BAJAJ BROKING
March 04, 2025
8 mins read
Managing your EPF (Employee Provident Fund) efficiently is highly essential for financial security, especially in a country where job changes and career transitions are common. This is where Universal Account Number (UAN) registration plays a vital role.
The UAN system, introduced by the EPFO (Employees’ Provident Fund Organization), ensures that employees don't have to struggle with multiple PF accounts while switching jobs. By registering and activating your UAN, you gain seamless access to your EPF account. Additionally, you can easily fund transfers and opt for online withdrawals without employer intervention. On that note, let's walk you through the entire UAN registration process, its benefits, how to generate UAN number, and more.
The UAN (Universal Account Number) is a 12-digit unique identification number assigned by EPFO to all employees covered under the Employees’ Provident Fund (EPF). It remains the same throughout your career, even if you change multiple employers.
Each time you switch jobs, a new PF member ID is created. However, it gets linked to your existing UAN. This allows you to track all your EPF accounts in one place. Here's a little more on why UAN registration is important:
Unifies Multiple EPF Access: Earlier, every job change meant a new EPF account. This made it difficult to track and manage funds. With UAN, all EPF member IDs from different jobs are linked under one number. This eliminates the hassle of managing multiple accounts.
Simplifies EPF Transfers: Before UAN, transferring EPF funds required employer approval, long processing times, and loads of paperwork. With UAN, fund transfers between old and new accounts happen automatically.
Ensures Accurate Employer Contributions: With UAN, employees receive notifications and SMS alerts every time their employer deposits the EPF contribution. This ensures transparency and helps employees track if their employer is making timely payments.
Makes Online Withdrawals Easy: Without UAN, PF withdrawals required employer verification. This made the process quite lengthy. However, with UAN registration and activation, employees can withdraw their PF online without employer approval.
Additional Read : How to Withdraw PF Online
Improved Transparency and Control: Employees don't need to depend on employers to access their EPF balance, withdrawals, or contributions. UAN allows direct access to EPFO’s online services. This gives you (as an employee) full control over your funds.
Reduces EPF Frauds and Mismanagement: Since UAN is linked to PAN, Aadhaar, and bank details, it prevents all fraudulent withdrawals and mismanagement of EPF funds. Employees can monitor their accounts in real-time. This reduces all chances of fraud.
Here's a step-by-step process to help you with UAN registration and activate it online.
Find Your UAN
Check your salary slip. Employees generally mention UAN. If not, visit the EPFO portal and click on ‘know your UAN’. Enter all the necessary details to retrieve your UAN.
Visit the EPFO Portal
If you have your UAN, head to the official EPFO member portal. This has to be the official website where employees can access EPF-related services.
Click on ‘Activate UAN’
On the homepage, look for the ‘Activate UAN’ option. You may find this under the important links section. Click on it.
Enter Your UAN and Personal Details
Here, you will be asked to provide all essential details. Make sure that all your details match your EPFO records. In case there's a discrepancy, your request may be rejected. Some of these details will include:
UAN (provided by your employer)
Aadhaar Number or PAN (either one, whichever is linked to your EPF account)
EPF Member ID (this will be available in your EPF passbook or your salary slip)
Registered Mobile Number (the one linked with your UAN)
Date of Birth (as per EPF records)
Captcha code
Generate OTP for Verification
After entering the details, tap on ‘Get Authorisation Pin’. An OTP will be sent to your registered mobile number. Enter this OTP in the given field and click on Validate OTP.
Set Your Password and Activate UAN
If you have been wondering how to create a UAN password, this is it. Once your OTP is verified, you will be asked to create a strong password. This will be your UAN password. After setting this, click ‘submit’. The activation process will be completed. You will then receive a confirmation message stating that your UAN has been successfully activated.
Log in to Your UAN Account
Now that your UAN is activated, you can easily log in to the EPFO Member Portal using the UAN as the user ID, and the password you just created. Once logged in, you can update your KYC details, access EPF services, check your balance, and download your EPF passbook.
Retrieving your UAN is yet another process which is extremely easy. All you need to do is follow these simple steps listed below and you can regain access to your EPF account.
First things first, go to the official EPFO Member Portal.
On the login page, click on ‘know your UAN’. Enter all your personal details. Click ‘request OTP’, and you will receive the same on your registered mobile number.
Next up, enter the OTP received on your phone and click ‘validate OTP’. If your details match the EPFO records, your UAN will be displayed on the screen.
Once your UAN is retrieved, save it for future reference. You can use this to log in to the EPFO Member Portal and access your EPF account.
Note: In case you no longer have access to the mobile number linked to your UAN, contact your employer and request your UAN. Visit the nearest EPFO office with your Aadhaar, PAN, and salary slips. This will help you request for UAN retrieval. Next up, submit a request to update your mobile number in EPFO records.
Some of the major benefits of UAN activation for EPF members include:
Instant Alerts and Tracking
You will receive real-time SMS updates for withdrawals, contributions, and transfers. This will help to prevent fraud. Employees can easily verify if employers are depositing PF contributions on time.
Easy Loan Applications Against EPF Balance
UAN activation allows employees to apply for a PF advance (loan) online without paperwork during financial emergencies.
Online Nomination Facility
Employees can add or update nominees digitally. This ensures hassle-free EPF settlement in case of unforeseen circumstances.
Eases EPF Claim Process for Family Members
In case of an employee's unfortunate demise, nominees can easily claim EPF funds if UAN and KYC details are updated.
Lifetime Access to EPF Records
Even after retirement, employees can log in to the UAN portal to access their contribution history, EPF passbook, and pension details.
Incorrect Personal Details
UAN activation fails if the details do not match the EPFO records.
Solution: Make sure you verify the details with your employer and payslip before activation. If incorrect, request your employer to update them on the EPFO portal.
Mobile Number Not Linked/Changed
Generally, OTP verification fails if your registered mobile number is inactive or incorrect.
Solution: In case your old number is active, update the new number via the UAN portal. In case it is inaccessible, contact EPFO helpdesk or submit a request via your employer.
Multiple UANs Issued
Employees changing jobs may get multiple UANs. This can lead to solid confusion.
Solution: Only one UAN must be active. Hence, merge them all by submitting a request via the EPF grievance portal or informing your new employer.
EPFO Portal Not Working/Showing Errors
Sometimes, the EPFO website crashes or does not process requests altogether.
Solution: Try to access the portal during non-peak hours. If the issue still persists, use the UMANG app or contact the EPFO customer support.
Aadhaar/PAN Not Linked to UAN
This is the most common error. Without linked Aadhaar or PAN, online activation may completely fail.
Solution: Link your Aadhar and PAN by logging into the EPFO portal under the ‘Manage KYC’ section. Make sure that all the details in Aadhaar match your EPFO records.
Employer Hasn't Generated UAN
Some companies fail to create UAN numbers for employees.
Solution: Instead of panicking on how to generate UAN number, reach out to your employer and request for UAN generation. If they don't, visit the EPFO portal and generate your UAN using your Aadhaar.
Forgotten UAN
Employees who have not used UAN for a long time may forget it entirely.
Solution: Retrieve your UAN by visiting the EPFO Member Portal and using the ‘know your UAN’ option. Here, enter your Aadhaar, PAN, and registered mobile number to receive your UAN.
A well-managed UAN is not just about accessing your EPF funds but about taking control of your financial future. Today, with automation and digital integration, UAN registration ensures that employees don't lose track of their hard-earned money when switching jobs.
Yet, many employers overlook updating their details or fail to link Aadhaar. This can lead to unnecessary delays in transfers and withdrawals. To truly benefit from UAN, it is important to keep your details updated, monitor your EPF passbook, and understand the claim process. The more efficiently you manage it, the smoother your EPF experience will be.
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No. UAN activation can only be done online via the EPFO Member Portal. However, employees can access UAN-related services offline by visiting the nearest EPFO office or through their employer.
Yes. Contractual employees are eligible for UAN registration if their employer provides EPF benefits. They can activate their UAN line and get access to services like KYC updates, passbook downloads, and claim submissions.
No. Linking Aadhaar with UAN is mandatory for seamless fund transfers and online EPF withdrawals. Without it, employees may face difficulties in transferring their EPF balance between accounts.
No. UAN activation is a one-time process. After changing jobs, employees must simply share their existing UAN with their new employer to link their new EPF account.
No. UAN registration and activation are completely free. You should avoid third-party services that charge a fee for registration.
No. UAN activation must be done via EPFO Member Portal only. However, once activated, employees can use the UMANG mobile app to SMS services to check their balance and other details.
Yes. UAN is required for filing online EPF withdrawal, advance claims, and transfer. Without an active UAN, employees cannot process EPF claims digitally.
The EPFO (Employees’ Provident Fund Organisation) generates and allots UAN to employees when their employer registers them for EPF benefits.
No. An employee must have only one UAN throughout their career. If multiple UANs are generated due to job changes, they must be merged via the EPFO portal.
Employees can update their personal details like name, DOB, and contact details by:
Logging into the EPFO member portal
Going to manage > modify basic details
Submitting the necessary changes and waiting for employer and EPFO approval.
Listing all previous EPF Member IDs under UAN helps employees track their entire EPF history in one place. It also eases all EPF transfers between jobs and ensures that all accounts are linked for easy fund management.
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