Multiple UANs: A Silent Threat to Your Retirement Savings! Fix It Now

• Multiple Universal Account Numbers (UANs) can silently erode retirement savings due to job switches, HR errors, or incomplete exits.
• Issues include older EPF balances becoming inoperative and losing interest, delayed claim settlements, and fragmented service history affecting pension calculations.
• Check for multiple UANs via your EPF passbook using Aadhaar/mobile number or by monitoring SMS alerts for contributions.
• To fix, initiate an online EPF transfer request through the EPFO member portal from the old member ID to the latest active UAN.
• Consolidating UANs protects interest, preserves past service years for EPS eligibility, and prevents loss of service history from withdrawals.

Why It Matters: Consolidate multiple UANs promptly to protect your EPF interest, service history, and ensure a smooth retirement.