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EPFO Reforms- Now Transfer your PF Digitally Without Hassle

Nitesh

Let’s say you’re working in a company, and you decide to switch to a better job with a higher salary. You submit your resignation, finish the notice period, and join the new company. Great! But what about your Provident Fund (PF)?

If you're like many young professionals, you might think:
“Why worry? My old PF will stay safe.”
Or, “I’ll open a new PF account with the new company.”

But here’s the truth: You should always transfer your old PF to your new account. Why? Because it keeps your retirement savings growing smoothly, avoids tax issues, and maintains your service history.

Now, the good news: the Employees’ Provident Fund Organisation (EPFO) has made it much easier to transfer your PF when you change jobs. No more long forms or standing in queues. You can do it online, from home, using the EPFO Member Portal.

In this article, we’ll explain everything in simple steps — what’s new, how to transfer your PF online, and what mistakes to avoid. If you’ve recently changed jobs (or are planning to), this guide is just for you.

What is PF and Why Should You Transfer It?

PF in Simple Words

Provident Fund is like a savings piggy bank for your future. Every month:

·         You contribute 12% of your basic salary.

·         Your employer also contributes around 12%.

This money goes into your PF account, grows over time, and earns interest (around 8% yearly). You can withdraw it at retirement or during emergencies (under rules).

What Happens When You Change Jobs?

When you join a new company, a new PF account is opened by your new employer. But your old PF amount stays with your previous account unless you transfer it.

If you don’t transfer:

·         Your old PF stops earning interest after 3 years of inactivity.

·         You lose track of your savings.

·         You may have problems during future withdrawals or pension claims.

That’s why it’s important to link your old PF with your new one.

What’s New in EPFO’s PF Transfer Process?

Earlier, transferring PF was a headache:

·         You had to fill Form 13.

·         Submit it to the HR department.

·         Wait weeks or months for it to process.

Now in 2025, EPFO has reformed the system:

·         The entire process is online.

·         You can check eligibility online.

·         You can fill and submit the transfer claim on the Member Sewa Portal.

·         No physical forms required (except a printed copy signed later).

·         You can choose which employer (old or new) should approve your request.

This is a big relief for job switchers, especially in IT, banking, or startups where job changes are common.

Step-by-Step: How to Transfer Your PF Online in 2025

Step 1: Check Eligibility Online

1.     Go to: www.epfindia.gov.in

2.     Click on "For Employees" → "Online Services" → "Member Passbook / UAN Services".

3.     Choose Online Transfer Claim Portal (OTCP).

4.     Select Check Eligibility for Filing Transfer Claim.

5.     Enter your old and new PF account numbers.

If eligible, proceed. If not, check if:

·         Your old and new employers have registered their Digital Signatures with EPFO.

·         Your UAN is active and linked with Aadhaar and mobile number.

Step 2: Log in to Member Portal

1.     Visit: https://unifiedportal-mem.epfindia.gov.in

2.     Log in using your UAN, password, and OTP sent to your mobile.

💡 Tip: If you haven’t registered on the portal, do it first. Use your UAN, Aadhaar, PAN, mobile number, and create a password.

Step 3: Submit the Online Transfer Claim

1.     After login, go to the "CLAIM" menu.

2.     Select "Request for Transfer of Account".

3.     A form will appear:

Fill Part A – Personal Details

·         Name, DOB, father’s/spouse’s name, phone number, email, etc.

Fill Part B – Previous Employer Details

·         Old PF account number

·         Name and address of the old company (auto-fetched if available)

Fill Part C – Current Employer Details

·         New PF account number

·         New company details (auto-fetched)

4.     Choose whether your previous or present employer should verify your claim.

✍️ Example: Ravi worked at Company A and joined Company B. He selects Company B to verify his PF transfer.

5.     Click "Preview" to check all details.

6.     Agree to the declaration → Click "Get PIN" → Enter OTP → Submit claim.

Step 4: Print and Submit Form-13

·         After submission, download the PDF of Form-13.

·         Print it and sign it.

·         Send it to the selected employer (old or new) to complete verification.

That’s it! Now your transfer is in process. You can track the status under the "View Transfer Claim Status" section.

How PF Transfer Works

Let’s meet Anjali, a 27-year-old software engineer in Bangalore.

·         Her UAN is active and Aadhaar is linked.

·         She worked at TechSoft Ltd (Old Company) from 2020 to 2024.

·         She joins InnoApps Pvt Ltd (New Company) in April 2024.

·         Her old PF balance: ₹2,00,000.

Anjali logs into the EPFO Member Portal:

·         Checks eligibility using old and new PF numbers.

·         Submits the online transfer claim.

·         Chooses new employer for approval.

·         Signs and submits Form-13 to HR at InnoApps.

Within a few weeks, her entire PF balance from TechSoft moves to her new PF account at InnoApps — all done online.

Benefits of Online PF Transfer

✅ No paperwork
✅ Faster processing
✅ Track status anytime
✅ No need to visit EPFO office
✅ Safe and transparent process
✅ Keeps your PF earning interest
✅ Maintains pension history

Tips for Smooth PF Transfer

1.     ✅ Keep your UAN active.

2.     ✅ Ensure Aadhaar, PAN, and mobile number are updated in EPFO records.

3.     ✅ Check if both employers have Digital Signature Certificates (DSC) registered.

4.     ✅ Update KYC details and bank account in EPFO portal.

5.     ✅ Choose employer (old/new) who responds faster.

6.     ✅ Submit signed Form-13 to selected employer without delay.

Common Problems (And How to Fix Them)

Problem Reason Solution
Ineligible for online transfer Employer DSC not registered Ask HR to update it on EPFO
Mismatch in personal details Name/DOB mismatch in records Correct KYC in portal
Transfer stuck Employer hasn’t approved Remind HR team to verify it
Wrong PF numbers entered Manual error Reapply after correction


💬 If stuck, raise a grievance at: https://epfigms.gov.in

FAQs: PF Transfer for Beginners

Q1. Can I withdraw old PF instead of transferring?
Yes, but only after 2 months of unemployment. It’s better to transfer and keep growing your savings.

Q2. What if I worked in 3 companies – can I transfer all PF accounts to my latest one?
Yes. Transfer one by one (Company A → B → C). All balances will reach your latest account.

Q3. Is transfer automatic?
No. You must submit the claim online. But EPFO has proposed auto-transfer in future.

Q4. How long does PF transfer take?
Usually 15–30 days after employer approval.

Q5. Can I do it from mobile?
Yes. You can use your mobile browser to access the portal. App-based service is coming soon.

Final Checklist Before You Switch Jobs

Before leaving your current company:

✅ Note down your old PF account number
✅ Confirm your UAN is active and updated
✅ Download passbook and salary slips for records
✅ Inform your new employer to use the same UAN

Take Your PF With You

Changing jobs is exciting — new growth, new responsibilities, and better pay. But don’t forget to take your retirement money (PF) with you. With EPFO’s online PF transfer system, you no longer need to run around with forms.

Just a few clicks, and your savings stay safe and growing.

So, whether you’re moving from Infosys to TCS, or from a startup to a government job — make sure your PF comes along too. It’s your right, and your future depends on it.

Disclaimer:

This article is for general awareness. Rules and portal features may change. Please visit the official EPFO website or consult a financial advisor for updated and personal guidance.You said:

Official and News Sources on PF Transfer Reforms (2025)

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