How to Update Bank Account Details in EPF Without Employer Approval

EPF members don’t need their employer approval to link their SBI bank account number with their EPF account.  Even without employer’s approval SBI bank account numbers can be linked with EPF accounts automatically. But for other bank accounts employer approval is mandatory.

EPF members who have SBI bank accounts can link their account number with their PF account online in the UAN member portal.

How to Update Bank Account Details in EPF Without Employer

Step 1: Login in the UAN member portal with your UAN and password.

How to link bank details with PF account online.

Step 2: Go to the Manage option in the menu bar and click on KYC from the drop down menu.

EPF bank  details linking process.

Step 3: Select bank option and enter your bank account number twice, and IFSC code.

PF kyc link online,

Sep 4: Click on verify IFSC and your IFSC code will be verified.

Step 5: Click on save option, now a OTP will be sent to your mobile number which is linked to your Aadhar.

How to update bank details in PF without employer

Step 6: Enter the OTP and submit.

Bank details link in UAN member portal.

Now your bank account number is pending for approval from the bank and you will see this message on the screen.

“ Your bank account number is being verified from the bank. After successful verification from the bank it will be seeded against your UAN. A notification has been sent to your registered mobile : 85XXXXXXXX.”

Bank account number is pending for approval in PF.

Once you get this message then within 2-3 days your SBI bank account details will be linked to your PF account without your employer approval.

Until approval your added bank details will be present under “KYC Pending for Approval” section. Once it gets approval then it will be visible under “Currently Active KYC” section.

PF bank details link without employer approval.

FAQs

How to Update Other Bank Account Details in EPF

Follow the same process described above, but for other banks the request will be sent to your employer and they have to approve it with digital signature in their employer EPF portal.

Who will Approve Bank Details in EPF?

For SBI account holders the bank will approve the bank details, and for other banks, employers will approve the bank details request in their employer PF portal.

How Much Time Will it Take to Update Bank Details in EPF?

If your bank details are pending for your employer approval then they can do that immediately or whenever they are free. Most employers will take atleast and if you request them then can approve it immediately also. It depends on your employer’s willingness.

Can I Use a Different Bank Account for PF Withdrawal?

No, You have to use the same bank account which is linked to your EPF account. If you submit another bank’s cheque or passbook while applying for PF then your PF claim will be rejected.

Also Read

145 thoughts on “How to Update Bank Account Details in EPF Without Employer Approval”

  1. I am unable to claim my PF because whenever I claim on UAN portal I am asked to verify my bank whereas my bank is already verified and again I verify it shows there ( Same bank account number is already seeded against your UAN)

    Kindly update and verify your bank account details through self-service mode.[DB]

    Reply
  2. APGVB Bank change to TGRB so IFSC code was changed so i was changed IFSC code in pf account in last 15 days back ,but still verification under process

    Reply
    • Your employer has to approve it.
      So contact your employer to approve the bank details in their employer’s PF portal.

      Reply
  3. I have linked ICICI bank account with EPF now I want to change it to my SBI account, I also added 3 times as per the above process in EPFO portal but after 3/4 days it shown as pending for employer digital signing.

    I already left the Job since 2 years and I think the Company also closed bcoz all contacts doesn’t existed and also mail id’s were bounced.

    So, what should I do, Kindly suggest.

    Reply
    • May be your company’s digital signature got expired, so EPFO is not approving your request to add SBI account.
      You should visit your PF office directly to solve this issue (or) you have to update it through new employer whenever you join a new job.

      Reply
  4. I added SBI account after 3 days it will comes under rejected KYC (Rejected due to name mismatch). My name in EPF account and Bank account both are same. I am tried 4 to 5 times same error coming

    Reply
  5. I have added my SBI bank account for kyc on 20 th January and today it is 15 February but it still says verification under process what shall i do.

    Reply
  6. It’s kind of fraud going on . I think gov is not willing to pay the pr ammount . Therefore they are making this process so difficult.
    My last company has been closed and bank account details are pending for DSR.
    I don’t know to whom sud I contact and get my money .

    Reply
  7. I have link my sbi account with pf..first 2 3days it sait verfication under process but after days again it show pending for digital signature..should i go to the bank tel them to approved or what

    Reply
    • I have link my sbi account with pf..first 2 3days it sait verfication under process but after days again it show pending for digital signature..should i go to the bank tel them to approved or what

      Reply
  8. Hi, I already linked my Axis bank account with EPFO. Now I want to change my bank account to HDFC bank and submitted the details in Portal also. And my employer also verified the same. But still the status
    showing as “pending with Employer for digital signing” in epfo portal. Please let me know who has to approve my bank account details now. I already left my job.

    Reply
  9. I just want to ask that I have added new bank Sbi account detail and it is verified by bank too but it’s showing ‘pending with employer for digital signing’ and I have already left the job before 5 year and I am now self employed person. so employer is not able to verify details so in this case what can I do mean how can I verify account with self mode.

    Reply
    • Employers will generally get all the KYC requests in their employer’s PF portal and approve them without any problem.
      If they are delaying you can contact them to approve your bank details.
      In case they don’t respond you can complain on the EPF grievance portal website.

      Reply
  10. him
    i have wrong ifse code in epf portal and employer has been closed when i update right ifse code in epf message show pending for employer verification what to do

    Reply
    • You can change your bank details even after the employer’s approval.
      So wait for the approval, after approval update the correct bank details, then old bank details will become inactive.

      Reply
  11. I just want to ask that I have added new bank account detail and it is verified by bank too but it’s showing ‘pending with employer for digital signing’ and I have already left the job before 5 month and I am now self employed person. so employer is not able to verify details so in this case what can I do mean how can I verify account with self mode.

    Reply
  12. Anyone in same boat as me ? I added SBI account, Initially it was in status ‘Verification under process’ , but after couple of days went to Employer approval. Many forums say SBI account doesn’t need employer approval, then why is my account still waiting for employer digital signature. Unfortunately my employer HR desk is not responding properly to multiple emails, their answer is always that they have too many backlogs to clear. Once you are an ex employee they hardly care.

    Reply
    • Actually for an SBI account employer’s approval is not required.
      If it is happening in your case, then it may not take less than 1 minute for the employer to approve it in their employer PF portal.
      If they are not responding to you, better a register a complaint on the EPF grievance portal.
      PF officer will contact your employer on your behalf of you.

      Reply
      • Its puzzling that SBI account still needs employer approval. I am assuming they have changed the rules now. As my last resort now like you have suggested, I am going to register a complaint on the EPF grievance portal. Thank you.

        Reply
  13. i have updated my SBI bank details on nov 07 in EPFO. still it is showing in “Verification In Progresss_. When it will be added

    Reply
  14. For withdrawal of PF money we had kyc linked canara bank
    For Pension we had to change the bank to SBI
    We had updated the SBI bank details as above. But now its showing employer digital signature pending. Is there a requirement of employer digital signature?

    Reply
  15. Hi ,
    My EPFO portal shows the same error ” Invalid bank account number” , i believe it is because of the IFSC code change (because i changed my home branch). Now when i raise a KYC update request of the epfo portal , the pending kyc entry gets deleted automatically . Kindly suggest some help .

    Reply
  16. Hi,
    I am facing issue in adding my SBI account.
    As explained, I validate my SBI account and got the acknowledgement that account details will be updated soon.
    But when I check the next day, nothing appears in KYC pending list and also not in approval list.
    Please help me.

    Reply
  17. Invalid Bank Account Number. Kindly update your bank account details through self mode or employer.[DB]

    My Bank details got updated not able to apply for Claim

    Reply
  18. Hi Rajesh
    I update my bank KYC on 18th July 2022 but yet the notification show is pending with employer for digital signing and employer not want to approve it. so what I do in such case. I have updated my details for kyc like this under SBI bank and it’s been more than 15 days.

    Please tell me any solution for how to complete my KYC

    Reply
  19. Hi, i have marked my Exit. Now to withdrawn i need to add my Axis Bank in KYC. So for Now will this approved automatically?

    Reply
  20. I have updated my details for kyc like this under axis bank and it’s been more than 15 days and it still doesn’t get verified.

    Reply
  21. Hi Rajesh
    I update my bank KYC on 5th June 2022 but yet the notification show is pending with employer for digital signing and employer said they didn’t get any request for KYC so what I do in such case.

    Please tell me any solution for how to complete my KYC

    Reply
  22. I update my bank KYC on 4 may 2022 but yet the notification show is pending with employer for digital signing and employer said they didn’t get any request for KYC so what I do in such case

    Reply
  23. Hi Rajesh,
    My Salary account was Union Bank of INDIA, resigned the job and applied for PF (Union Bank) due to IFSC claim got rejected then i added my SBI account details by adding new bank account details, since more than 15 days it’s showing messages as ” Verification under process”

    Reply
  24. I have updated BoB account. My old company closed. I left job in 2014& now not working.
    Whom should I contact for approval.?

    Reply
    • Your last worked employer. And you have to transfer your PF from your old PF account to your last PF account before the withdrawal.

      Reply
  25. Hi,

    if I link Union Bank of India account then as per your saying it will automatically get approval from bank 7 days past but approved by bank
    And also within how many days will it get approved and if it does not get approved whom should we contact to..

    Kindly reply

    Thanks in advance

    Reply
      • Are you sure because I also added my SBI bank account details on the EPFO portal but did not get approved. It’s been 16 days and it still shows pending for employers’ digital signing. Currently I am not employed. Is there any other way we can get it approved.

        Reply
  26. Hi if we link SBI account then as per ur saying it will automatically get approval from bank and it will not ask for employers approval right?
    And also within how many days will it get approved and if it does not get approved whom should we contact to..
    Pls reply..thanks in advance

    Reply
    • It may take a maximum of 7 days. If it doesn’t get approved, you have to register a complaint on the EPF grievance portal.
      But in most cases, it gets approved without any issues.

      Reply
  27. Invalid Bank Account Number. Kindly update your bank account details through self mode or employer.[DB]

    Reply
  28. Dear ,

    I have updated my IFSC code and after 15 days still showing “in progress” state , Could you help me how I can raise grevinace with EPFO.

    Reply
  29. sir my pf bank account not athorizerd my old company ,bank account added to pf account without employer,any solution plz

    Reply
  30. Hi,
    I’m unemployed for 2 months, hdfc is my salary account but I don’t want use that for withdrawal. So I opened with kotak bank and now I want to change bank account in PF account as KOTAKBANK. Still employer wants to approve? Since, I let job before 2 months itself. I don’t have any contact with my old employer.

    Reply
    • Yes, your new bank details need to get approved by your employer.
      Some employers will approve them without any intimation from employees, it is their basic duty.

      Reply
  31. Hi,

    My UAN account is linked to CITI Bank and it is my salary account, however when I claimed for withdrawal it git rejected due to mismatch of the Name. I wanted to know if i can change the Bank account details (Not a salary account) in the UAN Portal which matches to UAN Account , irrespective of my salary account?

    Reply
  32. I left my job and want to change my account number on epfo. Is there any other bank than SBI where previous employer approval is not required.pls help me as I’m not sure how long it will take from my previous employer side

    Reply
  33. Hi sir
    This is shaheena begum iam requsting last one year please approve my aadhar with my UAN.but my HR not respondinge sir he always told this month last week I will do.he toldinge last one year sir.please sir help me my kyc details approve and my pf do clearance sir thanking u sir

    Reply
  34. Hi,
    In my UAN KYC, Bank details showing as approved and approved by employer. But in UAN profile, BANK fields shows as “Not Available” and because of this, I am not able to raise PF transfer request to my new employer PF account

    Reply
  35. I changed my KYC Details and add a new bank in my Account. It is showing ‘pending with employer for digital signing’. how can i change my bank details without the employer’s approval. Also, I want to delete my old bank account. please guide

    Reply
    • If you have an SBI account, it doesn’t require an employer’s approval.
      Once your new bank details get approved then your old bank account details will automatically become inactive.(No need to delete)

      Reply
  36. I applied for withdrawal in epfo…It was rejected since the IFSC code is wrong….now I am not working…how can I update my IFSC code… I also don’t hold account in SBI…. please help me with this… thanks in advance

    Reply
    • Update whatever bank account details you have, once those details get approved by your employer then you can reapply for PF.

      Reply
  37. Hello sir/mam
    in epfo portal i updated my kyc detail, here in bank option column account number is correct but in the column of name my father name have been registered and same approved by my employer too .

    please suggest how to rectify it.

    Reply
  38. I had added a Union Bank account in connection with the pf site. The first reply was that it was a tempered account. Added again and it shows as Verification on process. It has been showing the same status for 2 weeks now. Anyone who knows how to solve this problem can tell me

    Reply
  39. I have UAN , my adhar number was linked to UAN ,But bank account number was not linked, present that company was closed from last year ,no employee are their, how to add my account number in PF please tell me bro

    Reply
  40. sir, I have a joint account with my wife under epfo and was verified by employer, but at the time of claim i changed account type i.e joint to single but the account number was same, and unfortunetly my claim is rejected with this message Claim Rejected STRIKING IN JOINT HOLDER NAME WITHOUT ANY ATTESTATION ALSO JOINT A/C OTHER THAN SPOUSE IS NOT ACCEPT
    kindly give me the solution as soon as possible

    Reply
    • It is better to get a new passbook or cheque with only your name on it.
      Also, check whether your uploaded bank passbook has a bank officer’s signature and stamp on it or not.
      If you are uploading a cheque then make sure your name is printed on it.

      Reply
  41. Hello,

    Please help me as I applied for pf withdrawal and my UAN updated bank /aadhar details are correct . My last to last company pf claim was settled on same account and now I applied claim for pf withdrawal by same bank link uan and Now claim was rejected again and again with status invalid bank/aadhar details.
    Can you please suggest me what can I do now?

    Reply
  42. hello,
    I left job in July month and i want to withdraw my PF amount now. I have BOI bank added in UAN and applied for claim but my claim was rejected again and again with reason invalid bank/Aadhar details but as informed you that my last to last company was settled my claim with same bank details. then why my claim is not in under process.

    Can you please assist me what can I do now.

    Reply
  43. I left job in July month and i want to withdraw my PF amount now. I have HDFC bank added in UAN but before withdrawal I want to change my bank account to Kotak.
    As far as i aware adding bank account other than SBI, approval for same will goto employer.
    But as i already left the job not sure how this bank account change approval will be done.
    Can you please assist me how can I change my bank account.

    Reply
    • First, you have to update your new bank details on the UAN portal.
      Then your employer can see your pending request on their employer PF portal, if they approve it, your new bank details will be activated.
      To fasten the process you can intimate your employer otherwise they will do it whenever they open their employer PF portal.

      Reply
  44. Hello sir ji,
    Please can anyone provide the exact solution for this issue..?
    I applied PF on Nov 4th 2021 but it got rejected due to no name not avail on my Citibank canceled cheque, so i updated my bank account number as per Aadhar name but it has been rejected again due to name mismatch,
    and i went to my bank account home branch and changed name in bank account as per Aadhar and submitted to EPF portal again but here at portal,
    under ”KYC History (Approved/Rejected/Invalidated)” bank details showed as verified online by bank ,
    under ‘Currently Active KYC’ also also showed as verified online by bank ,

    But it prompted me again to update the bank details while trying to claim the PF
    please help me to resolve this issue
    ———————————————————-
    ”Please update your latest Bank account no. and valid IFSC details through your employer/Unified Portal.”
    ———————————————————

    Thank you,

    Reply
    • Except for SBI, other bank accounts need employers’ approval to update in the UAN member portal.
      In your case, City bank was approved without the employer’s approval.
      So better register a complaint on the EPF grievance portal (or) again update the same bank account details on the UAN portal.

      Reply
  45. hi i working in company before two year .then i create epf account and also linked my icici bank account then i checked it is approved and i forget to claim the money. now i change my bank account and also update the account in epf. that show kyc is pending and wait for approved .i contact my old company but they didnt respond me properly .how to claim my amount without that employee approvely.pleae help me folks…..

    Reply
    • Except for SBI, for other banks employer’s approval is mandatory.
      So if you have an SBI account then give those details on the UAN portal, for other banks you have to depend on your employer for approval.

      Reply
      • I added SBI bank kyc in my EPFO account on 9 dec 2021 but it is still showing verification under process in kyc pending for approval section how much more time it will take for fully approved ?

        Reply
        • In general, it will be approved within 7 days, in your case, it is delayed, so better register a complaint on the EPF grievance portal website.

          Reply
  46. I had an ICICI bank account updated with my UAN no. 101319402507 (PF Accounts) but there is an issue I am facing that in cheque IFSC code is different from the code which is updated in PF account, that is due to in EPFO portal automatically fetched the IFSC Code details as the first 4 digit of a bank account.
    I tried to withdrawal the PF as covid advanced, the first time they settled the claim, but now they rejected the claim as IFSC code is different in cheque and PF account
    Can you please tell me what should I do,

    Reply
  47. I had an ICICI bank account updated with my UAN no. 101319402507 (PF Accounts) but there is an issue I am facing that in cheque IFSC code is different from the code which is updated in PF account, that is due to in EPFO portal automatically fetched the IFSC Code details as the first 4 digit of a bank account.
    I tried to withdrawal the PF as covid advanced, the first time they settled the claim, but not they rejected the claim as IFSC code is different in cheque and PF account
    Can you please tell me what should I do,

    Reply
  48. I am trying to update bank details in the EPF portal. But it is taking too much time to save the bank details after verifying the account number & IFSC Code. can you please help me out?

    Reply
  49. Hi Team,

    i have HDFC bank acc and in KYC details it is showing incorrect IFSC code for ths acc.
    when i try to update the correct IFSC details it is showing that the adhar linked mobile number is not same with UAN linked mobile number.
    what to do in this case, as my adhar i linked with my father’s number

    Reply
    • change your UAN linked mobile number, it is easy when compared to changing your Aahar linked mobile number.
      But make sure your father’s mobile number is not linked to any other PF account previously.

      Reply
  50. Dear Sir,
    I left my job in 2020 it self. I want to add hdfc bank account so I can withdraw my funds. But it’s pending for employers verification which I don’t have. Any help what to do next?
    It’s very frustrating we are begging for our hard earned money. My claim has been consistently rejected by epfo due to unstamped passbook. Very disappointing even at the age of digital era they can’t verify through adhar, pan and other details.

    Reply
    • If your employer is operating their business then their approval is mandatory to link bank account except for SBI accounts.
      So either you have to request your employer to approve it or link the SBI account (if you have any).

      Reply
  51. Though my name listed on PAN, bank and Aadhar is , my first employer created UAN with name as . It is not linked with Aadhar yet.
    However, my recent employer created another UAN with name that matches my PAN, bank and Aadhar.
    Due to same bank and PAN details but different names in both the UANs, UAN portal is not allowing me to withdraw PF money unless the differences are resolved.
    I placed name change request on my old UAN, but it says employer needs to approve the change. I do not have any contact of the old employer. Their phone numbers and email ids are no longer working. So i am not sure how i can resolve this name change request and have the old one linked to the new one for a successful PF withdrawal.
    Please advise.

    Reply
    • Without the employer’s help, it is not possible to correct your name, except they shut down their business.
      So better send them an email to approve your request or contact them directly.

      Reply
  52. Sir…
    My Sbi Account is already linked up on my UAN Number but when I claim it.
    Then it show that your account is already link with another UAN number.
    So Change the Account number or update your previous UAN Number.
    But Problem is That I dont Rember My previous UAN number before 2014 and company also closed .
    ..
    ..
    So if I transferred the same SBI Account number to another branch by this my IFSC code will change …

    Then may I Proceed it to update KYC with same Account no but with another IFSC …
    It will get Approved or not…

    Reply
    • I have never tried it, but you can try it once.
      If it shows the same error then either you have to find your previous UAN or you have to update new bank account details.

      Reply
  53. hello sir,
    hope you are doing good, I have SBI bank account and i have applied for bank verification many times but it got rejected. Today i have applied again so lets see.
    but now I’m not employ anymore at any company, so will my bank account be verified or i have to physically go to pf office ?

    Reply
      • Hi sir even I have added by sbi account to my pf portal since it has been 5 6 dys it has been not approved . Even though I have visited to my sbi branch bank they are saying they are not aware of this . So Dear sir plz help me in this case how can I get the aporovl waiting fro ur rply

        Reply
  54. I have updated my SBI bank details in EPFO portal before 2 weeks, still my bank details pending to approve from bank side. Whom should I contact regarding this

    Reply
  55. Sir my IFSC code had been changed and my company had not approved the new one, my bank account is of Siliguri and my company had created the pf account Mumbai, Bandra brach. How could i Update the account details without the help of my employer.

    Secondly if my employer doesnt gives and exit date after i leave the company, how can i avail the whole amount of Epf?
    I am having problems regarding this, please help.

    Reply
    • You can update your date of exit yourself, fro that you don’t need the employer’s approval.
      But for bank details, your employer’s approval is required except for State Bank of India accounts.
      If they are not approving your Punjab National Bank details then register a complaint against them on EPF grievance portal, but before that once again request them.

      Reply
    • If your employer is not active, then you have to visit your PF office directly to approve your KYC
      (or) you have to withdraw your PF offline by taking the signature of your bank manager on PF claim forms.
      Bank manager means the manager of the bank in which you have an account.

      Reply
  56. Hello Sir, My Bank Address Change So Its IFSC Code Change, Now i Want to KYC With New Updated Bank Address But Its Pending More than 8 Days. MY Account In SBI Bank & Massage Is : KYC change in Bank Account Number submitted by you on 11/10/2021 is pending with (My Last Company Name)., for approval. You will be able to submit the claim once this KYC is approved/rejected.
    What Will I Do For Its…Please Inform Me.

    Reply
  57. Hi,

    I tried to add my SBI account however it got rejected citing reason that the name doesn’t match thought it is correctly mentioned. Since it is joint account and my wife’s name is first in this account, can this be the reason of rejection?

    Sachin

    Reply
    • There is no exact answer for it, it may due to most of the Indians have SBI bank accounts.
      Hope in the future EPFO might extend this facility to other banks as well.

      Reply
  58. UAN No. 100102373308
    Membership DSNHP00037370000003716

    have been trying to get my bank account of EPF Pension to SBI Kerala from Indian bank New Delhi. New bank account has been verified by bank but I don’t know how to submit same to my employer. However the following quote shows

    “EPF members don’t need their employer approval to link their SBI bank account number with their EPF account. Even without employer’s approval SBI bank account numbers can be linked with EPF accounts automatically. But for other bank accounts employer approval is mandatory.”

    But still there is no approval. Can you please advise me how to get the approval

    Reply

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