EPF Account- Salary Account Changed? Here’s How to Update It in Your EPF Account

EPF Account: Sometimes, an employee’s salary account changes for various reasons. When switching jobs, the employer might request them to set up a new savings account. Some employees, unhappy with their previous bank, choose to open an account with a different bank. However, they often forget to update their bank account information with the EPFO. The EPFO transfers EPF deposits to the bank account it has on file. If that account is inactive or closed, the funds won’t reach the employee’s bank account.

Check bank details on EPFO member e-Sewa portal

It’s crucial for employees to verify the bank accounts linked to their EPF. To do this, log into the EPFO Member e-Seva portal. You can check which bank accounts are associated with your UAN. Many employees mistakenly believe that changing their bank accounts will automatically update this information in their EPF account. Unfortunately, that’s not how it works.

Additionally, employees should ensure their Aadhaar is verified. If the Aadhaar, PAN, and bank details are mismatched, it could lead to issues when processing claims. Even minor spelling mistakes can create problems. So, it’s essential to double-check all this information.

How to update your bank account online?

Updating your bank account is pretty straightforward. After logging into the EPFO Member e-Seva portal, navigate to the “Manage” section. Then, click on KYC. Your bank details will appear there. You’ll need to enter your new bank account number and IFSC code.

EPFO updates the details after HR approval

Once you’ve updated your bank details, your request doesn’t go straight to the EPFO. It first goes to your employer for approval. After HR gives the green light, it gets sent to the EPFO. Your bank details will then be updated. Experts warn that if an employee submits a withdrawal claim, the EPFO won’t process the payment if the bank details are incorrect. In fact, the claim could even be denied.

Update your bank account before submitting a withdrawal request

Many employees file withdrawal requests to change jobs or to receive an advance from their PF. If you plan to do so, update your EPF account first. The EPFO ​​allows employees to register only one bank account. That bank account remains registered with the EPFO ​​until your retirement.

Meanwhile EPFO members will soon be able to withdraw their provident fund (PF) directly from their bank accounts using UPI. This new feature will be available from April 2026. The move aims to simplify the withdrawal process for approximately 80 million members. Recent changes also simplify partial withdrawal rules and increase the auto-settlement limit.