How to Link PAN with EPF Account

Q: 1. How can I update my PAN card details in EPF Account?

1) Sign in Unified Member Portal 2) Go to Manage and click on KYC 3) Add KYC by Clicking on the PAN option. 3) Edit or Leave Name as it is and enter your PAN Number 4) Click on Save Button.

Q: 3. How to check if my PAN is linked to my EPF UAN Account?

1) Sign in Unified Member Portal 2) Go to Manage and click on KYC 3) Under Currently Active KYC see the list of all the KYC documents approved along with your PAN.

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Last Updated on March 23, 2022 by Rajith Suvarna

Link PAN with EPF Account Online and Offline

Employee Provident Fund Organization (EPFO) has made it easy for all its PF members by providing an online service to link pan card with their EPF account.

In this article, we will see what is the importance of linking the pan with our EPF account and also see the step by step procedures to link our pan with the EPF account.

TDS on EPF withdrawals with PAN and without PAN

Table of Contents

How to Link PAN with EPF Account Online

The PF members who haven’t linked their pan card with the pf account can easily link their pf account online by following the below steps.

Step 1: Sign in EPF Unified Member Portal with UAN, Password, and Captcha code (autogenerated)

Step 2: Under the Manage menu, click on KYC

Step 3: Now first click on the PAN option, next if you wish you can edit your Name as per PAN or if it is matching with your PAN card, then don’t change it. Later on, enter your 10 digit PAN details. Once all the details are entered correctly click on the Save button.

Save Pan Details for KYC

Step 4: After clicking on the Save button. You will see the below message.

KYC Details saved and will be seeded only after Digital approver by Employer

Step 5: Check the pending status of your PAN card under the KYC Pending for Approval column.

The PAN KYC will be on pending until it is approved by the Employer.
If PAN KYC is not approved within 60 days from the Seeded On date onwards, then the PAN KYC will be invalid or it will be rejected.
The PAN KYC can be done either by an Employer or PF Member.

Note 1: Check for the status and remarks under KYC Pending for Approval column. Also, make sure that the details provided during KYC for PAN are correct.

Note 2 (updated): As per the new update, your PAN KYC request will be cancelled after 60 days if it is not approved from the employer and still in the pending with the employer for digital signing.

Bonus Tip: Make sure you immediately remind your employer to appove your PAN KYC request. If it is delayed than the expected time. Your PAN KYC request will be automatically cancelled (after 60 days) and you may need to send the PAN KYC request once again.

KYC pending for approval by employer in unified member portal

KYC pending approval by the employer in the unified member portal

Step 6: Check for your Approved ✅ PAN KYC status under the Currently Active KYC section.

Your PAN will be successfully linked with your EPF account once your PAN KYC is approved by the Employer.

PAN KYC approved by employer

How to Link PAN with EPF Account Offline

The PF members can also link their pan card with an EPF account by following the old traditional offline method.

Some step by step procedures to link pan with epf account offline is as follow:

Step 1: Visit your nearest EPFO branch and collect the EPF PAN linking form from the EPFO representatives.

Step 2: Now, fill in all the required information along which includes your PAN number, UAN number and Name.

Step 3: Next is to submit the PAN Linking form along with the self-attested copy of your PAN card and UAN.

Step 4: The submitted form is then verified by the EPFO authorities.

Step 5: Once the form is verified successfully, your PAN will be seeded with your EPF Account. The same will be notified to your registered mobile number and your email id.

FAQ’s related to Link PAN with EPF Account

1. How can I update my PAN card details in EPF Account?

1) Sign in Unified Member Portal
2) Go to Manage and click on KYC
3) Add KYC by Clicking on the PAN option.
3) Edit or Leave Name as it is and enter your PAN Number
4) Click on Save Button.

2. What happens if my PAN card is not linked with my EPF Account?

If the employee is trying to withdraw his/her pf balance of more than or equal to ₹50,000 with a total service count of lesser than 5 years. A TDS would be deducted of 34.08% with no PAN being linked with the EPF account.

3. How to check if my PAN is linked to my EPF UAN Account?

1) Sign in Unified Member Portal
2) Go to Manage and click on KYC
3) Under Currently Active KYC see the list of all the KYC documents approved along with your PAN.

4. Can I link my PAN with my UAN account online without the approval of the Employer?

No. To link your PAN with the EPF account or UAN Account online, the employer needs to digitally approve your submitted PAN KYC details in the Unified Member Portal.

5. Is a PAN KYC mandatory for PF withdrawal?

No. But it would be a wise decision in the future if it is linked with your EPF account to save some TDS deduction on your EPF Withdrawals.

Suppose if you want to make a PF withdrawal of less than ₹50,000, then you might not require PAN to be linked with your EPF account.

But if you want to withdraw a PF amount of more than or equal to ₹50,000, then it is mandatory to link PAN with your EPF account to save some TDS deductions.

6. What is the use if my PAN card is linked with my EPF account?

If the employee is trying to withdraw his/her pf balance of more than or equal to ₹50,000 with a total service count of lesser than 5 years. A TDS would be deducted at 10% with PAN being linked with the EPF account.

7. What happens if there is a name mismatch in the EPF account and PAN Card?

If you are trying to link your PAN with your EPF Account Online, during the Add PAN KYC process, make sure your name matches the same name as on the PAN Card. If not you can edit it online and change it to your exact name as per your PAN card records.

But once you enter your PAN details and click on the Save button in the Unified Member Portal. If there is a mismatch in your name of both PAN card and EPF account. Then your PAN KYC will be rejected and you not be able to link your PAN Card with EPF Account Online. So make sure there is no mismatch in the name both in PAN Card as well as in EPF Account.

8. What is the most common reason for the failure of linking PAN with the EPF Account during verification?

The most common mistake which leads to the failure of linking PAN with the EPF Account during the verification process would be the mismatch of name in PAN Card and in an EPF Account.