PF Claim Alert: Update Bank KYC on EPFO Portal to Avoid Rejection

Kokila Chokkanathan
If you’re planning to withdraw your Provident Fund (PF), there’s an important update you shouldn’t ignore. The Employees' Provident Fund Organisation (EPFO) has made it mandatory for members to ensure that their bank KYC details are correctly updated and verified on the EPFO portal. Failure to do so can lead to claim rejection or delays.

Here’s everything you need to know to avoid unnecessary hassles.

Why bank KYC Is Crucial for PF Claims

When you submit a PF withdrawal claim through the EPFO member portal, the amount is directly credited to your registered bank account.

If:

  • Your bank account number is incorrect
  • IFSC code is outdated or wrong
  • Your name doesn’t match EPFO records
  • KYC is not approved by your employer
Your claim may be rejected automatically by the system.

What Is bank KYC in EPFO?

KYC (Know Your Customer) is the verification process where you link and authenticate your:

  • Bank account number
  • IFSC code
  • PAN
  • Aadhaar
These details must match your Universal Account Number (UAN) records. The bank account added under KYC must be:

  • In your name
  • Active
  • Linked with Aadhaar (preferably)
Common Reasons for PF Claim Rejection

Here are some frequent issues that lead to rejection:

1. Name Mismatch

The name in your bank account differs from your EPFO/UAN records.

2. Incorrect bank Details

Wrong account number or outdated IFSC code.

3. Unapproved KYC

Employer has not digitally approved your bank KYC.

4. Multiple bank Accounts Added

Confusion caused by inactive or duplicate accounts.

5. Aadhaar Not Linked

Aadhaar not seeded or verified with UAN.

How to Update bank KYC on EPFO Portal

Follow these steps carefully:

Step 1: Log in to UAN Member Portal

Visit the official Employees' Provident Fund Organisation website and log in using your UAN and password.

Step 2: Go to ‘Manage’ → ‘KYC’

Click on the KYC option under the “Manage” tab.

Step 3: Add bank Details

Enter:

  • Bank account number
  • IFSC code
  • Name as per bank records
Step 4: Save and Submit

After submission, the request goes to your employer for approval.

Step 5: Employer Approval

Ensure your employer digitally approves the KYC. Without approval, claims cannot be processed.

How to Check If Your KYC Is Approved

  • Log in to the UAN portal
  • Go to ‘Manage’ → ‘KYC’
  • Check status under “Approved KYC”
If it shows Approved by Employer, your details are verified.

Important Tips to Avoid Claim Delays

  • Ensure your Aadhaar is verified and linked with UAN
  • Use only your personal savings bank account
  • Avoid using joint accounts
  • Double-check spelling of your name
  • Remove inactive bank accounts
What Happens If Your Claim Is Rejected?

If rejected:

  • Check the rejection reason under “Track Claim Status”
  • Correct the issue immediately
  • Reapply online after updating KYC
There is no limit on reapplying, but repeated errors may delay settlement.

Final Takeaway

Before submitting your PF withdrawal claim, take a few minutes to verify your bank KYC details on the EPFO portal. A small mistake can lead to rejection and unnecessary waiting.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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