and their savings remain spread out.
EPFO 3.0 has now made this problem much easier to solve.
Employees can merge all their PF accounts into one single account quickly and online.
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Why Merging PF Accounts Is Important
Earlier, transferring PF was a slow and paperwork-heavy process.
Many people avoided it, which led to inactive PF accounts and confusion about total savings.
With EPFO 3.0, the entire process is digital and hassle-free.
Having one PF account helps you track your total retirement savings clearly.
Interest is calculated properly, and withdrawals or pension claims become much simpler.
Things to Check Before Merging PF Accounts
Before starting the process, make sure a few details are in place.
Your Universal Account Number (UAN) must be active.
Aadhaar, PAN, and bank details should be linked to your UAN.
Also, ensure your personal details like name and date of birth match across all PF accounts.
If there are any errors, correct them first to avoid rejection.
Step-by-Step Process to Merge PF Accounts
Start by visiting the EPFO Unified Member Portal.
Log in using your UAN and password.
Go to the “Online Services” section and select “One Member – One EPF Account (Transfer Request)”.
Enter your old PF account details, such as PF number and previous company name.
Choose whether approval will be taken from your old employer or your current one.
Submit the request and verify it using the OTP sent to your Aadhaar-linked mobile number.
What Happens After You Submit the Request
Once approved, the balance from your old PF account is automatically transferred to your current or main PF account.
The process is now much faster than before.
If needed, you can still use the offline method by submitting Form 13 through your employer, but the online option is easier and quicker.
How EPFO 3.0 Benefits Employees
EPFO 3.0 removes the stress of managing multiple PF accounts. With everything in one place, financial planning becomes clearer and more organized.
All your savings and interest remain secure and continue to grow until retirement.
If you have changed jobs and hold multiple PF accounts, merging them now is a smart and safe step toward a stronger retirement fund.