How to Add a Nominee in EPF Account Online - A Simple Guide

How to Add a Nominee in EPF Account Online

Introduction

Adding a nominee to your Employee provident fund (PF) account ensures that your savings are transferred smoothly to your loved ones in the event of an unexpected incident. Employees can add and manage nominations online through the Employees' Provident Fund Organization (EPFO), which streamlines and clarifies the procedure. Following these easy steps, you may add a nominee to your EPF account.

This article covers How to Add a Nominee to an EPF Account Online

Why Adding a Nominee in Your PF Account is Important:

• Family Protection: If something happens to you, your chosen family member may claim your provident fund amount.
• Simple Access: It guarantees that the money is moved without any issues or delays.
• Online Convenience: You may easily add a nomination from the convenience of your home at any time.

How to Add a Nominee to Your PF Account Online: Step-by-Step Guide

Adding a designee to your Provident Fund( PF) account is a pivotal step to ensure your savings are secure and accessible to your family in case of unlooked-for circumstances. The Workers' Provident Fund Organisation( EPFO) has made the process simple and completely online. Follow this step-by-step guide to add a designee to your PF account through the EPFO Member portal. 

Step 1: Visit the EPFO Portal

• Open the official website of EPFO at https://www.epfindia.gov.in

• Click on the ‘Online Claim Members Account Transfer or KYC Updation (Member)’ 
• Redirect to EPFO Account Portal

Step 2: Log in Using UAN and Password

• Enter your Universal Account Number (UAN) and the registered password to log in.

• Enter your UAN, password, and captcha in the respective fields, then click the 'Sign In' button.

• Once signed in, you will receive an OTP on your registered mobile number

Step 3: Go to the 'E-Nomination' Section

• After logging in, navigate to the ‘Manage’ tab, and select ‘E-nomination’ from the drop-down menu.

Step 4: Add Nominee Information

• Click on the ‘Add Nominee’ option. Once click

• Then click the "proceed" button
• Fill in the field "Family Declaration: Having Family?  
   Yes  No"

• Here are the criteria for uploading the photo: Ensure it is a clear photo and resize it according to the specified size category below

• Fill out the nominee details like the nominee's name, relationship, gender, date of birth, and address.
• If you wish to add two nominees, such as Father and Mother, click 'Add Row' and fill in the details again

• Once you are updating the nominee details then click on " Save Family Details"

Step 5: Link Bank Details (Optional)

• You can link your nominee's bank account details (bank account number, IFSC code) for them to receive the funds easily.

Step 6: Submit and Authenticate

• Next, select the nominees and assign a percentage (ranging from 1 to 100) to share your PF with the nominees.

• After entering the details, click on ‘Save’.
• You will receive a One-Time Password (OTP) on your registered mobile number for verification.
• Enter the OTP to authenticate the details.

    

Step 7: Confirmation

• Once the submission is successful, you will receive a confirmation that your nominee details have been successfully added.

Frequently Asked Questions(FAQ)

1. How do I add a nominee online?

To add a nominee online to your EPF account, follow these steps:

• Log in to the EPFO portal using your UAN and password.
• Go to the ‘Manage’ tab and click on ‘E-nomination’.
• Add the nominee details such as name, relationship, gender, date of birth, and bank details (optional).
• Submit and authenticate the details using an OTP sent to your registered mobile number.

2. How can I nominate a beneficiary in EPF?

You can nominate a beneficiary in EPF by logging into the EPFO portal, accessing the ‘E-nomination’ section under ‘Manage’, and filling out the nominee's information. You can nominate one or more beneficiaries and allocate a percentage share (1 to 100) of your EPF balance.

3. Who is eligible for an EPF nominee?

Any individual who is a legal heir or family member can be nominated as a nominee in your EPF account. This could include your spouse, children, parents, or any other person whom you wish to designate.

4. Is it mandatory to add a nominee to an EPF account?

No, adding a designee to a PF account isn't obligatory, but it's largely recommended. Adding a designee ensures your PF  finances are fluently transferred to the due person without legal complications in case of your demise. However, the claim process for your family can be lengthy and bear fresh attestation to establish legal heirship, If no designee is added. 

5. Who is eligible for PF after death?

In the event of the account holder’s death, the following individualities are eligible to claim the Provident Fund, Pension, and Insurance benefits, depending on the circumstances

designee( s) If the member has added a designee, they're the first to be eligible for the benefits.
Legal heirs at law If no designee is specified, the immediate family( partner, children, or dependent parents) is eligible to claim the quantum after furnishing necessary evidence of the relationship.
Others In the absence of a designee or immediate family, extended family members may apply, subject to legal verification.

Conclusion:

Updating a nominee in your PF account is essential for the security and future financial protection of your loved ones. With EPFO's easy online process, adding a nominee to your Provident Fund account is now quick and efficient. Make sure to keep your nominee details up-to-date to avoid any future complications.

By following this simple guide, you can now easily add, manage, and update your PF nominee details online from the EPFO portal!