How to Merge Two PF Account Online?

Learn the simple process of merging 2 PF accounts into one
Merge Two PF Account
4 min

Switching jobs is a common practice among employees looking for better opportunities, higher pay, and growth. When you start a new job at another organisation, a new PF account is created under the same UAN. However, the funds from your previous PF accounts won’t be transferred automatically to the new account. You have to manually initiate the process. Thus, if you have changed jobs recently, you might be wondering how to merge two EPF accounts.

Prerequisites for merging PF accounts

Merging two PF accounts is a complicated process if you have all the prerequisites in place before initiating the request. You simply need to keep the following things in mind when filing a merger request:

  • You must complete the KYC procedures before filing a merger request. This includes verifying your Aadhaar, bank account, PAN, and other details.
  • You should have a UAN that is linked to your present EPF account.
  • You have to wait for at least 3 days post-UAN activation to initiate a merger request

Steps on how to merge two PF account online

1. Via the EPFO portal

Here is a step-by-step guide on how to merge two PF accounts:

Step 1: Visit the EPFO website

Step 2: Sign in with your UAN and password

Step 3: Click on the ‘Online Services’ tab

Step 4: Select the ‘One Member - One EPF Account’ option

Step 5: Fill out the required information like your name, UAN, etc.

Step 6: Click on the ‘Generate OTP’ option

Step 7: Enter the OTP sent to your registered phone number and click ‘Verify OTP’

Step 8: In the pop-up window that follows, fill in details of your earlier PF accounts you wish to merge

Step 9: Click on the declaration box and then the ‘Submit’ button

2. Via email

In case you have two PF account, you can request the EPFO to deactivate your previous UAN through email. Simply email your request to, outlining your current and previous UANs. EPFO will conduct the necessary verification process to deactivate your previous UAN. You will also need to submit a claim request for the transfer of service and funds from the previous UAN to the current UAN.

Also read: PF balance check

Why merge EPFO accounts in India

  • Consolidation of funds: Understanding how to merge your PF accounts can help consolidate your funds in one account, making it easy to track and manage your retirement savings.
  • Reduced complexity: Tracking and managing multiple PF accounts can be a complex process, requiring you to remember login information, passwords, and other related information. Maintaining one account can simplify the management process.
  • Tax benefits: Merging your PF accounts combines your entire employment history to establish a continuous service record. EPF withdrawals are tax-free after 5 years of continuous service. Withdrawing more than Rs. 50,000 from your EPF account before 5 years of continuous service attracts a 10% TDS.

Things to do after merging your PF accounts

  • Update your KYC: Review and update your KYC information if required to ensure your Aadhaar, PAN, bank account, and contact details are accurate and current.
  • Monitor your PF balance: Regularly check and monitor your PF balance via the EPFO portal to keep track of your retirement savings.


The EPFO's online portal lets you easily merge multiple PF accounts. This consolidates your benefits for streamlined retirement planning. If job changes have left you with multiple UANs, learn how to combine your EPF accounts under a single UAN.

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Frequently asked questions

What happens if I have two PF accounts?

If you have two PF accounts, you need to transfer the balance from the old account to the new one.

Should I merge my PF accounts?

Yes, you need to merge your PF accounts. As an employee, you should not have more than one UAN.

How long will it take to merge two PF accounts?

You can initiate the account merger process 3 days after activating the new UAN. Fund transfers can take up to 20-30 days.


As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.