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EPFO Account Me KYC Update Aur Nominee Kaise Add Karein? (Step by Step Full Guide)

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EPFO UAN Guide: KYC, Nominee, Passbook Ki Poori Jaankari (A-Z)

Apne PF Account Ke Maalik Banein! Step-by-Step Process Jisse Aapka Paisa Rahega Secure.

An infographic showing the three main functions of EPFO: KYC Update, Nominee Addition, and Passbook Checking

Dosto, Provident Fund (PF) aapki saalon ki mehnat ki kamayi hai. Lekin kya aap jaante hain ki sirf paisa jama karna kaafi nahi hai? Apne PF account ko poori tarah se control karne aur apne paise ko surakshit rakhne ke liye 3 cheezein sabse zaroori hain: **KYC Update, Nominee Add karna, aur Passbook Padhna.**

Bahut se log in zaroori kaamon ko taal dete hain, jisse unhein baad mein PF nikalne ya transfer karne mein bahut pareshani hoti hai. Lekin ab jhanjhat khatm! Is "dhamakedaar" guide mein hum aapko in teeno kaamon ka poora process itne aasaan tarike se batayenge ki aap aaj hi apne PF account ke asli maalik ban jayenge.

Is Ultimate PF Guide Mein Kya Hai?

💡 Pehle Samjhein: Yeh 3 Cheezein Zaroori Kyun Hain?

  • KYC Update: Iske bina aap na toh PF ka paisa nikaal sakte hain, na hi transfer kar sakte hain. KYC (Know Your Customer) se aapka account verify hota hai.
  • Nominee Add Karna: Bhagwan na kare, agar aapko kuch ho jaata hai, toh aapke PF ka poora paisa aapke nominee (parivaar ke sadasya) ko aasani se mil jaata hai. Iske bina unhein bahut chakkar kaatne padte hain.
  • Passbook Padhna: Yeh aapke PF account ka statement hai. Isse aapko pata chalta hai ki aapka aur aapki company ka kitna paisa kab jama ho raha hai aur uspar kitna byaaj mil raha hai.

✅ Part 1: How to - EPFO KYC Update (Step-by-Step)

KYC update karne ke liye aapke paas Aadhaar Card, PAN Card, aur Bank Account ki details honi chahiye.

  1. Step 1: EPFO Member e-SEWA portal par apne UAN aur Password se Login karein.
  2. Step 2: Upar menu mein 'Manage' par click karein aur dropdown se 'KYC' chunein.
  3. Step 3: Ab aapko Bank, PAN, aur Aadhaar add karne ka option dikhega. Jisko bhi update karna hai, uspar click karein.
  4. Step 4: Apni details (jaise Bank Account no., IFSC code, PAN number) bilkul sahi-sahi bharein aur 'Save' karein.
  5. Step 5: Aapki request 'KYC Pending for Approval' section mein chali jayegi. Ab aapki company (Employer) is request ko digitally approve karegi, jiske baad aapki KYC update ho jayegi.

👨‍👩‍👧‍👦 Part 2: How to Add Nominee (e-Nomination)

E-Nomination ke liye aapka Aadhaar UAN se link hona aur profile par photo upload hona zaroori hai.

  1. Step 1: UAN Portal par login karke 'Manage' tab mein jaayein aur 'E-Nomination' par click karein.
  2. Step 2: 'Family Declaration' mein 'Having Family?' par 'Yes' select karein.
  3. Step 3: 'Add Family Details' par click karke apne nominee (jaise patni, bachhe, ya maa-baap) ki details (Aadhaar, Naam, DOB, Address) bharein aur unka photo upload karein.
  4. Step 4: Ab 'EPF Nomination' section mein un nominees ko chunein jinhe aap PF ka paisa dena chahte hain aur total share (hissa) 100% set karein.
  5. Step 5: 'Save EPF Nomination' par click karein aur phir 'e-Sign' par click karke Aadhaar OTP se ise verify karein. Aapka e-Nomination successfully file ho jayega.

📖 Part 3: How to - PF Passbook Padhna Seekhein

Passbook dekhne ke liye aapko EPFO Passbook Portal par jaana hoga, jiska link alag hai.

Passbook Mein 3 Main Columns Hote Hain:

  • Employee Share: Yeh woh paisa hai jo har mahine aapki salary se katkar jama hota hai (Basic+DA ka 12%).
  • Employer Share: Yeh woh paisa hai jo aapki company har mahine aapke account mein jama karti hai (3.67%).
  • Pension Contribution: Yeh paisa bhi company hi jama karti hai (8.33%), jo aapko retirement ke baad pension ke roop mein milta hai.

Passbook Kaise Dekhein?

EPFO Passbook Portal par apne UAN aur Password se login karein. Yahan aap apni Member ID select karke apni passbook dekh bhi sakte hain aur download bhi kar sakte hain.

❓ Aapke Sawaal, Hamare Jawaab (FAQs)

Q1: Meri KYC 'Pending with Employer for Digital Signing' dikha rahi hai. Kya karun?

Iska matlab hai aapne apni request daal di hai, ab aapki company ka HR/Accounts department use approve karega. Agar zyada din ho gaye hain, toh unhein yaad dilayein.

Q2: Kya main ek se zyada nominee add kar सकता hoon?

Haan, bilkul. Aap ek se zyada nominee add kar sakte hain aur yeh bhi tay kar sakte hain ki kis nominee ko kitne pratishat (%) hissa milega. Total share 100% hona chahiye.

Q3: Mere PF passbook mein paisa cutne ke kitne din baad dikhta hai?

Aam taur par, aapki salary se PF cutne ke baad, company jab ECR (Electronic Challan cum Return) file karti hai, uske 3 se 5 working days ke andar paisa aapki passbook mein reflect ho jaata hai.

Q4: Agar mere Aadhaar ya PAN mein naam galat hai toh KYC kaise hogi?

KYC ke liye aapka naam aur DOB EPFO records, Aadhaar, aur PAN, teeno mein bilkul same hona chahiye. Agar fark hai, toh pehle aapko apne Aadhaar/PAN mein details theek karwani hogi, ya phir employer ke through 'Joint Declaration Form' bharkar PF records mein sudhaar karwana hoga.

Conclusion: Apne PF Par Poora Control Paayein!

Toh dosto, in teeno kaamon (KYC, Nominee, Passbook) ko poora karke aap apne PF account par poora control pa sakte hain. Yeh process ab bahut aasaan ho gaya hai aur ismein 30 minute se zyada nahi lagte. Aaj hi apne UAN portal par login karein aur in steps ko poora karein.

Kya aapne apni KYC aur e-Nomination poori kar li hai? Apna experience hamare saath comments mein share karein!

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