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Add or Change Your Bank Account in EPF (UAN KYC)

By Kusum · Reviewed by Harish, Labour Consultant, Delhi on · Updated

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Independent guide by India Customer Care. We are not EPFO. Use only the official EPFO portals and the UMANG app for your account, and never share your password or OTP with anyone.

On this page
  1. Step by step
  2. Working or left the job
  3. If bank verification fails
  4. Frequently asked questions
  5. Related guides on our other websites
  6. Sources

Log in to the member portal, open Manage > KYC, tick Bank, and enter your account number and IFSC. The account is verified with your bank, and that is all: since April 2025 your employer does not need to approve it. Use an active account in your own name; a wrong or closed account is one of the most common reasons claims fail.

Step by step

  1. Log in: Manage, KYC
  2. Tick Bank, enter account number and IFSC
  3. Confirm with Aadhaar OTP if asked
  4. Account checked with your bank
  5. Shown as verified
YouEPFO and bank
  1. Log in to the member portal with your UAN and password.
  2. Go to Manage > KYC and tick Bank.
  3. Enter the account number (twice) and the IFSC. Check the branch name that appears for the IFSC. Not sure of the IFSC? Look it up here.
  4. Save, and confirm with the OTP sent to your Aadhaar-linked mobile if the portal asks.
  5. The status shows as pending only while your bank verifies the account. No employer approval is needed.

You'll know it worked when the new account appears under Digitally approved KYC with "verified".

Working or left the job

The steps are the same either way. Your current or last employer has no role in bank verification, so you can add or change the account even if the employer has closed. If the bank verification keeps failing and the fixes below don't help, raise a grievance on EPFiGMS.

If bank verification fails

CauseFix
Name in bank records differs from EPFOMake them match: correct the name with the bank or in EPFO
Wrong or old IFSC (branch merged or moved)Get the current IFSC from your bank or cheque book and add the account again
Account dormant, frozen or closedReactivate it with the bank, or add a different active account
Account number typed wronglyDelete the pending entry and add it again

Keep the old account open until any claim already in process has been paid into it.

Frequently asked questions

Can I give a joint bank account?

Use an account in your own name. A joint account usually works only if you are the first holder. Do not use a family member's account.

My bank merged and the IFSC changed. Do I need to update EPF?

Yes. Add the account again with the new IFSC, so payments do not fail and come back.

How long does bank KYC approval take?

It depends only on your bank's verification, which is usually quick. Since April 2025 your employer does not need to approve a bank account, including a change to an account already linked.

My employer has closed. Can I still change my bank account?

Yes. Employer approval is no longer needed for bank details, so a closed or unresponsive employer does not block it.

Sources