The Employees’ Provident Fund (EPF) is a secure, long term investment tool and retirement savings option for salaried individuals in India. You are eligible to open an EPF account if your basic pay and dearness allowance are up to ₹15,000, and you can add the voluntary provident fund (VPF) option if the basic pay and DA exceed ₹15,000 per month.
The Finance Ministry has reportedly ratified the EPFO’s suggestion of 8.25% interest rate for EPF and contributions by salaried citizens this financial year (FY2025-26), PTI reported. The EPF interest credits were expected to be complete by 15 July this year. This marks the third consecutive term that EPF subscribers receive 8.25% interest rate on their provident fund savings with the retirement fund body.
Today, we take a look at how EPF subscribers can update the know-your-customer (KYC) electronically information for their account using the retirement saving fund body’s official portal.
How to update KYC for EPFO account — Stepwise guide
Notably, the EPFO mandates Aadhaar linking for services such as withdrawal of funds, transfer of funds, and settlement claims. While usually done by the employer, you can complete the Aadhaar seeding using the Umang app. to confirm your identity is also mandated and requires documents including Aadhaar, PAN card, and a bank account.
KYC updates are mainly completed through the EPFO portal. Here’s how:
- Log in to the official website and check the left panel, click on profile information.
- If the PAN or bank account shows “Not Available”, you will need to update this.
- Start the process by navigating to Manage — KYC.
- Click the Bank option and enter and confirm your bank account number. Enter your IFSC code and click Verify IFSC to confirm branch details.
- Accept the disclaimer, click Save, and verify with an OTP.
- Now, select the PAN option and enter the 10-digit number, your name as printed on the card.
- Accept the disclaimer, click Save, and verify with an Aadhaar OTP.
- Once submitted, bank KYC goes to your bank branch for verification first. The status then changes to ‘Pending with Employer for Digital Signing’.
- Your must then approve using their DSC. This two-step process can take from seven to 10 working days. If it stays pending longer, contact HR directly.
Complete e-Nomination process after KYC
The mandatory nomination for your EPFO account can only be completed on the portal after your KYC has been processed. Here’s how to complete this step:
- Log in to the and navigate to Manage — E-Nomination.
- Update profile details including adding a photo (size less than 100 kb) and address.
- Next add nominee details by clicking on “Add Family Details”, including their Aadhaar, photo (size less than 100 kb), relation (spouse, child(ren), dependents), share or percentage you want each to have.
- Click “E-sign”
- Enter Aadhaar number or and complete verification.
- The system digitally signs your nomination using Aadhaar authentication and saves it in the EPFO records.
- Notably, you must complete the Aadhaar OTP-based e-sign to finish the process, or your nomination remains pending and is not valid.