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Role of EPF E-Nomination in EPFO Account Withdrawals: Mandatory or Optional?


Last Updated on August 29, 2023 by Sumitha

EPF Nomination

The Employees’ Provident Fund Organization (EPFO) plays a vital role in safeguarding employees’ financial interests across India. EPF members can avail themselves of non-refundable EPF advances for various purposes through the UMANG app or the EPFO Unified Member Portal. One common query among EPF account holders pertains to the requirement of EPF e-nomination for partial withdrawals. This article delves into the significance of EPF e-nomination, its role in advance claims, and the process of updating or changing nominees.

EPF Advances and Eligibilities

For EPF account holders seeking partial withdrawals or advances, the EPF Advance Form (Form 31) is crucial. While the EPFO facilitates these advances, it’s important to note that ad hoc withdrawals are not permitted. Different types of advances are available, each with its prerequisites. These advances are designed to cater to the diverse needs of EPF members, such as education, medical treatment, home loan repayment, and more.


What is EPF E-Nomination?

EPF e-nomination is a critical aspect of the EPF ecosystem, ensuring the seamless transfer of benefits to the dependents of account holders in the unfortunate event of their demise. The e-nomination process enables the nominees to access various funds associated with the EPF account, including the Employees’ Pension Scheme (EPS) and Employees’ Deposit Linked Insurance Scheme (EDLI). The process empowers EPF members to designate individuals who will receive both the PF amount and the pension, thereby securing the financial well-being of their loved ones.

Importance of Nomination

When updating EPF nominees, members should ensure they nominate individuals in their families. The nomination must favour family members, as any nominations favouring non-family individuals will be considered void. This measure ensures that the rightful beneficiaries receive the funds, preventing potential disputes and ensuring a smooth transfer of benefits.

Process of Updating EPF Nominees Online

To update or change EPF nominees online, follow these steps:

  1. Visit the EPFO website and navigate to “Services” > “For Employees” > “Member UAN/Online Services.”
  2. Log in using your UAN and password.
  3. Under the “Manage” tab, select “E-nomination.”
  4. Fill in the necessary details and click “Save.”
  5. Confirm family details and add multiple nominees, specifying their percentage share.
  6. Declare the total share amount for each nominee and save the EPF nomination.
  7. Click on “E-sign” to generate an OTP and submit the nomination.

Multiple Nominations and Validity

EPF members can update their nominations through the e-nomination process as often as needed. However, it’s important to note that only the most recent nomination will be considered valid. This feature allows account holders to make necessary changes as circumstances evolve, ensuring that the designated beneficiaries are always up-to-date.


In conclusion, EPF e-nomination is not mandatory for filing advance claims or partial withdrawals. However, it holds immense significance in securing the financial future of the nominees in the unfortunate event of the account holder’s demise. Through a streamlined online process, EPF members can update or change their nominees and allocate shares, ensuring their family members receive the benefits they are entitled to. As financial planning and security become paramount, understanding the nuances of EPF e-nomination is crucial for every EPF account holder.


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