EPFO portal overhaul: Four checks before your next withdrawal

Link Aadhaar and bank account. The system cross-references both against the EPFO record. A mismatch flags the account. The portal will not process a withdrawal until the discrepancy is resolved. For most members, this means logging in, navigating to the KYC section, and uploading the correct documents. The portal checks them against the UIDAI database and the member's bank records.

Confirm the mobile number is tied to Aadhaar. The portal uses OTP-based authentication for most online services. If the number on file is wrong or inactive, the member cannot log in at all. The fix requires updating the mobile number in Aadhaar first, then linking it to the EPFO record through the portal's profile section.

Verify the date of joining and date of exit. For a final PF settlement, these dates must be recorded correctly in the EPFO database. The system checks them against the employer's monthly returns. A gap or mismatch triggers a hold. Members can view their service history on the portal and raise a correction request if the dates do not match their employment records.

A valid nomination speeds up family claims. Without one, the process shifts to a manual verification track that can take weeks. The portal lists the nomination status on the member dashboard. Members can file or update it online.

For employees nearing a job change or retirement, the checklist is short: activate the UAN, link the bank account and Aadhaar, confirm the dates, and update the nomination. Everything else flows from those four steps.