Changing jobs frequently does not result in the loss of Employees' Provident Fund (EPF) savings. The EPF balance is linked to a Universal Account Number (UAN) and can be transferred to a new employer's member ID. Common issues causing transfer delays include KYC problems such as unverified Aadhaar, PAN, or bank details, and discrepancies in personal information. While UAN is intended to be permanent, multiple UANs can arise from incorrect employer processes, leading to fragmented service history and withdrawal complications. EPFO guidance promotes account transfer via Form 13 to maintain continuity.