Nowhere in any Act it is stated that after marriage a woman should have surname of her husband. Then why do you do all these bluders? When we are heading towards an era where the women should have status equal to men, why should you change the name after marriage? I thought this is a common understanding only with illiterate women and I have seen casual workers giving the name in the employment slips with husbands name as surname. When I ask them whether they have changed the name after publishing the same in the gazette, they say NO.
My sincere advice is that you cannot change your name without publishing the same in the gazette. You can give any name in the adhar and also in the bank account. But the EPF records is a life long record and in that basically the name should be as per your birth certificate or school leaving certificate. Tomorrow when you want to withdraw the PF, you cannot do it if your names mismatch.
I believe that the name as per EPFO is the name as per your birth certificate and school certificate. Let it be like that. You should now change the name in the adhar by visiting the adhar facilitation centre and by producing the school leaving certificate. Similarly you should also change the name in the bank records. You can also change your name in the EPF by submitting a joint declaration duly signed by you and the employer. But without changing the name in the school leaving certificate and birth certificates which are the basic documents in support of your age, changing the EPF records is useless and you should not do that. This is because it will create a lot of issues in future. At the same time, you can change the name in the adhar very easily.