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PF Transfer Process

Last Update Date : May 28, 2019
Estimated Read Time: 5 min

Steps to Transfer PF online through EPFO portal.

Once you move to a different company, PF Transfer is one of your most important responsibilities. If you are wondering whether you should withdraw your PF or transfer it, and how to go about the whole process, you are at the right place!

Read this guide by H&R Block to ensure that you receive maximum benefits after retirement from your EPF (Employee Provident Fund).

Online PF Transfer

The online method has been introduced by the EPFO (Employee Provident Fund Organisation) to simplify and digitise the process of EPF Transfer, through the UAN (Universal Account Number). It is a unique identification number for a single individual, who may have multiple EPF accounts/ member IDs.

You must ensure that you fulfil the following pre-requisites before you initiate the online PF transfer process:

  • You must activate your UAN on the ‘EPFO Unified Portal’
  • The mobile number you registered during the UAN activation must be active
  • Your employee bank account and IFSC code of bank must be linked with your UAN
  • Your Aadhaar must be linked with your UAN
  • The employer must approve your e-KYC details on the unified portal
  • Your previous/current employer should have registered the Digital Signature Certificate on EPFO
  • Your Date of Joining (DoJ) and Date of Exit (DoE) must be recorded on the Unified Portal
  • Your personal information on both EPF accounts must be accurate and matching

How to Transfer PF Online?

  • Step 1: Visit the official EPFO website (1).
  • Step 2: Click on “Online Claims Member Account Transfer”.
    You will be redirected to EPFO’s “Unified Portal”.
    View:
  • Step 3: Under “MEMBER e-SEWA”, enter your UAN number, password and captcha code to sign in.
    View:
  • Step 4: Under “View” click on “SERVICE HISTORY”. You will be able to see your previous and current EPF account details like account number/member ID, company name, date of joining, date of exit, etc.
    View: |
  • Step 5: Under “Online Services” click on “ONE MEMBER-ONE EPF ACCOUNT (TRANSFER REQUEST)”.
    You will be able to see your basic information, followed by your current PF account details.
    View: |
  • Step 6: In the section of previous accounts, select either “previous employer” or “present employer” for attestation of claim form.
    View:
  • Step 7: Click on “Get Details”.
    You will see the details of all your previous PF accounts.
    View:
  • Step 8: Select the account(s) from which you wish to make the transfer.
    SIDE NOTE: You can select single or multiple accounts from which you want to make the transfer.
    View:
  • Step 9: Under “Authenticate OTP and Submit”, click on “Get OTP”.
    Your UAN registered mobile number will receive an OTP.
    View:
  • Step 10: Enter the OTP and click on “Submit”.
    A message will appear saying, “Your claim has been successfully submitted”.
    View: |
  • Step 11: Under “Online Services” click on “Track Claim Status”.
    You will see a table with an option to download Form 13 (PF transfer claim form) in the last column.
    View: |
  • Step 12: Download and print Form 13 and self-attest it.
    View:
  • Step 13: Submit the self-attested Form 13 to the employer you selected in Step 5.
    Your transfer process is now complete. Your employer will digitally approve your transfer request, after ensuring the information on the form is accurate.
    View:

SIDE NOTE: The offline method is the traditional way to transfer your EPF, which is now terminated.

PF Auto-transfer Method using Form 11

In 2017, the EPFO introduced the ‘Composite Declaration Form 11’, which will replace Form 13 in the case of auto transfer. You must ensure that you fulfil the following pre-requisites before you initiate the auto-transfer process:

  • You can initiate this process only after the first EPF contribution by your new employer is deposited and reconciled.
  • Your Aadhaar must be linked with your UAN and verified by your old employer.

How PF Auto-transfer Process Works?

  • Step 1: Fill Form 11 when you join a new company. It has your personal information like UAN and previous PF account details.
  • Step 2: Your employer enters the information provided by you in the EPFO employer’s portal.
  • Step 3: Your completed Form 11 is verified with the information against your UAN.
  • Step 4: In case verification is successful; an auto transfer process is triggered.
  • Step 5: A confirmation SMS and email is sent on your mobile number and email ID linked to your UAN.

SIDE NOTE: You can stop the auto-transfer process online, through your employer or by visiting the nearest EPFO office, within ten days of receiving the confirmation SMS/email.

People also ask

Q. How long does it take for PF transfer?

A.  The EPFO aims to fulfil transfer claims in three days. However, the time taken for PF transfer varies  for every regional EPFO office and individual employer.

Q. How to transfer PF online without UAN?

A.   You cannot transfer PF online without UAN.

Q. PF transfer or withdrawal, which is better?

A.   It is always advisable to transfer your PF instead of withdrawing it. This is because it is taxable if you withdraw it before five years of continuous service; you will also lose the benefit of compounding interest each month on your EPF, if you withdraw it.

Q. How do I transfer my EPF to my bank account?

A.  You cannot transfer your EPF to your bank account if you are currently employed. However, if you are unemployed for more than sixty days, you can submit a withdrawal claim, in which case your EPF will be transferred to your bank account.

Q. How to check PF claim status?

A.   Visit the EPFO’s “Know Your Claim Status” page to check your PF claim status.

Q. How to cancel PF transfer request?

A.   You can cancel your PF transfer claim by contacting your nearest EPFO office, within ten days of submitting the transfer request. There is no online method to cancel PF transfer request.

Q. What is “Member ID” and how to get it?

A.  “Member ID” is your EPF account number. You can get in touch with your employer to know get your Member ID.

Q. What happens to EPS when you transfer EPF?

A.   When you transfer your EPF, your EPS will not be transferred. Instead, only details of service history are transferred, as EPS benefits are dependent on duration of service only.

Your contribution towards EPF not exceeding Rs. 1,50,000 will provide you with a benefit in the form of tax deductions u/s 80C. Conversely, if you withdraw your EPF, it may be taxable. Therefore, it is wise to transfer your EPF instead of withdrawing it.

How H&R Block can help you?

When it comes to EPF withdrawal, it is taxable under most circumstances, but can be exempt from tax under some! It is easy to take advantage of such provisions when you have professional help. We have a team of in-house tax experts who can file your income tax returns accurately while giving you maximum tax benefits.

    • HIRE AN EXPERT TO E-FILE YOUR TAX RETURN

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Niteesh Singh
Niteesh is a Tax Researcher and Content Lead at H&R Block (India). He holds an MBA with a specialisation in BFSI domain. In his career spanning over six years, he has helped thousands of people understand taxes in a simple and effective manner. Outside work, Niteesh is an astronomy geek who is also involved in wildlife conservation activities.

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