EPFO • UAN Benefits
Benefits of a UAN Account: What You Get and How to Use It
A UAN (Universal Account Number) is more than an ID. It links all your PF accounts across jobs in one place and lets you manage your retirement savings, pension and insurance online. Here is a clear list of the benefits and the practical things you can do with an active UAN.
Main Benefits
- One number for life: your UAN stays the same when you change jobs. All Member IDs are linked to it.
- Retirement savings: you and your employer each contribute 12% of basic pay plus DA, and the balance earns yearly interest (8.25% was declared for 2025-26).
- Pension (EPS): 8.33% of the employer's share goes to the pension scheme, which gives a monthly pension after retirement if you meet the service conditions.
- Life insurance (EDLI): free insurance cover for members, paid to the family on death in service, up to ₹7 lakh as per the latest EDLI rules.
- Online passbook: see every contribution and your balance anytime without visiting an office.
- Easy PF transfer: move the old PF balance to the new account online when you change jobs.
- Online claims: apply for PF withdrawal, advance or pension from your phone.
- Tax benefit: your own EPF contribution qualifies for deduction under Section 80C (old tax regime), within limits.
What You Can Do Online With an Active UAN
| Service | Use |
|---|---|
| View / download passbook | Check contributions and balance for every Member ID |
| KYC update | Link Aadhaar, PAN and bank account for claims |
| e-Nomination | Add family members as nominees |
| PF transfer | Move the old account balance to the new one |
| Withdrawal and advance claims | Apply online for full or partial withdrawal |
| Track claim | See the status of any claim |
| Profile correction | Update name, date of birth and other details |
How to Get the Full Benefit
- Activate your UAN through the UMANG app. An inactive UAN cannot be used for online services.
- Complete KYC. Aadhaar, PAN and bank details should be verified.
- Add a nominee. This makes PF, pension and insurance claims much easier for your family.
- Tell every new employer your existing UAN. Never create a second UAN.
- Check your passbook every few months for missing contributions.
Important Points
- The interest rate is declared every year by the government on EPFO's recommendation. Check the latest rate on the EPFO website.
- PF is meant for retirement. Withdrawals are allowed only under EPFO rules, such as after leaving a job or for specific purposes like medical need, marriage, education or a home.
- Interest on very high yearly contributions can be taxable. Ask a tax advisor if your contribution is high.
- EPFO rules are updated from time to time. Please confirm the latest conditions on the official EPFO site.
Need Help?
For UAN activation, KYC, nomination, passbook or any claim, contact Emitrawala.com. Our team will be happy to help you.
Contact on WhatsApp Call: +91 94606 26065