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EPFO 3.0 PF Account Merge Process: Employees often face significant difficulties merging their PF accounts when they change jobs. If the details of the old PF account are not provided to the new company, a new PF account is created. This results in a single individual having multiple PF accounts. This is a very common problem, leading to savings being scattered across different accounts. EPFO ​​3.0 has solved this problem in a very simple way. Now you can merge or transfer all your PF accounts into a single account.

Under EPFO ​​3.0, merging PF accounts has become faster, paperless, and very convenient for employees. Previously, this process was difficult, but now everything is done online. Having a single PF account ensures all your retirement savings are consolidated in one place. This eliminates confusion, prevents the creation of inactive accounts, and ensures accurate interest calculations. Withdrawals and pension claims also become much easier.

How to Merge Two PF Accounts?
To merge PF accounts, first check the following: Your Universal Account Number (UAN) must be active. Your Aadhaar, PAN, and bank details should be linked to your UAN. Your personal information, such as name and date of birth, should be the same across all your PF accounts. If there are any discrepancies, get them corrected first. Now let's look at the step-by-step process.

First, go to the EPFO ​​Unified Member Portal.
Log in using your UAN and password.
Go to Online Services and click on One Member – One EPF Account (Transfer Request).
Then fill in the details of your old PF account, such as the old PF number, company name, etc.  Be sure to select whether the approval is to be obtained from the old employer or the new employer.
After filling in all the details, submit the request.
An OTP will be sent to your Aadhaar-linked mobile number; enter it to verify.

What happens after the transfer request?
Upon approval, your old PF balance is automatically transferred to your new or existing account. This process is now very fast. If you prefer, you can still transfer your EPF manually by filling out Form 13 through your employer. However, the online method is the best and easiest.

EPFO 3.0 has further improved the PF system. Now, employees don't have to worry about managing multiple accounts. Having just one account makes financial planning easier. At retirement, you receive all your savings and interest correctly. This change is very beneficial for millions of employees. If you have changed jobs multiple times and have several PF accounts, quickly consolidate them on the portal. This will ensure your hard-earned money remains safe and continues to grow. This new feature from EPFO ​​is truly employee-friendly and strengthens your retirement security.

Disclaimer: This content has been sourced and edited from News18 Hindi. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.