How to Merge Two PF Accounts - Steps to Merge 2 EPF Accounts Online

If you have worked at more than one company, it’s possible that you’ve ended up with multiple EPF (Provident Fund) accounts under different UANs. Merging these accounts not only simplifies your EPF management, but also ensures that all your savings remain under a single active account. Here’s how you can merge two (or more) EPF accounts online.

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What Causes Multiple PF Accounts / UANs?

• When you join a new job, sometimes the employer issues a new UAN, instead of linking to your existing one.
• Missing “Date of Exit” from your previous employer can lead to generation of a second UAN.
• In some cases, mismatches in KYC (Aadhaar, PAN, bank) can make the system treat you as a “new” member, resulting in a fresh UAN.

Having multiple UANs is not ideal, and EPFO recommends consolidating them into a single, active UAN.

Step-by-Step: How to Merge Two EPF Accounts Online

Here’s a detailed breakdown of the procedure to merge your old PF account(s) into your current, active UAN account.

1. Ensure KYC Is Updated

   • Make sure your KYC details (Aadhaar, PAN, bank account) are seeded and updated for your UAN.
   • This is crucial for claims and transfers to go through smoothly.

2. Log In to the EPFO Member Portal

   • Go to the Unified Portal: Member e-Sewa, through the EPFO site.
   • Use your active UAN and password to sign in.

3. Navigate to “One Member – One EPF Account (Transfer Request)”

   • After login, click on Online Services → One Member – One EPF Account (Transfer Request).
   • This is where you initiate the merging / transfer process.

4. Select the PF Accounts to Merge

   • On the “Transfer Request” page, you should see a list of previous EPF accounts (member IDs) linked to other UANs.
   • Choose the old PF account(s) that you want to transfer to the current UAN.

5. Employer Attestation

   • For the old PF account, you need to get Form 13 (transfer form) attested. You can choose either:

     • Present employer, or
     • Previous employer

   • Attestation by the present employer typically speeds up the process.

6. Generate OTP and Submit

   • After selecting the account(s), you will receive an OTP on your registered mobile number.
   • Enter the OTP and submit the transfer request.

7. Download & Submit Form 13

   • Once you submit, download the Form 13 from the portal.
   • Fill out Part A, B, and C of Form 13 with your personal details, previous PF account details, and current account details, respectively.
   • Get the form attested (as decided in step 5), and submit it.

8. EPFO Processing

   • EPFO will process your request. Under its revamped Form 13 process, in most cases employer approval is no longer required for the destination (new) office.
   • Once processed, old UAN(s) may be deactivated by EPFO.

9. Track Your Request

   • Use the “Track Claim Status” on the Member Portal to monitor your transfer request.
   • EPFO will also notify you by SMS when the old UAN is deactivated.

10. Verify Transfer Completion

    • After EPFO completes the merging/transfer, check your EPF passbook (on the portal) to confirm the balance has moved to your active account.
    • Also ensure there is no active balance left in the old/inactive UAN account.

Important Updates & Things to Note

• In 2025, EPFO simplified its transfer process: with the revamped Form 13, only the source office approval is needed in many cases.
• EPFO may automatically detect and block old UANs once a transfer is done, even if you haven’t raised a request.
• Ensure your exit dates from previous employers are correctly updated in the portal. Without a valid date of exit, your transfer request may fail.
• If email is more convenient, you can also write to uanepf@epfindia.gov.in with your old UAN(s) and current UAN to request merging.
• After merging, the inactive UAN becomes blocked, and no further EPF contributions can be made into it.
• Ensure your KYC details are consistent across the UANs (old and new). Mismatch in name, DOB, Aadhaar can delay or block transfer.

Why Merge PF Accounts?

• Simplifies your EPF holdings: Instead of managing multiple EPF account statements, you have just one.
• Continuity of service period: For long-term interests (like pension/EPS), having one UAN ensures continuity.
• Avoid interest loss or fragmentation: By consolidating your EPF balances, you make sure your total savings grow effectively, rather than staying segmented.