Consolidating Your EPF Portfolio
When changing jobs in India, your employer creates a new Member ID under your existing Universal Account Number (UAN).
However, the money does not move automatically - you must initiate a formal online transfer.
The 3-Step Online Merger:
1. Log in to the EPFO Member e-Sewa Portal with your UAN and password.
2. Navigate to Online Services $\rightarrow$ One Member - One EPF Account (Transfer Request).
3. Choose your previous or present employer for attestation and submit with Aadhaar OTP.
The 5-Year Tax Exemption Rule
Withdrawing EPF before completing 5 years of continuous service makes the entire employer contribution and accumulated interest taxable retroactively.
When you merge Member IDs, the service duration of all past companies is combined, easily crossing the 5-year threshold!