How to roll over your EPF when you change jobs

Five steps to merge your provident fund into one continuous account — from checking your UAN to updating your net worth once the transfer confirms.

1. 1. Check your UAN is active and linked to both employers — Your Universal Account Number (UAN) stays the same across jobs — only the member ID under it changes per employer. Log into the EPFO member portal and confirm your new employer has approved your UAN, and that your KYC (Aadhaar, PAN, bank account) is seeded and verified.
2. 2. File the transfer request via Form 13 (online, through the portal) — From the EPFO member portal, go to Online Services → One Member One EPF Account (Transfer Request). Pick the old member ID to transfer from, verify the details, and submit — this generates a digital Form 13 request that is routed to either your old or new employer for approval, whichever you designate as the authorising employer.
3. 3. Get employer approval and track the request — The designated employer approves the request in their EPFO employer portal. Track the status with the tracking ID emailed to you — most transfers complete within a few weeks once both employers have approved and KYC matches on both member IDs.
4. 4. Confirm the merge — one UAN, one continuous service record — Once transferred, the old member ID's balance and service history merge into the current one under the same UAN. This continuity matters for two thresholds: 10 years of service unlocks EPS (pension) eligibility, and 5 continuous years makes withdrawal tax-free — a break in service (withdrawing instead of transferring) can reset both.
5. 5. Add the rolled-over EPF balance as an asset in WealthJot — Once the transfer confirms, update your EPF balance in WealthJot's net-worth tracker so it reflects the merged total under one account rather than two stale entries. Track it alongside your other retirement assets to see it compound into your FIRE number.