PF Claim Rejected Due to Bank Account Details – Common Reasons and Fix
If your PF claim is rejected due to bank account details, it can be stressful — especially when you urgently need the money. This is one of the most common EPFO rejection reasons, and in most cases, it is completely fixable.
This guide explains why PF claims fail because of bank issues and how to correct them properly.
What Does Bank Account Rejection Mean in PF Claim?
It means the bank details linked to your EPFO account do not exactly match your bank’s records.
Since PF settlement is done electronically, even a small mismatch can lead to claim rejection.
Common Bank-Related Reasons for PF Claim Rejection
- Incorrect bank account number
- Wrong IFSC code
- Inactive or closed bank account
- Name mismatch between EPFO and bank
- Bank KYC not approved
- Joint or non-individual account added
How to Check Bank Account Details in EPFO
Before submitting a PF claim, always verify:
- Bank account number is correct
- IFSC code matches your branch
- Account is in your own name
- Account is active
Cross-check using your bank passbook or official bank statement.
How to Fix Bank Account Issues in EPFO (Correct Way)
Follow these steps:
- Login to EPFO Member Portal
- Go to Manage → KYC
- Update correct bank account & IFSC
- Submit for employer approval
- Wait until status shows Verified
- Only then submit a fresh PF claim
When Online Bank Update Fails – Joint Declaration Form
If your bank correction request keeps getting rejected even after entering correct details, you must use the Joint Declaration Form (JDF).
This form must be:
- Filled by you
- Signed by your employer
- Submitted to EPFO for manual correction
Serious mismatches cannot be solved online — JDF is the only permanent fix.
How Long Does Correction and Processing Take?
- Online bank updates: 3–7 working days
- Employer approval: up to 10 days
- JDF correction: 2–4 weeks
Always wait until bank KYC shows as verified before reapplying.
Important Tips to Avoid Bank-Related PF Claim Rejection
- Use only an active savings account
- Avoid joint accounts
- Double-check IFSC every time
- Never submit repeated claims without fixing errors
Related Reading
After fixing bank details, also ensure your name matches everywhere:
Disclaimer
This article is for informational purposes only. We are not affiliated with EPFO or any government authority. For official confirmation, always refer to the EPFO member portal.
