When people change jobs, managing their Provident Fund often becomes confusing.
Many employees forget to share their old PF details with a new company, which leads to the creation of multiple PF accounts.
As a result, savings get scattered across different accounts, making tracking and withdrawals difficult.
The good news is that EPFO 3.0 has made this problem much easier to solve.
Now, employees can merge all their PF accounts into one single account through a simple online process.
EPFO 3.0 Makes PF Account Merging Easy
Under EPFO 3.0, adding or transferring PF accounts is faster, completely online, and paperless.
What earlier took weeks and involved employer follow-ups can now be done from home.
Having one PF account keeps all your retirement savings in one place.
It prevents inactive accounts, ensures correct interest calculation, and makes withdrawals and pension claims much smoother.
Things to Check Before Merging PF Accounts
Before starting the transfer process, make sure a few basic details are correct.
Your Universal Account Number (UAN) must be active. Aadhaar, PAN, and bank details should be linked to the UAN.
Also, personal details like your name and date of birth must be the same across all PF accounts.
If there is any mismatch, update it first to avoid rejection.
Step-by-Step Process to Merge PF Accounts Online
First, visit the EPFO Unified Member Portal.
Log in using your UAN and password.
Go to the “Online Services” section and click on One Member – One EPF Account (Transfer Request).
Enter your old PF account details, including the previous PF number and company name.
Choose whether approval should come from your old employer or your current one.
Submit the request and verify it using the Aadhaar-linked OTP.
What Happens After You Submit the Request
Once the request is approved, the balance from your old PF account is automatically transferred to your active account.
The process is now much quicker than before.
If needed, employees can still use the offline method through their employer by submitting Form 13.
However, the online option is the easiest and most reliable.
Why This Change Is Good for Employees
EPFO 3.0 has reduced the stress of managing multiple PF accounts.
With all savings in one place, financial planning becomes simpler and more transparent.
At retirement, all contributions and interest are credited together.
If you have changed jobs and hold more than one PF account, it is best to merge them as soon as possible.
This ensures your hard-earned money stays safe, organized, and continues to grow for the future.
