r/epfoindia

May 4th raised claim to withdraw PF due to unemployment.

May 13 status says claim rejected but no reason shown.

Can anyone tell where to check the reason?

Basically my prev org deducted EPS since I joined mid month and they assumed that my base/salary is less than 15000 and hence I am eligible for eps.

THEY CONTINUED DEDUCTING EPS FOR 4.3years.

So when I switched company and wanted to shift my of amount to new of acct, my claims were rejected saying

That I am not eligible for EPS member coz salary is more than 15k and doj is after 2014.

Had to do a lot of back and forth, grievances, rejections, letters from prev employer signed by me stating that I would not claim eps and all that tussle for close to a year.

But the eps amount is lost, I don't see that amount being transferred, how can I get that amount?

Also, the new company that I switched to continues deducting EPS, which I want to stop coz I do not want to do the same dance after my next switch.

Can you help me with the apt procedure to stop this?

Tldr: I am not eligible for EPS but it is getting deducted in my current org coz it was getting deducted in my prev org(which they did by mistake and explained it in a signed letter, uploading which allowed me to transfer my of amount across pf account)

Hey All,
I raised my claim on 5 May, status changed to claim settled on 11 May however i did not receive any message or confirmation just randomly checked on the App.
Now I have not received any message on how much amount i'll be receiving so again tried to check on their broken app & website in my passbook where my balance has been updated and is reduced but amount has not been credited yet to my account.
Yet again, no message or confirmation received.
What do I do? Wait or it can be r

Can I withdraw full EPS contribution after 8yrs of service, not EPF?

If yes, and I withdraw EPS now, will my next employer have to contribute to eps or can it be skipped, given my next employer's salary is greater than 15000 per month?

My intent is to discontinue EPS in the future, which I was subscribed to because of my starting lower salary.

Is there any way to connect with EPFO Customer Support?

Means, I'm looking any active number or email where I can get assistance regarding my EPFO query.

Please don't refer me grievance portal. Literally, it's shit.

Never seen such shitty government officials. Apna paisa nikaalne mein… transfer karwane mein its been 9 months now. How stupid these ppl can be.

Most people who change jobs lose a part of their salary every month.

Not to tax. Not to inflation.

To their own PF account just sitting forgotten with a company they no longer work for.

Here's what you actually need to do with it

When you leave a job, your PF account doesn't close. You have exactly 2 choices:

- Withdraw the full amount
- Transfer it to your new employer

Each has consequences. Let's break them down.

Option 1: Withdraw
Full withdrawal is possible BUT only after 2 months of unemployment.

Meaning if you've already joined a new company, you can't withdraw. The EPFO won't allow it.

Also: tax is deducted if you've completed less than 5 years of total service.

Most people don't know either of these things until it's too late

Option 2: Transfer (the right move)
If you're joining a new employer, transfer don't withdraw.

Here's why:
Your EPF earns 8.25% interest, compounding annually. Withdrawing resets your service count.

Keeping it going means more tax-free corpus at retirement.

Transfer via Form 13 on the EPFO portal.

The process (step-by-step)

How to withdraw online- no office visits needed:
→ Go to Epfo Member Home Portal
→ Login with UAN + password
→ Online Services
→ Claim (Form 19/10C/31) for withdrawal or One Member One EPF Account / Transfer Request Form 13 for transfer
→ Verify bank account linked to UAN
→ Submit

Processing time: 7 to 15 working days Amount hits your bank directly

Straightforward, IF your KYC is clean.

99% of claim rejections come down to ONE thing:

KYC mismatch.

- Your name/DOB on EPFO doesn't match your
- Aadhaar. Your bank account isn't linked to your UAN.
- Your previous employer hasn't updated your exit date.

Fix these BEFORE you apply. Not after.

Documents checklist

What you'll need ready:
Aadhaar (linked to UAN)
PAN (for tax deduction)
Cancelled cheque or bank passbook
Exit/separation letter (sometimes asked)

If your UAN isn't activated yet, do that first on the EPFO website.

PF should be the simplest financial thing you manage.

For a lot of people, it's become the most frustrating.

Save this post if you've changed jobs in the last 2 years.

Your PF is earning interest right now in an account you may not even be tracking.

Follow for more on EPF, EPFO claims and practical money moves.

Hey all!

I'm 35M

My current EPF holdings is 21L. Current contribution to EPF is 52K/month (26K employee+26K employer). With some hike in salary expected this month, this may become 60K/month.

Somehow company now gave option to choose between fixed (1800) vs 12% because of the new Govt changes on basic pay.

Would love to get perspective from members on what's the best option here considering taxes for my contribution threshold, withdrawal possibilities during later years.

I currently don't have the need to withdraw and content with the interest rate for what is assumed to be a "safe" investment but always skeptical about Government holding big value. What do?!

I raised an online PF transfer request back in 2022. Due to an incorrect EPS contribution issue in the destination PF account, the amount got deducted from the source account but was never credited to the destination PF account.

It has now been more than 4 years.

During this period, I have made multiple visits to both the source and destination EPFO offices and filed several grievances, but there has been no proper resolution. Eventually, I was informed that the source office first needs to “re-credit” the deducted amount and then re-initiate the transfer process.

About 3 months ago, I personally discussed the issue with a case officer at the source EPFO office. He mentioned that the re-credit process involves manual effort and should take a maximum of one month for the corrected amount to reflect in the destination account.

However, apart from a simple request form submitted as advised by the officer, I was not given any acknowledgement number, tracking reference, or official communication. Since then, I have been checking the EPFO portal regularly, but absolutely nothing has changed.

Honestly, this entire experience has been extremely frustrating. This is our hard-earned money, and if people have to struggle for years just to access or correct their own PF funds, it really shakes confidence in the system.

Has anyone here faced a similar issue?

Is there any escalation path that actually works in such cases?

Hey everyone,

​A close friend of mine is about to start a new job, but during the Offer release process, they realized the company does not deduct PF.

​My friend is a bit confused (and honestly, so am I). On one hand, the take-home pay looks higher, but we’re worried about the long-term implications. A few specific questions for the experts here:

​Is this legal? I thought PF was mandatory for all companies in India once they hit a certain headcount (The Headcount is currently under 50 I think)

​Is this a red flag? Does a company skipping PF usually mean they are cutting corners elsewhere (like insurance or taxes)?

​Is it actually "good"? Is there any scenario where having more cash upfront is better than the employer's matching contribution and the tax-free interest?

​Has anyone else worked for a "non-PF" company? How did it turn out for you?

I raised a claim for PF withdrawal on 1st May. It was showing 'under process' till yesterday, but yesterday night it started showing 'claim settled' on the Umang App. However, the money is still not reflected in my account. What could be the reason? Is this a normal thing, or will it take some hours or a day to reflect?

My friend's father passed away 7 weeks ago. His mother is listed as the nominee on his EPF account. When we filed Form 20 for the death claim, EPFO rejected it citing a name mismatch — the EPF records have her name as "Sunita Sharma" but her Aadhaar card says "Sunita Devi Sharma."

The difference is literally one word — "Devi" — which was probably just left out when the EPF records were originally entered years ago.

We have been going back and forth with the EPFO regional office in Bengaluru for 7 weeks. First they told us to submit an affidavit explaining the name is the same person. We did that. Then they said the affidavit needs to be notarized. We got it notarized. Now they are saying it needs to be attested by a Gazetted Officer AND submitted with supporting documents showing both names belong to the same person.

My friend's mother is 58 years old, has never worked, has no income, and this EPF money is what the family was counting on. Every week of delay is causing them real hardship.

From what I understand this "Devi" variation is extremely common in Indian names especially in older women — but I can't find anywhere that tells us exactly what the correct process is to resolve it when the member is already deceased and can't correct the records themselves.

Has anyone actually resolved an EPFO name mismatch after the member's death?

What exact documents finally made EPFO accept the claim? Did you need anything beyond the notarized affidavit?

Is there a specific EPFO circular that says minor name variations with adequate proof should be accepted? If yes, has anyone successfully used it?

And if the regional office keeps stalling — is escalating to EPFiGMS (the grievance portal) actually useful or just another place to get "under process" responses?

We are running out of patience and the family is running out of time.