How to update KYC for EPF UAN?

How to update KYC in EPFO is a common question among employees managing their Employee Provident Fund (EPF) accounts. Keeping your KYC (know your customer) details updated in the EPFO portal is essential for seamless financial transactions, including fund withdrawals and transfers. This guide outlines the steps to update your KYC details online, the benefits of doing so, and other helpful information.

How to update KYC details in EPF UAN?

1. Log in to the portal

Visit EPFO Member Portal.
Use your UAN (universal account number) and password to log in.

2. Access the KYC section

Navigate to the ‘Manage’ tab.
Click on ‘KYC’ from the drop-down menu.

3. Upload your documents

Select the document type (e.g., Aadhaar, PAN, bank details).
Enter the document details and save the information.

4. Approval and verification

The employer will digitally verify your submitted details.
Upon verification, the status will change to ‘Digitally Approved KYC’. An SMS notification will confirm the approval.

Benefits of updating KYC details

Quick online withdrawals: Streamlined fund withdrawal process through the EPFO portal.
Lower tax deductions: If your PAN is linked, TDS is reduced to 10% instead of 34.608%.
Improved compliance: Ensures adherence to EPFO regulations and avoids non-compliance penalties.
Account security: Protects your EPF account from unauthorised access.
Convenient notifications: Receive SMS updates about contributions and account activity.

How to track EPF KYC status?

1.UAN card on the Member Portal

Log in to the Member e-Sewa portal.
Go to ‘View’ > ‘UAN Card’. If KYC is complete, it will display a ‘Yes’ status.

2. Documents approved under the KYC tab

Access the ‘Manage’ > ‘KYC’ section.
Verified documents will appear under the ‘Digitally Approved KYC’ column.

3. EPFO KYC Track Website

Visit EPFO KYC Tracker.
Enter your UAN and captcha to check your account status.

EPFO UAN helpline to register KYC-related issues

Toll-free number: 1800-118-005
E-mail support: uanepf@epfindia.gov.in
UMANG app: Resolve queries through the EPFO services section

Documents required to update KYC for EPF UAN

Aadhaar Card
PAN Card
Passport (if applicable)
Bank account details (with IFSC)
Driving License or Voter ID (optional)

Conclusion

Updating your KYC details in the EPFO portal is a straightforward process that ensures smooth management of your provident fund account. By completing this update, you can enjoy hassle-free fund withdrawals, enhanced account security, and timely updates about your account activity. Staying compliant with EPFO requirements simplifies financial transactions and safeguards your account against potential issues. Make it a priority to keep your details accurate and up to date for seamless access to all the benefits your EPF account offers.

Also Read: 6 common EPF claim rejection reasons to know

FAQs

Who approves bank KYC in EPFO?

The employer is responsible for approving KYC details submitted by the employee. Once approved, the EPFO verifies the documents.

How to approve KYC in EPF online without an employer?

In cases where employer approval is not possible, EPFO's helpdesk or the UMANG app can assist in direct document verification.

What happens if KYC is not updated in EPF?

Without updated KYC details, you may experience withdrawal delays, higher TDS deductions, and limited account functionality.

How many days will it take to update bank KYC in EPFO?

The KYC update typically takes 3-5 working days, depending on the employer's and EPFO's verification process.

Disclaimer: This article is for information purpose only. The views expressed in this article are personal and do not necessarily constitute the views of Axis Bank Ltd. and its employees. Axis Bank Ltd. and/or the author shall not be responsible for any direct / indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information. Please consult your financial advisor before making any financial decision.