How to Transfer EPF Balance After Changing Jobs Using the EPFO Portal
Disclaimer: This article is for general information/education and is not investment advice. The information is shared in good faith and for general informational purposes only. Ujjivan SFB does not make any representations or warranties regarding the accuracy, completeness, or reliability of the content.
July 21, 2026
The Employees' Provident Fund Organisation (EPFO) member portal now offers salaried employees two ways to transfer their EPF balance from previous employers to their current employer more easily, reducing paperwork and consolidating their retirement savings without any delays. Here's how the process works and what you need to know.
What is an EPF Balance Transfer?
When you change jobs, your new employer usually creates a new EPF Member ID, while your Universal Account Number (UAN) stays the same. An EPF balance transfer moves your PF balance from your previous employer's Member ID to the one linked to your current employer, under that same UAN.
Before You Start: Check Your KYC Details
Before you can transfer online, make sure your UAN is linked to your Aadhaar, PAN, and a bank account, and that these details are verified. Incomplete KYC is one of the most common reasons an online transfer request gets stuck. You can check and update this under your profile on the EPFO Member Portal.
What are the Two Ways to Transfer Your PF Balance?
Once your KYC is in order, log in to the EPFO Member Portal using your UAN. From there, you can start your transfer request in one of two ways:
1. Request for Transfer of Account
This option is under the Online Services tab. You can begin your transfer request directly from there.
2. Member Service History
Under EPFO 3.0, the Member Service History tab lets you view your past and current employment details. Here, you can also check whether you have any pending EPF transfer claims; if there are none, the status will show "No." Click the Claim link to file a Service Transfer Claim using Form 13.
If you are unaware of your UAN, check your latest salary slip or ask your employer for it.
How to Submit the Online Transfer Request?
Whichever option you choose, you will be redirected to the Online Service/Transfer Request page. From there, follow these steps:
What are the Benefits of EPF?
EPF is a government-backed savings scheme that gives you financial security once you retire. EPFO runs this scheme, and under it, you and your employer each put in 12% of your basic salary and dearness allowance towards your EPF.
As per the EPF-2026 framework, this contribution is capped at ₹1,800 from both sides, though you and your employer can choose to contribute more on a voluntary basis.
For FY 2025–26, EPF earns 8.25% interest per year. The government reviews this rate every quarter and calculates it monthly on your closing EPF balance, but credits it to your account once a year, at the end of the financial year.
Transferring your EPF account matters because it builds up your total service history, and that works in your favour when you withdraw.
Why This Benefits You:
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Final Thoughts
As EPFO 3.0 continues to simplify member services, many EPFO processes are becoming more digital and easier to access, with fewer approval requirements for eligible requests.
Transferring your EPF balance when you change jobs helps keep your retirement savings organised under a single active Member ID while ensuring you carry forward your service history. This also makes it easier to manage your EPF benefits and future withdrawals.
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