Aadhaar, PAN and bank

UAN KYC: update Aadhaar, PAN and bank details

यूएएन केवाईसी: आधार, पैन और बैंक

Last reviewed: 11 November 2026

KYC on a Universal Account Number means the identity and payment details EPFO will rely on: Aadhaar, PAN and a bank account. They are updated after signing in to the Unified Member Portal. This page describes what changed in 2025 and what to check. It does not take the numbers. Activation, if it is still pending, comes first and is done on UMANG.

Why KYC matters for claims and the passbook

The passbook shows whether money has been credited. A claim asks EPFO to pay money out. The payment goes to the bank account that is seeded against the UAN. If that account is missing, mismatched or still unverified, the claim cannot be completed cleanly. PIB Release ID 2120326 lists KYC updates with passbook viewing and claim submission as the services available once the UAN is activated. The passbook itself is a separate login, explained on the passbook page. The claim rules are on withdrawal.

Aadhaar is also the document behind the current activation method. Face authentication on UMANG matches the member to the Aadhaar database. If the mobile number on Aadhaar is wrong, activation fails before KYC even starts. Fix the Aadhaar linkage through UIDAI’s own channel, then return to UMANG.

What to update

Use the name, date of birth and account title that already match Aadhaar and the bank. Inventing a spelling to force a match creates a second mismatch. Where a bank or PAN verification still involves the bank or the employer, the status to trust is the one on the official portal. No official page cited here sets a universal “7 to 10 working days” clock, so this page does not invent one.

How to update on the official portal

Contemporaneous descriptions of the portal often say Manage, then KYC. If the live menu has moved, follow the menu, not a frozen screenshot. Do not email scans of Aadhaar or PAN to an address that is not on epfindia.gov.in.

Bank seeding from April 2025

Before this change, many members waited for an employer to approve the bank account on the UAN. PIB Release ID 2136592 states that this employer approval has been removed from April 2025. The same note says the upload of a cheque leaf or an attested bank passbook image has been removed for many online claims. Together, those two sentences are why a 2023 tutorial that insists on employer sign-off and a cancelled cheque is out of date.

Removal of employer approval is not removal of the bank account. The account still has to be the member’s, and it still has to verify. If the portal shows a failure from the bank’s side, the correction is at the bank or in the details you typed, then a fresh attempt on the portal. It is not a fee paid to a third party.

Profile correction and de-linking a wrong member ID

Names, dates of birth and similar profile fields used to bounce between the employer and the EPFO office. PIB Release ID 2136592 says online profile correction has been simplified using Aadhaar authentication, and that employer and EPFO dependency has been removed in most cases. Use that online route while logged in.

A wrong member ID linked to the UAN is a different fault, common after a job change when the old and new accounts were not joined carefully. The same release describes an online de-linking facility so the member can de-link a wrong member ID. De-linking is not the same as transferring a balance. After the correct member ID is the one on the UAN, a transfer is what moves the money. Doing them in the wrong order, or creating a second UAN instead, is how balances get stranded.

Pending or mismatched details

Read the status on the portal before assuming the worst. A pending Aadhaar seed, a PAN mismatch and a bank-account mismatch are three different messages. Each one names the system that disagreed. Fix that system, then resubmit on the portal.

While a bank account is unverified, do not file a withdrawal and hope. Paragraph 46 and paragraph 49 claims are paid to the seeded account. The checklist can tell you whether the amount and the reason fit the Scheme. It cannot see whether your KYC is verified, because it never asks who you are.

PIB Release ID 2136592 also says these services are free and warns members not to pay cybercafés or unauthorised agents. Grievances can be registered on EPFiGMS or CPGRAMS. Helpdesk 14470 is the number on the member-portal notice. The passbook page adds its own warning: do not share Aadhaar, PAN, bank details or an OTP, and do not treat a surprise call as EPFO.