Job Switch & EPF: Don't Lose Your Savings! Understand Transfers & Avoid Common Pitfalls

• Changing jobs doesn't mean losing EPF; balance stays under UAN, requiring linking to new employer's member ID and transfer.
• Multiple UANs, identity mismatches, or incomplete KYC (Aadhaar, PAN, bank details) are common hurdles for EPF transfers.
• EPFO recommends transferring PF accounts via Form 13 for service continuity, not withdrawal, when changing employment.
• A major blocker for online transfers is the previous employer failing to update the "date of exit" in EPFO records.
• Even with correct details, EPF transfers can be delayed by verification steps, employer approval, or jurisdictional differences.

Why It Matters: Manage your EPF proactively after a job switch by ensuring UAN continuity, correct KYC, and timely transfers.