EPFO: Have multiple employee provident fund accounts or UAN? Here's how to merge them — Stepwise guide

The Employees' Provident Fund (EPF) is a government-backed investment and retirement savings option in India. Salaried individuals are eligible to open an EPF account when basic pay and dearness allowance are up to ₹15,000. You can further opt for voluntary provident fund (VPF), if the basic pay and DA exceed ₹15,000 per month.

For FY26, the Centre ratified the EPFO's suggestion of 8.25% interest rate for both EPF and VPF and interest credits were completed earlier this month on 15 July, PTI reported. This marked the third consecutive time the instrument delivered 8.25% returns on provident fund.

Today, we take a look at how EPF subscribers can transfer their old provident fund collection to a new account, how to merge their PF accounts and what to do if they have multiple Universal Account Numbers (UANs).

How to transfer old PF to new account: Stepwise guide

An EPF subscriber, especially those enrolled before 2014, may have multiple EPF accounts from switching jobs. It is better to transfer the funds to maintain continuous services and tax benefits rather than withdrawing the funds. It is thus advised that members use the EPFO portal or Umang app to do so.