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How to Merge Two or More EPFO Accounts?


Are you familiar with the legislation governing the merger of Provident Fund accounts in India? To consolidate several EPFO accounts, and meet specific guidelines. This article will detail the 4 steps used for a seamless merger of two or more EPFO accounts in India.

Understanding EPFO and Merging PF Accounts

Building a Secure Tomorrow in India’s Workforce: Have you ever wondered how India maintains the safety of its employees? Join the Employee Provident Fund Organisation (EPFO)! Consider EPFO the backbone of India’s social security system. This includes your EPFO account, which can be a strong pillar for your future retirement savings, provident fund payments, and other employee benefits. With this sturdy pillar, you may be assured that your financial future is safe, paving the way for a comfortable retirement and ensuring access to indispensable financial aid when in need.

Key Considerations for Merging Accounts

Consider the following when planning to merge your Accounts:

  • Completing the Know Your Customer (KYC) process: Verifying your PAN, bank account, and other pertinent information is critical.
  • Possession of UAN: Ensure that your present EPF account is linked to a UAN.
  • Activation of UAN: Upon receiving your UAN, allow a 3-day period for its activation before progressing with the merge.
  • Flexibility in Consolidation: Consolidation does not demand swift action unless necessary. You have the option to delay the process if desired.

Merge PF Accounts in India: Requirements for Simplified Online Process

Merging accounts in India is a simple process that can be accomplished online. Here’s a step-by-step instructions:

  1. Gather Required Information: To start the merging process, one should need the banking details, employer name, employee name, and net income earned.
  2. Provide Account Details: Additionally, you will need to submit the particulars of the accounts you wish to merge into your existing EPFO account.
  3. Complete the Merge Form: After inputting the necessary information, you’ll be presented with a merge form to consolidate the account. Carefully fill out this form with accurate details.
  4. Submit to EPFO: Once you’ve completed the merge form, submit it to the EPFO. This can usually be done electronically through the EPFO portal or a suitable platform.
  5. Confirmation of combined Account: The accounts will be combined after successful processing. Verify and update any contact information linked with the newly merged account.

By following these steps, you can seamlessly merge your PF accounts in India and consolidate your banking data with ease.

How do you merge two or more EPFO accounts in India?

Merging numerous EPFO accounts into one account is necessary to enjoy EPFO member benefits and subsidies. The process to merge your EPFO accounts is given below:

  • Go to the official EPFO website ( and log in to your account.
  • After logging in, search for a section called “My Account” and click on it.
  • Merge Your Accounts: In the “My Account,” tab you should see something like “Account Details.” Find the option to “Merge Accounts” and click it.
  • Enter Old Account Info: On the “Merge Accounts” page, you’ll need to provide details about the old EPFO accounts you want to combine with your main one.
  • Choose Your Bank Account: If you have multiple bank accounts linked with your EPFO accounts, the one you want to use as your new active account.
  • Save, and you’re done: After you’ve input all of your requirements, click “Save and Close” to finish the process.
  • Merged and ready! Your consolidated EPF account will be created immediately with all of the information from the accounts you joined.

Why Merge Two or More EPFO Accounts in India?

Consolidating multiple EPFO accounts offers several benefits, enhancing financial organization and efficiency:

  • Financial Consolidation: By merging EPF accounts, you streamline your finances, combining pension and salary payments into a single account. This consolidation can result in long-term cost reductions.
  • Merging accounts makes tracking your money a breeze. You’ll see everything in one place, making it easier to manage expenses and file taxes.
  • Combining financial data gives your organization a clear view of everything. This transparency helps with making good choices and creating accurate reports.

Considerations before Merging EPF Accounts:

When thinking about merging accounts with the Employees’ Provident Fund Organization (EPFO), consider the following:

  • Who takes the lead? Choose who will manage combining your accounts: you, your partner, or a trusted family member.
  • Merge now or later? Not everyone should integrate straight away. If it is not urgent, you can wait and do it when it is convenient for you.
  • Prepare to merge: Before you begin, obtain all of the necessary papers, such as IDs and proof of address for each account.
  • Check for Fees: To avoid surprises, make sure to factor in any fees associated with merging accounts.

Advantages of Merging EPFO Accounts in India

Merging multiple EPF accounts offers numerous benefits:

  • Save Time & Money: Merging accounts means managing just one, saving time and potentially reducing fees. Salary and pension payouts are all in one place, too.
  • Track Expenses Easier: With everything combined, it’s much easier to see where your money goes. This makes filing taxes a breeze!
  • Clearer Financial Picture: Having all your EPFO data in one spot makes it easier for your organization to understand its finances. This helps with better decision-making.
  • Less Hassle, More Time: No more juggling multiple accounts and logins! Merging simplifies finances, giving you more time for what matters.

Individuals and businesses can benefit from these advantages by merging EPFO accounts, which leads to increased efficiency and transparency in financial management.

Post-Merger Checklist for EPFO Accounts in India

After merging your EPFO accounts in India, it’s crucial to undertake several important tasks:

  • Update Details Online: If your name, Aadhaar number, bank account details, or EPF account number have changed as a result of the merger, log in to the EPFO online portal and update them.
  • Verify Accounts: Make sure all of your details are correct and consistent across all consolidated accounts. EPFO may request further information, such as evidence of income or residency, to validate your accounts.
  • Activate Insurance Coverage: Make sure you’re insured for employment pension benefits during the transition time.
  • Elect Pension Benefits: Depending on your present pensionable status, you can choose between getting full or partial pension benefits. Depending on how long you’ve worked for the same employer, you can earn the full pension or a part of it. The deadline for making this election is usually 6 months after the merger date, although this can change based on the specific circumstances.

By completing these actions soon after merging your EPFO accounts, you may assure a smooth transfer and continuing access to EPFO benefits and services.


Follow the steps given to efficiently merge PF accounts. Before you begin the merger, make sure that all intended accounts are operational. Second, confirm that your financial account data and EPFO account numbers are in sync to allow for a smooth merging process. Finally, if any current EPFO benefits are related to former accounts, get in touch with EPFO to clear their records prior to starting with the merger. For more information or support, please contact Kanakkupillai.

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