PF Claim Rejected Due to Bank Account Mismatch – How to Fix It
Many EPFO members face PF claim rejection due to a bank account mismatch. This issue usually appears after submitting a withdrawal or transfer claim and can delay the settlement even when all other details seem correct.
In this guide, you will understand what bank account mismatch really means, why it happens, and the exact steps to fix it safely.
What Does Bank Account Mismatch Mean in PF Claim?
A bank account mismatch means that the bank details linked in your EPFO account do not exactly match the details in your bank records.
Even small differences like name format, wrong IFSC code, or an inactive account can lead to PF claim rejection.
Common Reasons for PF Claim Rejection Due to Bank Mismatch
- Incorrect bank account number entered in EPFO
- Name in EPFO does not match bank account name
- Wrong IFSC code linked
- Inactive or closed bank account
- KYC not approved by employer
If your claim is still pending, you may also want to understand what it means when PF claim is under process and will be settled shortly .
How to Check Bank Details Linked with EPFO
Before making any correction, verify these three things carefully:
- Bank account number shown in EPFO KYC section
- IFSC code entered
- Name format as per bank passbook
All details must match exactly with your bank records.
Step-by-Step: How to Fix Bank Account Mismatch in EPFO
Follow these steps in order:
- Log in to EPFO member portal and open the KYC section
- Delete incorrect bank details if allowed
- Add correct bank account number and IFSC code
- Ensure your name matches the bank passbook exactly
- Submit KYC for employer approval
- Wait until status shows Approved
- Only after approval, submit a fresh PF claim
Do not submit repeated claims before correction is approved — it only delays processing further.
When Online Correction Fails: What to Do Next
In some cases, online KYC update does not work — especially when:
- Bank name has changed due to merger
- Name mismatch is major (not just initials)
- Old account details are locked in EPFO records
In such situations, the safest solution is:
- Get a bank verification letter from your branch confirming correct details
- Submit correction request through your employer
- EPFO office updates the record manually
This offline route takes time but solves stubborn mismatch cases permanently.
Important Things to Remember
- Bank mismatch is common and completely fixable
- Always verify bank details before submitting PF claim
- Use only an active bank account linked with Aadhaar
Before You Go
If your PF claim is delayed even after fixing bank details, you may also want to check:
EPFO Nomination Not Completed – How to Fix the Error
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.
