How To Make e-Nomination In EPF Account Online?

If you are the holder of an Employees' Provident Fund (EPF) account, it is necessary to nominate someone to your account so that the claimant can conveniently claim the money in the incident of your demise. It is necessary to make sure that your nominees are readily able to claim your EPF corpus. If you don't have any nominee name listed in EPF or if you have an inaccurate individual name in EPF, in case of your demise, it's going to be a huge nightmare while claiming the funds in the future. The Employees' Provident Fund Organisation (EPFO) confirmed in a memorandum dated 12 September 2019 that it had opened an e-nomination service. This service can be reached from the Member Sewa Portal of the EPFO. There are also conditions that must be met to take advantage of this service.

Prerequisites to consider while making e-nomination in your EPF account

As per the guideline, those EPF account holders whose Aadhaar number is linked to their EPF account and authenticated on the member's sewa portal can use this service. You can verify whether your EPF account is linked to Aadhaar or not using the EPFO Member Sewa Portal. Log-in to your EPF account and select the 'KYC' option under the 'Manage' section for this. Bear in mind that you must activate your UAN (Universal Account Number) on the portal to use the sewa portal. You must also have your photograph displayed on the same portal. Navigating the 'Profile' option under the 'View' tab you can upload your photograph in case you have not uploaded. Follow the guidelines below before uploading your photograph.

• Your photograph must have been taken with a digital camera
• Your photograph must have a size limit of 3.5 cm x 4.5 cm
• With both ears noticeable, the photograph should have your face clearly visible in 80% of the photo.
• Your photograph must be in jpeg or jpg or png format.
• Click the preview icon and select on the 'Upload Photograph' option to upload your photograph.
• In addition, on the member sewa portal, all the personal details such as address, mobile number must be registered. Under the 'Profile' tab, you can check your personal specifics.

Steps to update nominee online in EPF account

Step 1: Visit https://unifiedportal-mem.epfindia.gov.in/memberinterface/ and login to your EPF account using UAN number and password.

Step 2: Under the 'Manage' tab select the 'e-nomination' option in order to make a nomination.

Step 3: Now you will be redirected to a new page where you will get a pop-up message asking 'Having Family?' You will be asked to answer this through this Yes or NO. You will be asked to specify the specifics of your nominee if you selected the 'Yes' option. And for the same you need to enter the following details of the family member whom you are going to nominate: Aadhaar, Name, Date of birth, Gender, Relation, Address, Bank account details (Optional), Guardian and Photo (not exceeding 100 KB).

Step 4: If you want to add more than one applicant, you can add details of more than one family member by clicking the option 'Add row'.

Step 5: If you have chosen 'No', then you will be required to specify the total amount of contribution you want to grant to the person you are nominating along with the above specifics.

Step 6: Now click on the 'Save Family Details' option. For your EPF account, specify the family member you want to nominate and the amount of the share you want to grant him or her. If you have more than one nominee in your EPF account, make sure that the cumulative amount of the nominees' share is up to 100%.

Step 7: Now click on 'Save EPF Nomination'

Step 8: Details of EPF nominations will be saved effectively. Likewise, you will also be asked to make an EPS (Employee Pension Scheme) nomination. As mentioned above, you will be asked to enter similar details. Note, you can render different EPF and EPS nominations.

Step 9: Go to the 'e-nomination' option under the 'Manage' tab once the details are saved successfully. The nominee details that you have saved will be displayed as a pending nomination to you. To complete the process, you are required to 'e-sign' the nomination made by you. If you want to see the specifics of your nomination, click on the 'View' button.

Step 10: Now you will be redirected to a new page where you need to enter your virtual ID of your Aadhaar. Once you entered the virtual ID of Aadhaar and click on 'Verify'

Step 11: You will be required to choose the tick box again to give your approval to Aadhaar's e-KYC services.

Step 12: Now enter your Aadhaar or Virtual ID again and click on 'Get OTP'. You will get an OTP on your Aadhaar-linked mobile number.

Step 13: Enter the OTP on the required space to authenticate it and click on 'Submit'

Step 14: Once the OTP has successfully verified the specifics of your nominee will be saved in the database of EPFO. Under the 'Manage' tab, you can verify the nomination specifics under the 'e-nomination' option.

EPF-EPS nomination rules

Almost all the privileges of an EPFO member's account will be applied, if any, to his/her spouse and children after making the nomination. This also covers the Employees' Pension Scheme (EPS). The statute permits only family members to be nominated for certain benefits as nominees. According to the scheme, the family may be your spouse, children, dependent parents if you are male. It may be a husband, children, dependent parents, dependent in-law wife and children of the deceased son for a female. Given that the individual can, at his convenience, nominate some other person to be a guardian of the minor applicant if there is no major individual in his or her family. If the individual has not nominated one, then upon his/her death, the cumulative corpus of EPF account will be allocated equally among all the family members. If the individual is unmarried, then dependent parents will be granted the same. The nomination or its alteration shall take place to the degree that it is effective on the day on which the Administrator receives it.