Employee benefits
How do I add or change a nominee in EPF?
Log in to the EPFO member portal with your UAN, go to Manage, then E-nomination, add your family details, choose your nominees and their shares adding up to 100%, save, and e-sign with your Aadhaar OTP. You need an Aadhaar-verified UAN and an Aadhaar-linked mobile number. Your nominee also receives your EDLI life cover, so this matters as much as the PF balance.
In short
- File it on the EPFO member portal: Manage, then E-nomination.
- You need an Aadhaar-verified UAN and linked mobile.
- Shares across nominees must add up to 100%.
- Your nominee also receives your EDLI life cover.
Step by step
| Step | What to do |
|---|---|
| 1 | Log in to the EPFO member portal with your UAN and password |
| 2 | Go to Manage, then E-nomination |
| 3 | Add or confirm your family details |
| 4 | Choose nominees and their shares, totalling 100% |
| 5 | Save the EPF nomination, then e-sign with your Aadhaar OTP |
To change a nomination, follow the same steps and file a new one; the latest e-signed nomination replaces the old.
Why does the EPF nomination matter so much?
Because it decides who receives your PF, your pension benefits and your EDLI life cover if you die in service. EDLI alone can pay up to ₹7 lakh. In 2023-24, EPFO’s own annual report recorded 29.4% of EDLI claims as rejected; a current nomination makes a family’s claim far simpler. Our page on EDLI explains the cover.
Who can be my nominee?
If you have a family, your nominees must come from it, such as your spouse, children or parents. You can name more than one. When your family changes, for example on marriage, file a fresh nomination.
Frequently asked questions
How do I add a nominee in EPF online?
On the EPFO member portal: Manage, then E-nomination; add family details, set shares to 100%, save and e-sign with your Aadhaar OTP.
Can I change my EPF nominee?
Yes, by filing a new e-nomination; the latest e-signed one replaces the old.
Does my EPF nominee get EDLI?
Yes. The nominee receives the EDLI life cover along with the PF and pension benefits.
What happens when you talk to us
A 20-minute video call with a Growth Advisor. No obligation, and no quote pushed. It opens with a five-minute video from our founder on how the benefits stack works and why Ethika exists; the rest is your questions. You’ll leave with an honest read on your current cover and claims experience, and a straight answer on whether we can genuinely help, even if you never become a client.
20 minutes with a Growth Advisor. No obligation.
A note on this page. Everything here is general information, not legal or financial advice, and nothing is an offer. EPF rules and portal steps are as published by EPFO at the review date and can change; check epfindia.gov.in before relying on them. For advice about your situation, talk to us.