How to Appoint a Nominee for Your EPF, Mutual Funds, and Bank Accounts Online
Appointing a nominee for your financial assets like Employee Provident Fund (EPF), mutual funds, and bank accounts ensures your investments and savings are securely passed on to your chosen beneficiaries. Thanks to digital advancements, you can complete nominee registration or updates easily online without physical paperwork. Below is a clear guide for each financial instrument:
Appointing a Nominee in EPF Online
Login to the EPFO Member Portal: Visit the official EPF portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/) and log in using your UAN (Universal Account Number), password, and captcha.
Go to Manage > E-Nomination: Under the 'Manage' tab, select 'E-Nomination' to start the nomination process.
Declare Family Status: Answer whether you have a family (spouse, children, parents). If yes, add family member details including Aadhaar number, name, date of birth, relation, bank details (optional), and upload photograph(s) of nominee(s).
Add Multiple Nominees: You can add multiple nominees by clicking ‘Add row’, allocating the percentage share for each nominee.
Save and E-Sign Nomination: Save the nomination details, then complete the process by e-signing using your Aadhaar-linked OTP. This registers your nomination officially with EPFO.
Download PDF: After approval, download the nomination form for your records and optionally submit a copy to your employer or keep it for future reference.
Important: Aadhaar linking with UAN and mobile number verification is mandatory for this online process.
Appointing a Nominee for Mutual Funds Online
Log in to your mutual fund account: Use the AMC’s website or platforms like CAMS, KFintech, or your investment app (e.g., Zerodha Coin, Groww, etc.) where your mutual funds are held.
Navigate to Nominee/Update Details Section: Under your account settings or profile, look for options for nominee registration or update.
Fill Nominee Details: Provide nominee name, relationship, date of birth, guardian details (if nominee is minor), and sometimes address and Aadhaar.
Submit and Verify: Submit the nomination form electronically or upload scanned signed forms as per AMC rules. Many platforms allow e-sign with Aadhaar OTP for verification.
Confirmation: You will get confirmation of nominee registration via email or SMS.
Mutual fund nomination is crucial to ensure redemption proceeds go to your nominee swiftly in the event of your demise.
Appointing a Nominee for Bank Accounts Online
Log in to Your Net Banking Portal: Access your bank’s internet banking website or app.
Go to Nominee Registration/Update: Look under profile settings, service requests, or personal details for nominee registration.
Fill Nominee Information: Enter nominee name, relationship, age, and sometimes address and ID details.
Confirm with OTP or E-Sign: Banks will verify your identity using OTP sent to your registered mobile number before accepting nomination.
Save and Acknowledge: Once submitted, keep proof of nomination confirmation for your records.
If online option is not available, nomination form can usually be submitted offline at the branch.
Frequently Asked Questions
Can I appoint more than one nominee for EPF?
Yes, EPF allows multiple nominees with share percentage allocation. All nominee details must be added with valid Aadhaar and photograph.
Is Aadhaar mandatory for EPF nomination online?
Yes, Aadhaar linking with UAN and mobile number is required for online e-nomination in EPF.
How long does it take for nominee registration to be effective?
For EPF, registration is immediate after e-sign and system update. Mutual funds and banks may vary but typically update within a few days.
Can I update or change my nominee later?
Yes, nominees can be updated or changed online for EPF, mutual funds, and bank accounts anytime as per the respective platforms’ procedures.
What if I don’t appoint a nominee?
In absence of nomination, the legal heirs must prove ownership or succession rights, often leading to delays and legal formalities during claim settlement.
Published on: July 27, 2025
Published by: PAVAN
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