Simple Guide to Merge EPF Accounts Online

If you’ve changed jobs, chances are you have more than one EPF account linked to your Universal Account Number (UAN).

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Even though your UAN stays the same, every new employer may create a fresh PF account under it.

Over time, this leads to multiple accounts holding your retirement savings.

The problem? These accounts don’t merge automatically.

To bring everything together, you need to request a transfer through the Employees’ Provident Fund Organisation (EPFO).

Merging your PF accounts has clear benefits:

All your savings are in one place

Easier to track your money

Fewer issues during withdrawal

Better clarity for retirement planning

The good news is that the process is now simple and can be done online.

Here’s how you can do it:

Step 1: Visit the official EPFO website.

Step 2: Log in using your UAN and password.

Step 3: Go to “Online Services” and click on One Member – One EPF Account.

Step 4: Check your details and enter required information like your registered mobile number.

Step 5: Click on “Generate OTP” and verify it on the portal.

Step 6: Enter details of your old PF accounts that you want to merge.

Step 7: Accept the declaration and submit your request.

Once submitted, your current employer will need to approve the request.

After approval, EPFO will process the transfer and merge your accounts.

The Employees’ Provident Fund (EPF) is a government-backed savings scheme designed to help you build a retirement fund.

Both you and your employer contribute 12% of your basic salary and DA to your EPF account.

Currently, the EPF offers an interest rate of 8.25% per year for FY 2025–26.

Along with steady returns, it also provides tax benefits, making it a reliable long-term savings option.

If you’ve switched jobs multiple times, don’t ignore your old PF accounts.

Merging them early can save you from complications later and ensure your retirement savings are well-organized and easy to access.