Universal Account Number

The Universal Account Number (UAN) is a crucial element for salaried employees in India who contribute to the Employee Provident Fund (EPF). This article delves into the details of UAN, covering its definition, acquisition, benefits, and more.

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Disclaimer: ##Rs 60,000 are the monthly pension amounts at the assumed rate of return of 8% p.a. and 4% p.a. for unit linked insurance plans. This is an illustrative example and the returns are not guaranteed & dependent on the policy term and premium term availed along with the other variable factors. The market linked return of 60K per month is for an 18 year old investing 6k per month for 20 years in a whole life policy having policy term 82 years in which Systematic partial withdrawals start at the age of 65 years at 5% rate of withdrawal per year. The investment risk in the policy is borne by the policyholder. All Plans listed here are of insurance companies’ funds. *Tax benefits and savings are subject to changes in tax laws. All Plans listed here are of insurance companies’ funds. Disclaimer: #The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CAGR 8%; ₹50,45,591 @ CAGR 4%. *Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

What is a Universal Account Number (UAN)? 

UAN stands for Universal Account Number. It's a 12-digit number assigned to every employee who is a member of the Employee Provident Fund. Issued by the Employees’ Provident Fund Organisation (EPFO), under the Ministry of Employment and Labor, Government of India, the UAN remains constant throughout an employee's career. Even if an employee changes jobs and receives a new member ID, their UAN remains the same, linking all their EPF accounts. This allows easy tracking of EPF contributions across different employers.

The UAN simplifies EPF management. It consolidates multiple PF accounts associated with different employers under a single number. This enables employees to easily access, withdraw, and transfer funds through a unified platform.

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Obtaining a Universal Account Number (UAN)

Employees receive their UAN from their employers. Alternatively, individuals can obtain it by visiting the UAN portal and using their PF Number/Member ID.

  1. Finding and Activating Your UAN

    To find and activate your UAN:

    • Visit the EPFO website and click ‘Member UAN/Online services’.

    • Fill in the required details on the UAN portal.

    • Click ‘Get authorization PIN’.

    • Receive a PIN on your registered mobile number.

    • ‘Validate OTP and Activate UAN’.

    • Receive a password on your registered mobile number to access your UAN account.

  2. Downloading Your UAN Card

    To download your UAN card:

    • Visit the EPFO official website.

    • Enter your UAN number, password, and the displayed Captcha code.

    • Sign in and go to the ‘View’ section.

    • Click ‘UAN Card’ and then ‘Download’.

Documents Required for UAN Registration

If you're starting your first job with a registered firm, you'll need these documents for UAN registration:

  • Account information (account number, IFSC code, branch name).

  • ID proof (driver’s license, passport, voter ID, Aadhaar, SSLC Book).

  • Address proof (recent utility bill, rental/lease agreement, ration card, or any of the ID proofs).

  • PAN Card (must be linked to your UAN).

  • Aadhaar card.

  • ESIC card.

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Services Offered by the UAN Portal

The UAN portal provides various services for both employees and employers.

After logging in with their UAN and password, users can:

  • Download the passbook and UAN card.

  • View member IDs and PF linking status.

  • Check transfer claim status, file claims, and review system-generated transfer claims.

  • Change their email address and phone number.

  • Update and upload KYC documents.

  • View helpdesk contact information.

EPF Management Through UAN

UAN simplifies EPF management by:

  • Allowing employees to share their UAN and PF account details with employers.

  • Linking all old accounts to a single UAN.

  • Enabling UAN card downloads via the EPFO e-Sewa member portal.

  • Facilitating online KYC verification.

  • Helping monitor claim transfer status on the EPFO portal.

  • Enabling PF balance checks by accessing the passbook from EPFO’s website.

Importance of UAN

UAN is essential for employees and beneficial for employers:

  • Helps EPFO track employee organization changes.

  • Simplifies PF account updates when employees change jobs.

  • Provides online access to UAN facilities for PF withdrawals and transfers.

  • Ensures PF account validity.

  • Enables employer authentication of employees with verified KYC documents.

  • Prevents employers from withholding employee PF.

  • Allows employees to check monthly PF deposits and access the EPF passbook.

UAN Benefits to the Employee

UAN reduces employer involvement in PF transfers. After KYC verification, employees only need to provide their UAN details and KYC to their new employer for PF transfer. Employees can also subscribe to SMS notifications for employer contributions.

Withdrawing or Transferring Funds with UAN

UAN streamlines fund transfers when changing jobs:

  • All PF accounts can be linked to the UAN.

  • KYC verification allows online account management with the employer.

  • Monthly updates on employer PF contributions are received.

  • Employer involvement is minimized.

  • EPF passbooks are accessible online.

  • PF withdrawals are simplified and can be done without employer involvement.

UAN Customer Support

The EPFO website has a UAN helpdesk with sections for Help and Claim. ‘Help’ addresses employee and employer queries on EPFO offices, UAN, services, etc. ‘Claim’ supports various claim forms. The helpdesk is available 24/7.

FAQs

  • I lost my UAN. How can I retrieve it?

    If your UAN is linked to your Aadhaar or PAN card, you can recover it online. Visit the EPFO website and follow this path: For Employees > Member UAN/Online Service > Know Your UAN Status. Enter the required details, request an OTP, verify it, and then click on the "Show My UAN" button to retrieve your UAN.
  • How can I correct incorrect details on my EPF card?

    If your name, date of birth, or your father’s name is incorrect, you can update it by submitting the necessary documents to your employer. Additionally, you can report the issue to the EPFO helpdesk to request corrections on your UAN card.
  • What details are included on the UAN card?

    The front side of the UAN card displays your Universal Account Number (UAN) and KYC details, provided they have been verified by your employer. The back of the card includes your last five member IDs and EPFO helpdesk contact information.
  • What should I do if my UAN update is still pending at the field office?

    Delays in UAN updates may occur due to processing at the field office. If your update is pending for too long, you can escalate the issue by contacting the respective EPFO commissioner or filing a grievance on the EPFIGMS portal.
  • How can I check the status of my UAN KYC update?

    KYC verification for UAN usually takes 3 to 5 days. If it remains unapproved after 7-8 days, you can raise a complaint or reach out to your regional EPFO office through the online helpdesk or by calling 1800 118 005.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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