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Only Verified KYC such as Aadhaar, PAN which are digitally approved will be considered for availing any services, says UAN EPF website. If you log in to UAN website with your UAN and password and you see PAN Unverified with a Verify button, as shown in the image below. This article talks about why does EPFO need PAN details, how to verify PAN at UAN website and see that the PAN verification status is updated. It also gives an overview of KYC for EPF. It also discusses about how for Mr Sumit Singh PAN Verification failed due to gender in PAN details and UAN mismatch.

There have been many cases where the PAN Verification has failed. After raising questions multiple times with EPFO through their Twitter channel, finally, we started a Change.org petition. If you could take a moment to sign the petition here we will appreciate it.

If you check your KYC, by clicking Manage->KYC, and check your Digitally Approved KYC, then in the Online Verification Status column the PAN would appear as Unverified, as shown in the image below.

PAN Unverified in KYC at UAN website

PAN Unverified in KYC at UAN website

Why does EPFO require PAN?

PAN is basically needed by EPFO for deducting tax if you have contributed less than 5 years in EPFO.

  • If the employee withdraws the EPF balance before completing 5 yrs of service, then EPF balance is taxable. For calculating the period of 5 yrs of service, it is not necessary that service should be continued with the same employer but it looks for total year of contribution to EPF.
  • TDS on EPF will be deducted if withdrawal is more than Rs 50,000. In Jun 2016 the limit was raised Rs 30,000 from Rs 50,000.
  • The rate of TDS: TDS will be deducted at 10 % provided PAN is submitted. Otherwise, TDS is deducted at the rate of 34.608 % if PAN is not submitted.

However, there are certain EXCEPTIONS to the deduction of TDS on EPF by EPF organisation.

  • TDS is deducted in case of transfer of PF from one account to another PF account
    In case where Form 15G or Form 15H are submitted by the employee, then TDS is not deducted. These Forms are to declare that their income would not be taxable after receiving the payment of accumulated PF balance. Form 15H is submitted by senior citizens (above 60yrs of age) and Form 15G is submitted by those who are below the age of 60 yrs.

For calculating the period of 5 yrs of service, it is not necessary that service should be continued with the same employer. He may have worked in different organisations. But whenever a person changes the job, he must get the PF balance in previous company transferred to new company PF Account.

Example: Let’s say If Shyam worked for a period of 4 yrs in XYZ and 2 yrs in ABC And at the time of changing the job, he has transferred the PF balance of XYZ ltd to ABC. Then the total period of service would be 6 yrs. So if he withdraws the accumulated PF balance, then it will not be taxable.

Our article EPF Withdrawal before 5 years,TDS,Form 15G,Tax and ITR explains it in detail.

How to Verify PAN at UAN website for employee

Note: Please try this on your desktop or Mobile in Desktop Mode preferably in Chrome.

Note: If your Aadhaar is not uploaded and the name is different in UAN and Aadhaar, please use Modify Basic Details to first make the modifications before you try to upload PAN as shown in the image below and explained in the article eKYC Portal of EPF Link UAN with Aadhaar without Employer

Modify Basic Details EPF

Modify Basic Details EPF

PAN already uploaded use Verify

If your employer has added the PAN then on Member Profile you will see the Verify button.

Go to your Main page by clicking Home in the Menu, and you would see the Verify button

PAN Unverified in the Member Profile of UAN website

PAN Unverified in the Member Profile of UAN website

click on Verify button in your Member Profile, you would see a message box saying Verifying.

Verify PAN at UAN

Verifying PAN at UAN

Then a window will pop up saying PAN Verification is successful, as shown in the image below.

PAN Verification successful at UAN website, Verify PAN

PAN Verification successful at UAN website

If you now check your KYC, by clicking Manage->KYC, then you will notice that Online Verification Status for PAN now shows Verified by ITD(or income tax department), as shown in the image below.

PAN Verified in Approved KYC

PAN Verified in Approved KYC

PAN not uploaded, upload PAN document in Manage KYC

If your employer has not uploaded PAN then when you upload PAN, Verification is done. Then your PAN Verification may Pass or Fail as shown in the image below.

Upload PAN and PAN mismatch failure

Upload PAN and PAN mismatch failure

Workarounds after PAN Verification Failure

The workarounds after PAN Verification Failure is to match your name, gender details in UAN site with that of Income Tax Department. 

MisMatch of Gender Details in UAN website and PAN

Mr Sumit Singh shared following on Twitter about the reason for the failure of PAN Verification. His Gender details in PAN did not match those in UAN database.

If you also failed to Verify PAN and found the reason and then successfully verified it please do share. It will help other readers?

PAN Verification failure due to Gender Mismatch

PAN Verification failure due to Gender Mismatch

If you look at PAN Card you will not be able to see the Gender. But if you log in to the income tax website and go to Profile->Pan Details you will the Gender as shown in the image below.

Gender Details in PAN

Gender Details in PAN

MisMatch of Name Details in UAN website and PAN

  • Get the Name, Gender updated in PAN
    • The online method for Correcting PAN
    • Offline method
      • To make corrections in the PAN offline, re-issuance or surrender, an individual needs to submit the PAN correction form with the nearest NSDL collection centre and also file a letter with the jurisdictional Assessing Officer.
      • Click here to download the form. The fields in this form are similar to the online form.
  • Get the Name, Gender Updated in UAN website.
    • Submit the Joint declaration. Changing the personal details in the EPF account should be done jointly by you and your employer. There is a prescribed format for this application. The sample form of the correction in EPF details is shown in the image below.
    • EPF Change details form

      EPF Change details form

  • If names and gender match and you cannot understand the reason then Submit the request through EPF grievance website. Our article How to register EPF complaint at EPF Grievance website online explains it in detail.

KYC and UAN

KYC means to know your customer.If you have your KYC details in your UAN and they are approved by your employer then dependency on the employer goes away. Then To withdraw or take a loan from EPF you can directly approach EPFO.  Our article Online EPF Withdrawal: How to do Full or Partial EPF Withdrawal Online explains it in detail.

After logging on to UAN Website(https://unifiedportal-mem.epfindia.gov.in/memberinterface/) you can click Manage->KYC  to see or add your details. You can add details like PAN, Aadhar, and Passport for KYC.   To add KYC you can upload the document and related information.

Minimum you should have following documents approved for KYC.

  • Bank Details
  • Aadhaar
  • PAN. Mandatory if you do withdrawal before 5 years of EPF contribution as TDS is deducted.

Add the details of the document, Document number, Name as per the document and details like Expiry date for passport, IFSC code for Bank. Click on Save

If document details don’t match then you will get errors.

If there is no error, then these documents appear in Pending KYC section. You have to wait for the employer to approve the KYC details.

After approval by your employer, these documents appear in Digitally Approved KYC as shown in the images above.

PAN Unverified in KYC at UAN website

PAN Unverified in KYC at UAN website

Petition at Change.org for Failure of PAN Verification amd others

For Many people who have KYC approved for PAN and Aadhaar are facing the problem of PAN verification failure. After asking EPFO on Twitter multiple times we started a Change.org petition asking following. If you could take a moment to sign the petition here we will appreciate it.

  • Is PAN Verification necessary if one has worked for more than 5 years.
  • How does PAN verification in UAN works?
  • Once the PAN Verification fails how does one find out why the PAN verification failed?
  • Once one knows the problem, how to get it verified?
Asking EPFO for reasons for PAN Verification failure

Asking EPFO for reasons for PAN Verification failure

Related Articles:

All About UAN or Universal Account Number of EPF

Why did EPF introduce an extra step of Verification, we don’t know, we have raised this question on twitter channel of epfo(twitter.com/socialepfo). Did PAN Verification fail or you were successful in verifying it? Please let us know by leaving a comment.

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