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EPFO KYC: Link Aadhaar, PAN and Bank Account to Your UAN

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. What each KYC detail is for
  2. Check your KYC status
  3. Add or update a KYC detail
  4. Common KYC problems
  5. Frequently asked questions
  6. Related guides on our other websites
  7. Sources

EPFO needs three things linked to your UAN before it can pay you online: Aadhaar (your identity), a bank account in your own name (where money is paid) and PAN (for tax). Add them on the member portal under Manage > KYC. Each one is verified electronically. Bank details need no employer approval since April 2025; PAN still needs your employer to approve it.

What each KYC detail is for

DetailNeeded forIf it is missing
AadhaarUAN activation, online claims, transfers, e-nominationYou can't use most online services
Bank account + IFSCEvery withdrawal and settlementClaims are rejected or payments come back
PANTax on withdrawalsMore TDS if service is under 5 years and the amount is ₹50,000 or more

Check your KYC status

  1. Log in to the member portal.
  2. Go to Manage > KYC. Scroll down to see two lists: Digitally approved KYC and KYC pending for approval.
  3. Each of Aadhaar, bank and PAN should appear under approved, with "verified" against it.

Add or update a KYC detail

  1. Manage, KYC: tick the document and enter details
  2. Checked with the bank, UIDAI or the tax department
  3. For PAN only: employer approves on the employer portal
  4. Shows under digitally approved KYC
YouEPFO and verifiersEmployer

Bank account

  1. In Manage > KYC, tick Bank, enter your account number twice and the IFSC of your branch, then save.
  2. The account is checked with your bank. It must be in your own name, active and not a joint account where you are the second holder.
  3. No employer approval is needed: once your bank verifies it, it is done.

Full guide: add or change your bank account.

PAN

  1. Tick PAN, enter the PAN and your name exactly as in the PAN record, then save.
  2. It is verified with the Income Tax Department, then approved by your employer.
  3. Your PAN must be linked with Aadhaar; an inoperative PAN is treated as no PAN for TDS.

Aadhaar

If you generated or activated your UAN on UMANG with face authentication, Aadhaar is already linked. Older UANs without Aadhaar need it seeded through your employer, and your name, date of birth and gender must match Aadhaar exactly. If they don't, correct your EPFO details first.

You'll know it worked when the detail moves from "pending for approval" to "digitally approved" in Manage > KYC.

Common KYC problems

ProblemWho actsWhat to do
PAN pending with employer for weeksEmployerAsk HR to approve it on the employer portal (it needs their digital signature or e-sign). Bank details don't need employer approval
Bank verification failedYouCheck the account number, IFSC and that the name matches. A closed or merged branch may have a new IFSC
Name mismatch with Aadhaar or PANYou and employerCorrect the name in EPFO, Aadhaar or PAN so all match
Employer closed, PAN or a correction has nobody to approve itEPFO officeRaise a grievance on EPFiGMS asking the regional office to approve

Frequently asked questions

Why is my KYC pending for approval?

A bank account is pending only while your bank verifies it; since April 2025 no employer approval is needed for bank details. PAN is verified with the Income Tax Department and then approved by your employer, so if PAN stays pending, remind your HR team to approve it on the employer portal.

Can I withdraw PF without PAN?

Yes, but if your service is under 5 years and the amount is ₹50,000 or more, a higher rate of TDS is deducted without a valid PAN.

My employer has closed. Who approves my KYC?

Bank details no longer need employer approval, so that is not affected. For PAN or other details still waiting for an employer that has closed, raise a grievance on EPFiGMS asking the regional office to approve them.

Sources