EPFO checks your bank details against your KYC record before releasing any payment. A wrong account number, an outdated IFSC after a bank merger, or an account not in your name is enough to trigger this rejection.
Any of these is enough to trigger a hold or outright rejection on your claim:
A single-digit typo when the account was first added to your UAN profile. ✓ Fixable via KYC update
Several Indian banks have merged branches in recent years, changing IFSC codes on existing accounts. ✓ Fixable — use current IFSC
EPFO requires the bank account to be in the member's own name — a family member's account will be rejected. ✓ Needs a new account in your name
Accounts with no activity for a long period are sometimes frozen by the bank, which blocks the credit. ✓ Reactivate with your bank first
A blurry or cropped upload where account number or IFSC isn't clearly readable. ✓ Re-upload a clear scan
Your name isn't the first holder listed, or doesn't match your KYC name exactly. ✓ Use a single-holder account
The exact sequence for this specific rejection reason.
It must clearly show your name, account number, and the bank's current IFSC — not an old or partially visible one.
If your branch has merged or been renamed, look up the current active IFSC before submitting — this is the most common cause of a repeat rejection.
Enter the corrected account number and IFSC, then upload the supporting document.
Your current or last employer must digitally approve the updated bank KYC — usually within 2–3 working days.
Once your KYC shows "Approved," refile Form-31/19/10C. The claim should proceed against the corrected bank details.
Safety note: NidhiSetu uses official EPFO routes only. Do not share your UAN password, Aadhaar OTP, bank OTP, ATM PIN, or net-banking login with any consultant. You can mask sensitive details before sending screenshots for review.
Send me a masked screenshot of your rejection notice and bank proof. I'll tell you exactly what needs correcting — for free.
Send your details here instead — I read every submission myself and reply within 24 hours.