Written by Ankit Patel » Updated on: July 01st, 2025
Linking Aadhaar UAN lets you file an EPF claim in five days.
In the past, submitting an EPF claim was a pain since it required proof from the employer and took a long time to complete, often taking months or years. But owing to the Indian government's work to make things easier, EPF consumers may now get their claims processed in only five days. Customers may quickly have their EPF claims handled by linking their Aadhaar card to their UAN. This gets rid of the significant wait times that used to be common.
Withdrawal of Form 13
Form 11, sometimes called the EPFO Composite Form, is about to replace Form 13 for automatic online transfers. Form 13 was used by workers till today to start moving their PF accounts from one company to another. The retirement fund authority has decided that Form 11 will be the only form used for all automated transfers, replacing Form 13.
Requirements for settling an EPF claim
The Indian government has produced the Composite Claims Form, which includes information from a customer's Aadhaar card. Employees can now make withdrawals without their employer's signature on this form. This new idea has cut the time it takes to settle EPF claims down to just five days.
To make sure a quick claim is made within this time window, employees must meet certain requirements:
Use the official portal to file your EPF claim online.
You may only apply for PF settlements if you have a UAN (Universal Account Number).
On the EPF site, you may change the information on your Aadhaar card and bank account (such as your account number, account name, bank name, etc.).
Check the information with the present employer, including the employee's KYC papers.
Benefits of the Composite Claims Form
The Indian government has replaced Form 19, Form 10C (for pensions), and Form 31 (for partial EPF withdrawals) with the Composite Claims Form. Customers can only use the Composite Claims Form for EPF payouts now.
The Composite Claims Form has several benefits:
The claim settlement procedure no longer requires an employer's attestation.
You don't need to provide any documents to claim partial withdrawals.
Steps to Settle a Claim
To start the process of settling a claim, workers should do the following:
Go to the EPF member portal and sign in.
On the website, go to "Manage" and then "KYC."
Fill in your Aadhaar card and bank information as needed.
Once you've filled out all the essential information, click "submit."
The present employer must check and approve the Aadhaar card and bank information.
Customers can submit for a claim settlement two months after they change jobs.
After the employer checks the information and the employee asks for a PF settlement, an OTP is sent to the cellphone number that is recorded.
Fill out the Composite Claims Form and enter the OTP you got.
This starts the process of withdrawing money, and employees should expect to get their PF payout in 5 to 10 days.
Deductions for taxes on early withdrawals
The EPF has a lock-in period of five years, which means that any withdrawal during this time is considered premature. Under the EEE (Exempt, Exempt, Exempt) status, withdrawals made after five years in the EPF are completely tax-free. But if you take money out before this time, you would have to pay TDS (Tax Deducted at Source) under Section 80C of the Income Tax Act. For example, if an employee has paid into the same PF account for three years at one firm and two years at another, they can take money out without paying taxes.
The EPF is one of the best ways to save on taxes right now, with an interest rate of 8.65%. Customers benefit greatly from the fact that EPF operations may be done online, which allows for contributions and withdrawals. More and more employees are choosing this savings plan since it is so easy to use.
New Online Service to Connect Aadhaar and UAN
People who have an EPFO account can now link their Aadhaar number to their UAN online. This is a step that EPFO has taken as part of the verification process for online claims.
The retirement fund authority says that this program, which was launched soon before Diwali in 2025, is meant to improve services for UAN members by providing faster and better help.
When you link your Aadhaar or UID (Unique Identity Number) from UIDAI to your UAN, you can use more online services that require Aadhaar linking.
How Linking Aadhaar to UAN
Below is a step-by-step guide on how to connect Aadhaar with UAN using the EPFO website:
In the "Online Services" section of the EPFO website, you may find the "eKYC Portal."
Click on the option that says "Link UAN Aadhaar."
To continue, enter the UAN and get an OTP on the cell phone linked to the UAN.
Finish the procedure of verifying the OTP.
Type in your 12-digit Aadhaar number.
Get another OTP sent to the email or phone number associated to your Aadhaar.
Check this OTP.
The UAN will be connected to Aadhaar if the UAN information matches what's in the Aadhaar database.
What if your UAN and Aadhaar are not connected?
If your Aadhaar number and UAN are not connected, your company or organization won't be able to deposit your monthly payment from the first day of the year.
How can I make sure that my Aadhaar is connected to my UAN?
You can sign in with your UAN and password. Your Aadhaar information will be shown on the home page. If there is a verified demographic next to your Aadhaar number, UIDAI has connected your Aadhaar to your EPF account.
How long does it take to connect UAN to Aadhaar?
It takes about two to three days to change your Aadhaar information in EPF once you upload all the required paperwork.
How long does it take to connect UAN with Aadhaar?
After you upload all the requisite papers, it takes about two to three days to update your Aadhaar information in EPF.
How to turn on UAN without an Aadhaar?
To activate, you need a PAN card, bank details including an IFSC, and an Aadhaar card.
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