KYC (Know Your Customer) update is one of the most overlooked but essential steps to ensure seamless Provident Fund (PF) withdrawals, transfers, and claim settlements. An outdated or incorrect KYC can lead to claim rejections, delays, or even complete inaccessibility of your PF account.
In this guide, we explain why KYC is important, how to update it through the UAN portal, and what to do if your employer is unresponsive.
🔍 Why KYC Update is Important for EPF
✅ Ensures smooth PF withdrawal and transfer
✅ Reduces chances of claim rejection
✅ Prevents mismatch issues between Aadhaar, PAN, and bank records
✅ Mandatory for online claim submission
📑 Documents Required for EPF KYC Update
Here are the key documents you’ll need:
| Document | Purpose |
| Aadhaar | Identity + address proof (mandatory) |
| PAN | Required for tax verification (especially for claims over ₹50,000) |
| Bank account details | IFSC, account number (mandatory) |
| Cancelled cheque/passbook | (❌ Not required as of 2025 reforms) |
| Passport / DL / Voter ID | (Optional, for additional verification) |
Step-by-Step: How to Update KYC on the EPFO Member Portal
Step 1: Login to the UAN Portal
Go to https://unifiedportal-mem.epfindia.gov.in/
Login using your UAN and password.
Step 2: Navigate to ‘Manage’ > ‘KYC’
Click on the ‘KYC’ option under the ‘Manage’ tab.
Step 3: Enter Your Details
Fill in the details like Aadhaar number, PAN, bank account details, etc. Upload the scanned copies.
Step 4: Save and Submit
Click on “Save.” The status will show as “Pending for employer approval.”
Step 5: Wait for Employer Approval
Your employer needs to digitally approve the KYC update. Only then it reflects as “Approved by Employer and Verified by UIDAI.”
Employer/Bank Approval (Simplified in 2025)
Here’s what changed this year:
| Field | Approval Required? |
| Aadhaar | Auto-verified via UIDAI |
| PAN | Auto-verified via Income Tax |
| Bank | Verified via NPCI — No employer approval needed |
❗ If the details match your Aadhaar name and DOB, verification is instant.
How to Check KYC Status
- Go to UAN portal > ‘Manage’ > ‘KYC’
- Approved KYC will be shown under “Digitally Approved KYC”
- You can also check KYC status in UMANG App > EPFO > View Profile
Final Words
In 2025, EPFO has taken major steps to simplify KYC updates and reduce employer dependence. If your KYC is still pending, now is the time to fix it — so your PF money doesn’t get stuck when you need it most.
💡 Pro Tip: Once your KYC is verified, you can also auto-transfer PF when you change jobs.
Need Help?
If you’re facing delays in KYC approval, withdrawal issues, or PF transfer complications — our team at FinRight can help. We’ve resolved thousands of complex PF cases. Reach out to us for personalised assistance.
Frequently Asked Questions (FAQs) on EPF KYC Update
1. Is KYC mandatory for PF withdrawal or transfer?
Yes. Without completing KYC (especially Aadhaar, PAN, and bank details), you cannot file online claims for PF withdrawal or transfer.
2. What is the minimum KYC required for EPFO?
The three essential documents are:
- Aadhaar (linked with UAN).
- PAN (mandatory for tax compliance).
- Bank account details (must be verified via NPCI)
3. How long does it take for KYC to get approved?
If all details match:
- Aadhaar and PAN are auto-verified instantly.
- Bank verification can take 1–3 working days via NPCI.
Employer approval is no longer required for most fields (as of 2025).
4. Do I still need to upload a cancelled cheque or passbook?
No. As per EPFO’s 2025 update, this requirement has been removed. Bank verification now happens through direct validation via the National Payments Corporation of India (NPCI).
5. Can I correct my name or gender on the UAN portal?
Yes. From 2025, EPFO allows self-edit of personal details like name, gender, and marital status — if your Aadhaar is already verified.
6. I have two UANs with different KYC details. What should I do?
You should request UAN consolidation via EPFO. Use the grievance portal and provide Aadhaar and PAN for identity match.
7. Can I do KYC update through UMANG app?
You can view your KYC status on UMANG but cannot update KYC through it. Updates can only be done via the UAN portal.
8. What happens if there’s a mismatch in my PAN and UAN name?
The system will reject your KYC. You must first correct your name in PAN records to match Aadhaar/UAN and then reattempt KYC linking.
9. Do I need to do KYC again when I change jobs?
No. Once KYC is approved and UAN is active, it remains valid even if you switch employers. Just share your UAN with the new employer.
