How to Add/Change Your EPFO Bank Account in Simple Steps

EPF bank account details can be updated in the EPFO portal, or UMANG app. With effect from April 2025, there is no need of employer approval for bank account seeding. If the IFSC code does not match with the bank account number, KYC gets rejected.

Details required for KYC Update

• Universal Account Number (UAN) - active and linked to your mobile number
• Bank account number
• IFSC code

How to Add Bank Account Details in EPFO?

EPF accounts consist of all relevant information relating to an employee’s provident fund. Here is the step-by-step guide on how to add a bank account in EPFO. Following this will enable you to withdraw money from your EPF account hassle-free.

1. Visit EPFO’s member portal. Enter valid credentials such as UAN number and password to sign in. You will also need to authenticate through an OTP.
2. Once logged in, go to the ‘Manage’ option located in the top menu and select the ‘KYC’ option.
3. Next, select the bank in the KYC menu and add all necessary bank details. The details include your name, account number, IFSC code, and others.
4. Confirm the details once after adding it and then to proceed, to click on ‘Verify IFSC’. IFSC entered will be automatically verified and the name of bank along with the branch name will be displayed on the screen.
5. Then Click on ‘Save’, you will be directed to verify the change made through Aadhar authentication OTP, enter the OTP and press ‘Submit’.
6. Once all your bank details are saved, you can view them under the ‘Pending KYC’ section. First the application will be approved by the concerned bank department.

How to add another Bank Account in EPFO Unified Portal?

To add another bank account in EPFO Unified Portal, you need to follow the below steps:

1. Visit the EPFO unified portal and click on the 'Manage' option in the top menu. 
2. From the drop-down menu, select the 'KYC' option.
3. Select another bank you wish to add as the document type.
4. Update with the required bank account number and IFSC code. Once done, click on ‘Save’ to proceed.

How to add a Bank Account in EPFO through the Umang App?

Umang App is an ideal option for EPFO members to access services hassle-free. However, there are certain eligibility criteria for making withdrawals through the Umang app. Also, it is possible to track PF accounts using the Umang app on your mobile phone.

Following are the details explaining how to access various services related to EPFO through Umang:

1. Download the Umang app from the Apple App Store or Google Play Store.
2. Log in to the app and then sign in entering your Aadhaar number and password.
3. Select the “EPFO” service type from the list of services.
4. You can get benefit from the various available services.

How to update Bank Details in EPFO?

Updating your bank details in EPF is hassle-free and you can do it from anywhere without having to visit the local EPFO branch. Here is the step-by-step guide to updating the bank details of an EPFO account:

1. Visit the UAN Member portal.
2. Log in to the account entering your UAN, password, and security code.
3. Go to the 'Manage' tab located on the given menu and select the 'KYC' option from the drop-down menu.
4. This will redirect you to a new page. Make changes in the details you want to get updated.
5. Select your bank of preference and update with necessary bank details including 'name', 'IFSC code', 'bank account number', etc.
6. Once you select all the details, click on ‘Verify IFSC’.  You will see a message stating ‘IFSC Verified’. Click on the ‘OK’ button. 
7. Confirm if the information you entered previously is accurate. If that happens, tick on the check box below and save the details. 
8. You will receive an OTP on your registered phone number. Enter the OTP and click on 'Submit'.

Your application will be approved by the bank. Upon approval of submitted documents by the employer, you will receive a notification through an SMS.

How to change Bank Account Details in EPFO?

Here is the step-by-step guide on how to change bank accounts in EPFO. This will also allow you to withdraw the desired PF amount hassle-free.

1. Login into the EPFO member portal entering the login ID and password on the home page.
2. Click on 'Manage' located at the menu bar and select 'KYC' from the drop-down menu list.
3. Select ‘Bank’ in the options available. 
4. Enter all details of the bank including the account number and its IFSC code. 
5. Confirm the details once after adding it and then to proceed, to click on ‘Verify IFSC’. IFSC entered will be automatically verified and the name of bank along with the branch name will be displayed on the screen.
6. Then Click on ‘Save’, you will be directed to verify the change made through Aadhar authentication OTP, enter the OTP and press ‘Submit’.
7. Once all your bank details are saved, you can view them under the ‘Pending KYC’ section. The application will be approved by the concerned bank department.

Update Status

The following table shows the different update status and action to be taken for each remark.

Final Word

Employee Provident Fund is a trusted financial service for working professionals in India. Under this scheme, individuals continue receiving retirement coverage even after they leave their previous organisation. Thus, individuals should remain well aware of transferring their PF amount from their previous organisation to the present. Following the above-mentioned steps and providing all necessary documents, individuals can experience a smooth PF transfer process.