PensionBox BlogsDifference between EPF and UAN number

Difference between EPF and UAN number

05 Sep 2026 • 2 min read

Written By

Pranat Modi

PensionBox

What is an EPF number?

EPF number is an alphanumeric number issued by the EPFO to each employee that denotes your current employment, including the details like state, establishment, regional office, and the code for EPF number. EPF number is employee-unique, which changes soon after the employment changes. EPF account is operated by your employer, while you may retrieve your EPF number mentioned on the pay slip.

What is a UAN number?

UAN or Universal Account Number is a number containing all the details of IDs of the employee dealt by EPFO. This number is allotted through its website.

What is the difference between UAN and EPF numbers?

UAN number is unlike the ambiguity of EPF number, UAN number remains the same throughout the employee's life span. However, the EPF number keeps on changing as the employement changes. Employees are granted a single UAN number in their lifetime but they may have multiple EPF numbers.

Another difference between the two numbers is that, UAN number helps you track all your EPF transactions, but EPF number allows you only to track details of the accounts linked to your number. The same is true for withdrawals from the linked accounts.

In short, the transactions through UAN are much easier than that from EPF.

How can PensionBox help you in maintaining your numbers?

PensionBox is a powerful, cloud-based platform that enables the best AI utility, also being highly secure, scalable, and user-friendly. The status of your funds towards EPF can be effortlessly tracked through the app. Your retirement savings and calculations of how much would you need to fulfill your dream retirement can also be done in no time!

Tracking PF becomes easier with PensionBox. Sign Up and download the app on Android and on IOS

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Frequently asked questions

What is PensionBox and how does it work?

PensionBox is India’s first pension platform/app that helps you access, invest in, and track your NPS and other pension products with better user experience & minimum charges.

PensionBox simplifies the National Pension System(NPS), the government's pension scheme for private employees both for retail users and HRs/companies.

If you don’t have an NPS account, you can simply open your pension account within 2 minutes and if you have NPS PRAN already, you will be able track, invest and manage everything free of charge with best user experience.

Is PensionBox compliant and regulated?

Absolutely. PensionBox is fully ISO 27001 compliant with the Pension Fund Regulatory and Development Authority (PFRDA), the government body that regulates pensions in India.

We never touch or hold your money directly, your investments go safely to your chosen pension fund through approved channels.

We are built with Zerodha as POP , ensuring transparency, data security, and peace of mind. Your retirement savings are protected by regulation and secured by technology.

Why should I invest in NPS through PensionBox instead of directly or via another app?

Banks/POPs charges high fees on account opening & every investment Even CRA apps have hidden charges/low transparency & lack timely support Pension Funds restrict pension fund choice & selection to themselves.

That’s why, PensionBox brings transparency, zero charges, timely support and freedom to select any pension fund so that you get the best experience investing in NPS & be better future ready.

That’s not it, we help you & your company together to maximise contribution and tax savings with minimal charges & best user experience.

How do I start using PensionBox, and what do I need to get started?

It’s super easy to use PensionBox, just start by signing up using your browser on laptop/mobile or downloading the app on appstore or playstore.

If you are an existing zerodha user then you get a fast login or sign up using kite ID.

Once you are onboarded with kite ID, you get free access to

Open NPS in 2 minutes
Track existing NPS
POP shift or CRA shifting
Invest in one time or create SIP in NPS
Withdraw NPS requests & instant withdraw tier 2
Create your dream retirement plan
Open NPS Vatsalya for your kid
Share with HR (To unlock more tax benefits)

What are the tax benefits on PensionBox?

Tax Benefits in New Tax Regime

Employer Contribution:
- Contributions made by your employer to your NPS account are tax-free up to 14% of your basic salary under Section 80CCD(2). Do connect us with your HR to enable this for you.
Tax Benefits in Old Tax Regime
Self-Contribution:
- Deduction up to ₹1.5 lakh under Section 80C.
- Additional deduction of ₹50,000 under Section 80CCD(1B) — exclusive to NPS investments!
- This allows you to claim a total deduction of up to ₹2 lakh every year on your NPS contributions.
Employer Contribution:
- Contributions made by your employer to your NPS account are tax-free up to 10% of your basic salary (Basic + DA) under Section 80CCD(2). Do connect us with your HR to enable this for you.
- This is over and above your personal deduction limits, giving you extra tax efficiency.

Have more questions? Book a free call with us

We understand NPS can be confusing, complex and there is a lot of information out there to believe in. Don’t worry, our team is here to help you with the right information.

Feel free to book a free call to learn more about NPS, NPS Vatsalya, Corporate NPS & PensionBox or contact the support team.