Withdrawal or Transfer of Employee Provident Fund

In our earlier post Basics of Employee Provident Fund: EPF, EPS, EDLIS we had talked about What is Employee Provident Fund(EPF), How is it Calculated, What is Employee Pension Scheme(EPS),  Employees Deposit Linked Insurance Scheme (EDLIS), what are the EPF interest rate, how much would one save in EPF,  about the annual statement sent my EPF office  and how one can find it out online. This post will focus on how to withdraw, transfer EPF account.

Withdrawal from EPF,EPS

Q: At the time of change of Job what happens to EPF? Can one withdraw the entire amount?
A: 
Yes, legally it is mandatory to transfer EPF Account at the time of job change. But, people generally don’t do it; instead of transferring, they withdraw the amount.

In case of EPS, if the service period is less than 10 years, you’ve option to either withdraw your corpus or get it transferred by obtaining a ‘Scheme Certificate’. Once, the service period crosses 10 years, the withdrawal option ceases.

Q: Are there in any tax implications, if I withdraw the EPF balance at the time of a Job change?
A:
 In case you are a member of recognized provident fund it depends on if contribution is over 5 years or not, including transfers from different companies.  For ex: an employee who has worked with X company for say 3 years, then he resigned from that organisation and joined Y company, wherein he worked for 2 years, then resigned from there to join establishment for 2 years but during these 7  years of service he has not withdrawn but transferred his Employee provident fund, then we say continuous service of 7 years.

If you withdraw before completing a period of 5 yearsthen all your previous years income gets recomputed as if the fund was unrecognized from the very beginning  (i.e., the tax benefits you received on your own contribution u/s 80C/88 in earlier years will get forfeited) and further the employer contribution and interest received will be added to your current income subject to relief under section 89. In other words Payment received by the individual in respect of the employer’s contribution along with the interest accrual thereon is taxed as “salary”. Interest on the employee’s contribution is taxable as “other income”. Payment received in respect of the employee’s own contribution is exempt from tax (to the extent not claimed as a deduction earlier).

I-T provisions provide that the trustees of a recognised PF or any person authorised by the regulations of the fund to make the payment of the accumulated balance to the employee should deduct tax at source(TDS) while paying the amount. Further, the person liable to deduct tax has to issue the certificate of tax deducted at source (Form 16) within the specified time frame to the employee depicting the details of taxes withheld from the accumulated PF balance and also comply with other salary-related compliance necessities. Ref:Taxguru.in: Withdrawal from Provident Fund (PF) Account before Completion of Five years taxable?(Mar 2012)

So the next time you think of withdrawing your PF, you must as an individual also assess whether the same is taxable or exempt. More such queries are also on onemint:Tax on Provident Fund Withdrawal(Mar 2011) or Taxguru.in: Withdrawal from Provident Fund (PF) Account before Completion of Five years taxable?(Mar 2012)

Tax on Provident Fund withdrawal before 5 years proposed in Budget 2015:

  1. TDS to be deducted by at the rate of 10% from the withdrawn amount.
  2. TDS will not be deducted if the withdrawal is less than Rs.30,000.
  3. Also, if the person gives declaration that he do not have any taxable income by filing Form 15G or Form 15 H, then also no Tax will be deducted.
  4. In case the PAN is not provided to the Provident Fund authorities than tax will be imposed at the maximum marginal rate which means tax rate applicable to highest slab tax payers, around 35 percent.
  5. Tax on Provident Fund withdrawal after 5 years of continuous service remains intact and no tax will be levied on the withdrawn amount.

Q. How can you withdraw the EPF?

Employee can withdraw from EPF by filling Form 19(pdf)  which is available with the HR department of his ex-employer or can download it from EPFI webpage of download forms. One can withdraw only after  a waiting period of two months after resigning. The rules are that an employee should not be in employment for two months after resigning if he has to withdraw his P.F amount. Form is submitted to the regional provident fund Commissioner office after which the employee receives his amount along with interest within a period of 90 days.

Q. Are Withdrawl of EPF and EPS related?(Ref:Citehr:2007)

No Eps and EPF are not linked . You can withdraw the PF once you leave the organization after filling Form 19. In case of EPS, if the service period is less than 10 years, you’ve option to either withdraw your corpus or get it transferred by obtaining a ‘Scheme Certificate’. Once, the service period crosses 10 years, the withdrawal option ceases .For pension, withdarwal benefit, scheme certificate etc. application should be through ex-employer. For pension, Form10D (pdf format) is to be used, Instructions to fill Form 10D. For withdrawal benefit & scheme certificate download Form 10C(pdf format) or one can download it from EPFI webpage of download forms. Instructions to fill Form 10C 

Q.Is it possible to commute pension fully or partly under EPS?
A: Commutation of Pension means payment of lump sum amount in lieu of a portion of pension surrendered voluntarily by the pensioner based on a duration of period in relation to the age. Earlier there was a provision under EPS allowing commuting of one third of monthly pension by paying 100 times the original monthly pension. However, the amended scheme w.e.f 26 Sep’ 2008 doesn’t allow it anymore. But if  interested in knowing about Commutation of Pension Government of Tamil Nadu Directorate of Pension webpage can be read.

Articles that might be helpful: Hub:How to withdraw your provident fund or PF in India?(2010)

Q: How do I know the status of my withdrawal application?
A: 
Visit webpage Claim Status on epfindia.com. Select the EPFO Office where your account was maintained and furnish your PF Account number. Document Know Your Claim Status (pdf format) lists the steps in detail with images at each step. Please be aware of the tax implications of withdrawal.

Transfer of EPF account

How to transfer EPF? 

Ideally, you should initiate the process of transferring your EPF balance as soon as you join your new organization and are allotted a new PF account number, which is an alphanumeric number.  Quoting from earlier post Basics of Employee Provident Fund: EPF, EPS, EDLIS PF format is :

EPFO Office Code/Establishment Code(Max. 7 Digits)/Extension(Max. 3 digits)/Employee Account Number (Max 7 digit)(Earlier it was EPFO Office Code(first two letters ),  Employer’s/Company code( 5 digits)/ Employee’s Account Number . In this case you can search the new Code at EPFI Establishment Information Search This is also available on 1st step mentioned above: Member Balance Information Search Your Establishment Code here..)

From Oct 2014 most of employees have been alloted Universal account number or UAN , a 12-digit number by the Employee Provident Fund  Organization(EPFO) which gives him control of his EPF account and minimises the role of employer. Earlier one only had a  Provident Fund (PF) account number which was associated with the employer. Change of job meant another Provident Fund number. It involved transferring from one account number to another.  Our article UAN or Universal Account Number and Registration of UAN explains it in detail.

Transfer of EPF  Online

In the EPF books of account, entry is under the name of employer. When ones take up a new job in the interim, he assume a new identity for the EPF office. Earlier A resigned employee who joins another company is left with an option of transferring the his previous PF account to the current PF account, by filling the Form 13(pdf).  Now with UAN number one can link various EPF accounts.

Universal Account Number (UAN) Member Portal (www.uanmembers.epfoservices.in) was launched in September 2014. This portal offers lot of facilities to employees or EPF members. But, EPF Online Transfer Claim is still not available. For time-being you have to submit online EPF Transfer claims through http://epfindia.com/Employee_OTCP.html or  Click on Online Transfer Claim link ar EPF website http://memberclaims.epfoservices.in/Online Transfer Claim Portal (OTCP), was launched  on Oct 2 2013,to ensure timely transfer of EPF account from one employer to another when an employee changes job. Our article Transfer EPF account online : OTCP explains it in detail.

Transfer of EPF  Through Form 13

  • When an employee joins a new company and he wishes to transfer his previous company provident fund amount, he should inform the HR department or Accounts department of the new company.
  • The employer will issue Form 13, in which the member has to fill the details of the previous company like – name, address, provident fund account number and address of the provident fund office where the account was held.
  • On Form 13, the signature of the previous employer is not required.
  • Once he fills the required details and submits it to the current employer, the current employer will forward it to the provident fund office for the transferring process. The new regional PF office then gets in touch with your previous regional PF office to effect the transfer.
  • The time taken for transferring the fund from one account to other account normally takes about 30-40 days from date of submission.

The process is  same even if you want to transfer your old PF account in the middle of your new job. epfindia.com Form 13 (pdf format)

What are Problems Faced in withdrawing /transferring EPF/EPS and the remedies when withdrawn using Form 13.(Ref:Business Gyan Apr 2009)

On many occasions, members face problems in withdrawing the provident fund monies. Some of the normal reasons for the problems and the solutions to overcome these are quoted here below:

Mismatch of Signature of the employer: Employer should inform the PF office through a formal letter authorizing the signature of the concerned authority. If the PF officer is still not convinced with this letter, a fresh application has to be submitted again.

Mismatch of Signature of the member :If the signature mismatches or they have changed their signature, they need to inform the provident fund office through their employer. If the PF officer is still not convinced with this letter, a fresh application has to be submitted again.

Mismatch of Provident Fund Account number of the member: If the PF Account number has been mentioned wrongly by the member, then the application will be returned back to the employer. The employee has to correct the details and get it counter-signed by the employer.If the PF Account number has been reported wrongly by the employer in their annual return, then it needs be corrected through a formal letter to the PF department explaining the problem and correcting the same.

Incorrect bank account details furnished by the member: The correct details with regard to account number, name of the bank, branch address, MICR code of the bank (MICR is a 9 digit number printed on the cheque leaf, next to the cheque number) have to be filled in again and re-submission required.

 Incorrect address given by member: The correct details have to be filled in again and re-submission required.

 Mismatch of date of joining / resignation: If the date of joining / resignation has been mentioned wrongly by the member, then the application will be returned back to the employer. The employee has to correct the details and get it counter-signed by the employer.

Communication from PF department while processing the request would not have reached the employer :The employer / employee needs to check with the PF office and find out the reason for not receiving the communication. If not traceable, then a request has to be made to the PF office for re-sending the communication.

Failure of employer to remit the PF amount recovered from members to PF Account: It is the duty of the employer to remit the PF monies (which are recovered from employees) to the authorised banks for the credit of PF department. It is a statutory violation if the recovered monies are not remitted on time.

If the employee comes to know that the employer has not remitted the PF monies that are recovered from him, then he can lodge a complaint to the PF office against the employer insisting for the recovery.

Member might have changed his / her official name and the same has not been informed to the provident fund office: If the employee has changed his / her name and the same has not been informed to the PF office, then the application will be rejected when the PF office compares the data with the returns being filed by the company. In such a situation, the concerned employee has to request through a formal letter informing about the change in name and also, attach the notification copy of the Gazette publication.

Change in Authorised Signatory of the employer when the application is in process: Sometimes, the authorized signatory would have been changed when the application is in process and it would lead to rejection of the application. In such a situation, the employer has to get the application re-signed by the concerned authorized signatory who is active at the appropriate period of time.

What if EPF is not transferred?(Ref:Livemint May 2010:Employee provident fund is for keeps, don’t withdraw it midway)

The good news is that even if you don’t transfer your previous balance, your previous accounts are live and accessible. You can withdraw or transfer the balance to your current PF account.

However, remembering your employer and your EPF number may not be easy. So, keep all EPF slips.  “After a considerable waiting period, EPFO (Employees’ Provident Fund Organisation) will transfer funds to an unclaimed deposit account. Your funds will not earn interest during that period but once you make a claim, the interest due is paid even for the period your fund was sitting in the unclaimed deposit account. But, according to procedure, to withdraw your money is quite cumbersome. A better strategy is to remember to transfer your account at the time of changing jobs.

A must read article Transfer of EPF Provident account Balance by Anup Mukherjee is about getting his wife Madhu’s EPF account transferred(2011) . Some great information

EPF withdrawal or Transfer Issue ?

Jagoinvestor article on RTI for EPF Withdrawl and Transfer issue (Mar 2012) talks about how one can file a RTI(Right to Information) if one is unclear about what your EPF status is or if one’s EPF transfer work has even started? Why did one’s EPF money still not credited in  bank account etc etc… You can ask all these questions and you should be getting the 100% right and clear answers within 30 days. The only point here is that you should be doing it the RIGHT way. The three steps to file are:

  1. Buying a Postal Order of Rs 10 from Post Office
  2. Drafting your RTI letter
  3. Sending the RTI letter by Registered Post or Speed Post

The article has details on each of the step, with sample letter ,filing RTI online, filing two RTI applications for Transfer of EPF. Note Before filing the RTI , a good idea would be to file a EPF grievance redressal form online

Should one withdraw or transfer EPF account?

With employer matching one’s contribution and a tax-free guaranteed return of 8.5%,EPS is attractive. If one contribute 12% of his basic plus dearness allowance every month (assuming you are 25 and earn Rs20,000 per month) to your EPF account and your employer matches the sum, by the time you retire, you would be able to save Rs1.38 crore, assuming the interest rate remains at 8.5% and you get a modest hike of 5% a year in your salary. As it is cut from salary before it is credited to our account, it becomes forced savings. We recommend you to transfer EPF account and not withdraw.Let Compounding, eighth wonder of world do it’s magic.

References:EPFO website, TaxGuru.in: FAQ on EPF, TheMoneyQuest: EPS EPF Facts you should know about.

Related Posts:

In this article we have tried to explain the process of withdrawing or transferring Employee Provident Fund(EPF), Employee Pension Scheme(EPS). We hope it was helpful. If there is an error, mistake, some information is missing please let us know. Did you withdraw or transfer your EPF account?  Please share your experience, it will benefit others.

212 Responses to Withdrawal or Transfer of Employee Provident Fund

  1. Venkat says:

    Hi,

    I have resigned from my previous company after working for 4 years.
    Currently working as freelancer.

    I know the consequences of withdrawing my PF money. I don’t have any immediate requirements to withdraw that money. So am I struck until I join a company or can I contribute myself to EPF account?

    I have UAN.

    What is the best possible way avoid my account get dormet.

    • bemoneyaware says:

      In EPF contribution can only be made by Employer. So you cannot contribute.
      For 3 years after your last contribution EPF will earn interest and then it becomes dormant.
      If you think you may join back in join you can postpone withdrawing from EPF.

  2. cairn says:

    I was working in a private company wherein the PF was contributed from my salery. I left the job and right now i am working with the State Government as a Public Servant wherein CPF is contributed presently.Is it legal to withdraw my EPF when i contribute to CPF presently?

    • cairn says:

      I was working in a private company wherein the PF was contributed from my salery. I left the job and right now i am working with the State Government as a Public Servant wherein CPF is contributed presently.Is it legal to withdraw my EPF when i contribute to CPF presently?

  3. Mano Rajitha says:

    Hi,

    I left a company X in November 2014 and now i am not working and planning to work again. I have applied for PF amount in March 2015. My PF forms were kept on hold due to new changes in the tax filing. I have been asked to fill 15G form so that tax will not be deducted.
    My questions are
    1) I have shares in my demat account and they have asked me to fill about share holdings in 15G form. The 15G form is complex and i don’t have my share details to fill in that form.
    2) Will the PF amount/account be dead as there is no contribution from last 7 months.
    3) Can i transfer the PF account to other employer if i join a new organization?
    Waiting for your reply and thank you in advance.

    • bemoneyaware says:

      Hello

      3. You can transfer your EPF to new employer. This is recommended also and would be easy.
      2. No after 3 years from last contribution EPF, not EPS part, earns interest. Only after 3 years it becomes dormat
      1. Yes form 15G is complex. We are working on the article on how to fill Form G
      0. If you withdraw before 5 years then there would be TDS at 10% and tax on withdrawal amount. The change was how much TDS had to be deducted

  4. Sabari R says:

    Sir,I was working company X for the past 5 years starting from May 2009 to Aug 2014 and after that i switched over to company Y.Here am working from Sep 2014 till date. Now if i withdraw my PF would i get EE+ER+EPS ? or the EPS will not be given ? also if i wish to withdraw all three components EE+ER+EPS would get transferred right..? How can i check the total accumulated amount that i have saved over the last 5 years? its just that EE and ER comes in the SMS reply .. Please clarify

    • bemoneyaware says:

      As you are working it would be theoretically not possible to withdraw EE+ER+EPS. One needs to be unemployed for 2 months to claim it.
      You would get EE+ER if you transfer online. EPS is currently not getting transferred.
      You can track the transfer application if made online and then you can see in your UAN passbook.
      Infact UAN passbook has all details of EE,ER and EPS

      • Sabari R says:

        Sir,From your previous comment seems like EPS will not get transferred to the New PF account while doing the transfer.How can i get back those amount which had been saved under EPS scheme in my previous company if there is no option to transfer my EPS amount at all ? Please clarify.I have a UAN no along with my new and old PF account numbers handy with me.

        • Kirti says:

          You can apply for withdrawal from EPS if your total number of years of contribution is less than 10 years. For withdrawal benefit & scheme certificate fill Form 10 C(pdf format) ans submit it to your ex employer

  5. BIJALI BANERJEE says:

    I was worked 9.5 years in a LTD CONCERN, I resigned at 2004 and withdraw my pf amount accordingly. Now I am age of 52, and not working anywhere, could I apply in PF PENSION scheme. My company is in liquidation.

    • bemoneyaware says:

      Sir when you say you withdrew your EPF did you withdraw money from EPS also or did you get scheme certificate for it?

  6. manish says:

    Hi,

    my question is – i want to transfer prev PF to my new PF account. The present employer has asked me to fill form 13 and submit 2 copies of it. Now will the EPS fund will also transfer or only EPF fund will get transferred ?

    Thx

  7. Raghu says:

    Hi,

    Myself Raghu, Previously I was worked with X company for a period of 2 years and Joined to Y company. I have transferred my previous PF amount to current PF account through online. However, Still PF transfer status showing as “Your request is in Transit between EPFO out and In Office”.

    Then I consulted with company HR regarding this issue and she suggested as ‘The form has been approved by the present employer on 14th Jan 2015. In this scenario, please raise a case in the PF site under grievances’.

    Could you please provide instruction to raise a ticket under grievances and also provide instructions for successful transfer of my PF amount.

    Regards
    Raghu

  8. Deepthi says:

    Hi,

    I’ve rejoined the same company; the time periods of employment happens to be ( Oct 2009 – july 16th 2010) and Aug 2 2010 to till date. I have applied for PF transfer of my first tenure when I rejoined the company, however my previous PF account is inactive state. Please let me know how to proceed on this. Just to add name is my previous payslip in my first tenure was mentioned as Deepthi ss , However now it is mentioned as SS Deepthi Sharma will that be a problem?
    Please help me on this and sorry if i posted a repetative question

  9. Jayasankar V N says:

    Hi,
    I was working in a private firm in Bangalore from 3/9/2012 to 1/3/2014. I resigned the job for higher studies, currently I am doing Ph.D. I have two doubts regarding PF.
    1) How do I withdraw PF amounts ? Can I submit the form online ?
    2) Is it okey if I keep the PF amount in that account until I get a new job after my studies ?

    • Kirti says:

      Hello Jayashankar

      Wow PH.d. Congrats and best of luck.
      1) You cannot withdraw EPF online as of now. You need to submit the form to your employer.
      2) yes for 3 years after last contribution to EPF your account will earn interest at around 8-9%.
      3. If you withdraw now as your total years of contribution is less than 5 years TDS will be deducted , you would have to pay tax on EPF withdrawal. If your income is less than basic exemption limit then to claim TDS as refund you would have to file income tax.
      If you can keep money in your PF account, when you join job after studies transfer the amount to your new account. Remember EPF is for your retirement.

  10. Nitin Gupta says:

    You can generate the EPF forms online at the website http://www.epfonline.in

  11. Deepthi says:

    Hi,

    I’ve rejoined the same company; the time periods of employment happens to be ( Oct 2009 – july 16th 2010) and Aug 2 2010 to till date. I have applied for PF transfer of my first tenure when I rejoined the company, however my previous PF account is inactive state. Please let me know how to proceed on this. Just to add name is my previous payslip in my first tenure was mentioned as Deepthi ss , However now it is mentioned as SS Deepthi Sharma will that be a problem?
    Please help me on this and sorry if i posted a repetative question

    • Kirti says:

      Hello Deepthi,

      You can transfer your PF account from the same employer. A friend of ours left company in 1999. He rejoined the company in 2014 and was able to transfer the EPF from 1999 PF account to current account.
      Process is the same. Approval will be faster as previous employer and current employer are same.
      Do you have a UAN number?
      Now name might create a problem. Better check with your Finance department. Which name do you intend to keep. It should be same in all your financial documents – PAN Card, Aadhaar.

      • Deepthi says:

        Hi Kirti!

        Thanks for coming up with useful and informatice blog!!
        A big thank you for the clarification.
        Yes I do have UAN. And have enrolled myself in EPFO member portal too. I have written to HR n Finance team in my office ; yet to hear from them. Assuming if the previous account gets transferred , will that be considered as continous service of 5 years. Please let me know your thoughts on same.

        Regards,
        Deepthi

  12. Deepmangal says:

    Hi,

    I had initiated the process of pf transfer online and on checking the status, it reads, transfer claim approved by both employers. However, still my pf amount has not been transferred. How many days does it take to get transferred? It has been almost one month.

    • bemoneyaware says:

      Not sure. People have got it done within a week too but a month and half should be reasonable.
      It is operational issue that too from Govt organization. So waiting is the only answer.
      Please let us know when it gets transferred

  13. Sam says:

    The tenure of EPS contribution in my case has been 13 years. However, I am leaving India and will settle abroad permanently. How and When will I be able to withdraw my EPS.

    • bemoneyaware says:

      Sir not sure about it.
      You should be able to withdraw from both EPF(form 19) and EPS(form 10C) by submitting forms to your current employer

  14. Ms. Tina says:

    I will be attaining Portuguese nationality soon, and will be moving there after. I have worked 3 years in an MNC and have resigned now with one month of my notice period left. What will be the process to withdraw my PF.

    • bemoneyaware says:

      Employee can withdraw from EPF by filling Form 19 which is available with the HR department of his ex-employer or can download it from EPFI webpage of download forms.
      For withdrawal benefit & scheme certificate fill Form 10 pdf format which is available with the HR department or one can download it from EPFI webpage of download forms
      Links are in the article above

  15. Akash says:

    Hiii

    I worked from July 2011 – Jan 2014 after graduation. I resigned in Jan 2014. While resigning I withdrew my PF. So i received the amount in FY 14-15 for which I am filing my ITR. I guess there are 6 components to it. EPF (Employee), Int. on EPF, ErPF(Employer), Int. on ErPZF, VPF and Int. on VPF.

    My queries:-

    a) Since after resigning I didn’t take up a new job. I only got my clearance from the company amounting 1 lac and interests from my savings. Along with the PF amount received, my total income rounds upto 3.5 lac for FY 14-15 which is in 10 % slab. But the tax benefits I have claimed in first year of my service is 10% and 20% for next two years. So my doubt is while calculating tax do I have to go for 10 % or 20 %.

    b) Out of the 6 components mentioned above which parts are taxable?

    Thanks and Regards

    • bemoneyaware says:

      For Filing Income tax return for a year your income slab depends on income earned in that year only. It may be that one is in 10% income slab in one year, 20% income slab next year and no income the next.
      As in FY 2014-15 or AY 2015-16 your total income is 3.5 lakh including income from salary, EPF, interest on FD if any etc you would be in 10% tax slab

      Did you do VPF i.e voluntary EPF and claim 80C
      The voluntary contribution will earn the same rate of interest,will fetch you the same 80 c tax benefit
      Generally taxation on EPF various parts are as follows:

      1) Total of employer’s contribution plus interest which was not taxed earlier will be taxed under the head ‘profits in lieu of salary’.

      2) You will be taxed on the amount of tax benefit claimed for your contribution of EPF.

      3) Interest received on your own contribution to EPF will be taxed as ‘Income from other sources’.

  16. I want to withdraw only EPS amount and tranfer EPF amount.Is it possible and how

    • bemoneyaware says:

      Theoretically not.
      To withdraw from EPF and EPS one has to be un employed for 2 months.
      Do you meet that condition Sir?
      To withdraw EPS one needs to submit Form 19.

  17. PAPRI DEY says:

    Dear Sir,

    I am Papri Dey employee of M/S E.H. Taher & Co., 69A, Nitaji Subhas Road, Kolkata – 700 001. Two years ago My PF Account number was WB/CAL/0009126/000/0000066 with effect from March 2013. But, before one year I Collect my statement, I saw my PF Account No. is entry is Krishna Kumar Sharma who leaving our Company 7(Seven) years ago. So, I am confused and contract our Company PF Agent, who advise me and regularised my New PF Account No. WB/CAL/0009126/000/0000070 is the entry name of Papri Dey after 4 (Four) months effect on September 2014. But, till date my previous PF Account WB/CAL/0009126/000/0000066 Balance Amount is not transfer in my New PF Account WB/CAL/0009126/000/0000070 .
    So, I request you to please take action and arrange to transfer my Previous balance amount in my New account up to date.

    MY OLD PF A/C NUMBER WAS WB/CAL/0009126/000/0000066 & MY CURRENT PF A/C NUMBER IS WB/CAL/0009126/000/0000070

    My mail Id is & Mobile Number is 9804468245.

    Looking forward to your kind help & necessary advice.

    Thanking you.
    Yours faithfully,

    PAPRI DEY

    • Kirti says:

      Sad to hear about your case. We cannot do anything except suggest.
      Good thing is you caught the problem.
      Now it’s time to fix the problem.
      Instead of opening new account you should have got old account fixed.
      Anyways..
      Please check status of the old account number WB/CAL/0009126/000/0000066
      You would have submit application to your PF agent to change details of the old PF account number. Name and Birth should match yours.

  18. Sen says:

    Hi,

    I have withdrawn my PF in this financial year. I have came across the following info in our office mail. But i could not get the clear picture of it. Can u please explain me. Here is the info.

    1. Income Tax shall be deducted at source (TDS) at the time of withdrawal of the PF amount under following conditions :
    • If the amount is withdrawn before 5 years of service
    • The withdrawal amount is equal to or more than Rs. 30,000/-
    • If PAN submitted – TDS will be deducted @ 10%
    • If PAN is not submitted – TDS will be deducted @ the maximum marginal rate i.e. 34.608%

    • Mitesh says:

      if u will withdraw ur PF than 10% TDS will be deduct.
      In following circumstances tey will not deduct TDS on PF:
      Ur PF amount is less than or equal to Rs. 30,000/-
      If u have not completed 5 years in the organisation.

      My advise to you that dont withdraw ur PF let 5 years will get complete(u can transfer the PF in ur new company and complete 5 years after than u can withdrawn) why 10% deduction on PF.

  19. music says:

    I had 3 PF accounts. I had applied for PF transfer from Account A and B to be transferred to Account C. The Employer and Employee contribution has been successfully transferred after a period of 5 years struggle.
    Now, the Pension Amount of Rs.541/- that was deducted every month in Account A and B has not been transferred to Account C. How will the same be accumulated from each account and paid when i turn 60 years ? Pls guide.

  20. Amit says:

    Hi, I left my previous organization 9 months ago where I was allocated UAN.

    Same UAN was provided to my new organization but seems they have generated a new UAN for me.

    How do I surrender / merge both UANs? Is there any specific form / notification which I need to send to PF department?

    Thanks.

  21. Arun says:

    Hi Team,

    I have joined now a company whose PF is maintained by trust. My earlier company was with RPFO. Is there any way of doing transfer online for PFs between trust and RPFO and vice versa.

    Thanks

  22. Sneha says:

    Hi,
    My husband applied for his PF withdrawal in the month of December 2014 while switching his job,At that time he did not have his UAN.
    It’s been six months now, we did not get the amount. We tried checking the status of withdrawal through online, it says no record found.
    How can we track now?? Ur suggestions are highly appreciated.

  23. shobhit says:

    joined x company in 2011 and left after exactly 3 years of completion . joined y for next 6 months and again rejoined the x . can i withdraw the PF from the x company from my first stint .

    • bemoneyaware says:

      Shobit, We assume you have UAN number so EPFO might not entertain your withdrawal request. As you need to be unemployed for 2 months before you withdraw from EPF.

      What you can do is transfer your PF contribution from 1st stint in the company and link it to UAN. Your PF number for 1st and current stint would be different.

      Transfer also the EPF from company Y to company X.

  24. Sandeep Tungar says:

    I have recently transferred amount from old EPF account to current EPF account.

    But only Employee Share and Employer Share is transferred to new account and Pension contribution is not transferred.

    Do I need to submit any form for transferring Pension contribution from old account to newer account ?

    Thanks,
    Sandeep Tungar
    Mumbai

    • saranya says:

      Even I have the same question as Sandeep. I raised PF Transfer request from my old company to new company Pension account(as PF is maintained by the company own Trust) on 30-April-2015. I had the below few queries
      I have UAN number activated.

      1. Will my pension amount also get transferred to new Pension account

      2. Will my PF account number(maintained by my company trust) also get tagged to my UAN

      3. How I will be informed once the transfer process is completed

      4. When I check in Member e-seva am seeing Employee balance + Employer balance is 0. But am seeing Pension amount.

      5. I am seeing my old account status as Settlement is completed. But still I didn’t receive any message as of now.

      Lot of queries. Please reply

    • Sandeep Tungar says:

      I Have raised grievance in EPFiGMS. Lets wait and hope they will get back …. in near future :)

    • bemoneyaware says:

      Yes there is confusion on whether EPS should be transferred or not. But currently when one transfers through online only EPF amount is getting transferred.

      We are looking for answers on whether one has to submit form 10C and get scheme certificate like in old times.
      If you find something do let us know too!

      • Sandeep Tungar says:

        Here the reply I got :

        Details of Final Reply :

        IN INTER GROUP TRANSFER EPS AMOUNT PHYSICALLY NOT TRANSFER ONLY SERVICE DETAILS TRANSFER.

  25. Harish Bhandari says:

    HI , My name is Harish and I have worked in X company between 2007 to 2010 and its been 5 year since I have left the company but I didn’t or couldn’t withdraw my EPF , but now I wnat to but I am afraid that is there any time limit that I should have done it or I can withdrew it even after 25 years

  26. Sriphani kiran says:

    Hello kirti,
    I have a unique situation. Please advise

    Joined X Company and had a PF account. Moved out of it after working for one year. Had no UAN Then (In 2008)

    Joined Y after a Gap of one year
    Working in Y for more than 5 years now. Got a UAN here

    1. However in UAN Account when I check my prev PF no it gives the correct name but not the joining date and leaving date

    2. and in X company its been more than 6 years that the amount is lying there, did not withdraw, and as per this blog, I will get the Interest for 3 years however my query is that if I do not withdraw or transfer the X Company PF account to the Y company so far / did not with draw for more than 6 years, what will happen to my amount will it still remain as is or will there be any issue with it being in X Company PF account

    Please Clarify

    • bemoneyaware says:

      Sir a doubt as you had no UAN number in 2008 how are the details of previous employer available? Did you link the previous employee id?

      1. If you are checking in Status of previous Member ID’s then it would show who linked – you or your employer

      2. We would request you to transfer PF from X company to Y company. Reason the EPF in X company has become dormant and inoperative. If you have to withdraw some time in future then you would have to make two requests. Govt has started the drive to track the inoperative accounts. Why have the hassle of two accounts, have it transferred to your current company and simplify life.

      • Sriphani kiran says:

        Thank you for the suggestion,

        1. In X company I had no UAN, but has been given with a PF Account no. so, with Y company given UAN, I am trying to track X company PF Account.

        2. I am going to move to Z company shortly, hence want to transfer it directly to the Z company, will I be able to track my X company PF Account with Z company after being more than 5 years or 6 years.

        Please clarfy

  27. ashish mehta says:

    I worked for a company which was having their own PF trust
    Then I joined a company who has PF managed by EPF office , i have completed 2 years here.

    Now when i leave the organization and apply for the PF , will the tax be deducted ?

    • Kirti says:

      How many years did you completed in the company which had their own PF trust?
      A PF trust is similar to EPF. If you total years of contribution in both these funds is less than 5 years then TDS will be deducted else not.
      We would recommend you to transfer your old PF trust to current EPF . Then it would be easy to manager transfer or withdrawl.

      Some basics:
      Any establishment (business entity) which employs 20 or more employees can join RPF. Most of the individuals (who are salaried) generally contribute to this type of Provident Fund. This is one of the popular types of Employees Provident Funds (EPF).
      The business entity can either join the Govt. scheme set up by the PF Commissioner (or) the employer himself can manage the scheme by creating a PF Trust. All Recognized Provident Fund Schemes must be approved by The Commissioner of Income Tax (CIT).

  28. AK says:

    Can we transfer more than one Previous PF account in current PF account?

    I have been working in a company for short duration till the other company job formalities was taking place.So As per records I am switching from A to C but there is company B where i worked for short duration. Can I transfer that PF amount as well to PF account of company C??

  29. guest_alp says:

    Hi All,

    I was working with a company in 2009 and left it after working for 8 months. Later I joined another company and I will be coming out of this company in a week from now. I am quite not sure if I will not be working any more. So, I would like to know:

    1. if I can transfer the first employment related PF to my current employer and then get it transferred to the new employer if I am joining or will that be a problem as I am leaving this current company in a week
    2. is it possible to withdraw both accounts separately or transfer the accounts separately

    • bemoneyaware says:

      Sir
      Do you have the UAN number? We assume you do as you are currently working.
      Please transfer the first employer PF to current one

      Request to withdraw/transfer would have to be made for each employer

  30. Priya says:

    Hi,

    I have been working with my current employer for 2 years and 8 months. I am leaving to pursue a masters degree in the UK and need the funds in my EPF account for the same. Is there any way to waive the 2 month waiting period and have the same released immediately after I leave my job.

    • bemoneyaware says:

      Hello Priya,
      Best wishes for higher studies. Where are you going and for what?
      For people going for higher studies there is no 2 month waiting period. You can apply for transfer of EPF. Please remember that 10% TDS will be deducted as contribution in EPF is less than 5 years.
      Do keep us updated.

  31. Sumit says:

    Hello, I had requested for PF withdrawal 27 April 2015 and also received a conformation from EPFO GURGAON that the claim has been approved and payment is in process. Mean while my bank account mentioned in the form got closed. Need your help in steps now I need to take and when to take. should I wait till it shows online that the claim got rejected

    Appreciate your help
    Thanks

    • bemoneyaware says:

      Sir,
      Both approaches seem to be fine.
      It is better to give a letter to PF department stating that the Account is closed and request letter to change the payment details to new Bank account. For that you should enclose following documents.

      Enclosures
      1) If you have any confirmation for account closure then enclose that copy else get a letter from the bank stating your account has been closed and any payments from PF department comes the same shall be returned.

      2) Cancelled cheque leaf of the new account for confirmation of Name, account number & bank details

      Please do keep us updated

  32. pradeep says:

    I have submitted my pf withdrawal form on 22-03-2015 to my previous employer, and till now no news. when i asked to my previous employer they saying that its already been submitted to PF office.i have a question that if they submitted to PF office will i get message on mobile? and how many days will take to get my money, please answer, thanks. – See more at

    • bemoneyaware says:

      Typically it takes around 2 months to withdraw if submitted offline but then you know about Govt offices.
      You can register EPF complaints or grievances online or file RTI
      To register EPF complaint visit EPF complaint online
      You can fill the required fields to lodge your complaint related to any of your grievance and submit. You also have the facility for maintaining confidentiality of your grievance by setting password.
      You can anytime check the status of your complaint online by entering your ‘Employee Provident Fund Account Number’ and also send online reminders to the EPFO to keep intimating about your pending complaint.

    • bemoneyaware says:

      You may also contact the EPF office. Find the EPF0 directory to get the office address and phone numbers and call.
      In case the above two options fail, you can file RTI.

      A request, if you can keep us posted on what you did and what happened it will be beneficial to others

  33. MAK says:

    Hi,
    i have 5.6 yrs of exp in my 1st company. i am switching to next company without even single day gap b/w 1st & new company. am i eligible to withdraw Pension? i assume i can withdraw PF without tax deductions. is it wise choice to withdraw or to transfer?

  34. Nilesh Jain says:

    Hi,

    I want to withdraw only EPS amount and tranfer EPF ampount.

    Is it possible and how ?

    • Kirti says:

      Hello,

      Yes if you have less than 9.5 years of contribution to EPS and one could withdraw EPF & EPS if one was unemployed for 2 months.
      Earlier one could withdraw from EPF & EPS as EPF was not tracking whether a person was actually unemployed. But now with UAN number the previous employer’s details are linked so that loophole is plugged.
      Do you have linked your earlier Employer to UAN number?

      • ashish mehta says:

        Hi Kirti ,

        I worked for a company which was having their own PF trust
        Then I joined a company who has PF managed by EPF office , i have completed 2 years here.

        Now when i leave the organization and apply for the PF , will the tax be deducted ?

        Please help

  35. sathish says:

    Now I have resigned my job and i am idle for 1 year after that i will join in another company. how to merge my epf a/c . can u suggest me…

    sathish

    • Kirti says:

      Do you have a UAN number?
      If you have UAN number your EPF details for all employers are available at one place.
      When you join the new company then the company’s new PF account number called as Member ID will be generated. This will be linked to your existing UAN number by your new employer after submitting form 11.
      If you don’t have UAN number your employer will submit request to EPFO for generating UAN number.
      Then you can link your previous employer PF account number.

  36. Can i withdraw a money EPF any time i want…..?

  37. Anu says:

    Hi,

    I was working in a company X for the past 7 years. I have resigned from job due to persona issues and is currently residing with my husband in US. Is there option for not withdrwing the EPF ad EPS amount and withdraw it later ? Will I be getting any interest for the amount ? Is there any issues in not withdrawing the amount like this ?
    I am not employed here.
    Please reply.
    Thanking you.

  38. manojbabu says:

    I resigned my job in old company(3.5 Year of service) and joined new company immediately

    I didnt provide UAN number to new company, New PF account has been created
    Can i withdraw PF amount from old account still

    Old Hr is saying pf is cant be withdrawn it can be transferred only. I lied him that i am unemployed for 60 day but he is asking for affadavit signed by notary

  39. Dharmendra says:

    Hi,

    I’ve completed 3 years of service with my employer and now will have a 2 year break in employment as I want to pursue higher education?

    My employer is forcing me to withdraw the PF amount, which I don’t want as it will attract tax implications. I want to let the amount be with him and my PF account to continue so that I don’t have any unwarranted tax implications and also I earn interest on the amount for next 24 months.

    What course of action should I take?

    Your guidance will be highly appreciated

    • Kirti says:

      Why is your employer forcing you. EPF account is with Govt so there is no headache for him.
      You can complain to the regional provident fund commissioner. Please send this complaint by registered post and keep a copy. After reasonable time, if no action is taken, you can also apply under the Right to Information and ask what action has been taken on your complaint, and why you should bear the burden of paying the taxes when you actually wanted to get the PF transferred later when you join the job.

  40. Anjali says:

    Hi,
    I was working with a company 3 years 3 months & then i left the company. i filled the form to withrow my PF .since from 1 yrs i didn’t received my pf. & contentiously getting the same online status.

    STATUS for Member ID: KRKCH00218900000000434

    Claim ID : KRKCH150200012893
    Status : Claim Form 10C for Withdrawal Benefit AGAINST Member Account No (KRKCH00218900000000434) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim.

    Claim ID : KRKCH150200012900
    Status : Claim Form 19 for PF Settlement AGAINST Member Account No (KRKCH00218900000000434) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim form.

    Reason of rejection: The reason of rejection is not available in database. You may please contact RO/SRO KOCHI for further details

    * * Data available since last six months. * *
    * * KOCHI data availaible from 11-11-2014. Last updated on 11-05-2015 at 08:31 am * *
    * * Approval Details on PPO and Scheme Certificates will be made available soon.. * *

    i spoke with my company HR and she asked me to send my 10th markehseet , as she has made mistake on my name and thats the reason its got rejected. i have already sent one months back. could you help me to understand when i will received my Pf. please help me

    Thank you
    Anjali

    • Kirti says:

      The reason for rejection is Name mismatch.
      New claim with correct name has to be submitted by your ex emplorer

      file rti application and seek following information regarding both claims by quoting your account No
      (i) Dy No and date.
      (ii) Name and designation of Dy clerk of accounts section.
      (iii) date of receipt in account section.
      (iv) relevant extract of work diary of dealing clerk
      (v) name and designation of dealing clerk
      (vi) date of submission by dealing clark
      (vii) name and designation of the head clerk/SS
      (viii) date of disposal by head clerk/SS
      (ix) Name and designation of AO/AAO/APFC
      (x) date of disposal by AO/AAO/APFC
      (xi) reasons for rejection.
      (xii) letter No and date of despatch rejection order
      (xiii) copy of rejection order
      (xiv) name and designation of deapatch
      (xv) relevant extract of despatch register
      (xvi) amount of postage paid.
      (xv) if rejection of claim was due to non-deposit or non-submission of returns by the employer then a copy of the notice issued to the employer.

      after submitting this RTI application, after 7 days submit the fresh claim. 90% chance is that it will not be rejected or you will be informed of the deficiency over telephone

  41. Abhijeet Kumar says:

    chola very poor service

  42. Hanuma says:

    Dear Kirti,

    I have Applied for the PF transfer online. its showing below status since from 2 days.

    Current Status :Your claim has been settled and credited to new account.

    Could not see the amount credited into my present employer PF account. Can you please comment on “How many days it normally takes to get the amount credited into my present employer’s PF account after the approval of online transfer application?

    when they will update the UAN passbook, If it needs to update.

    I can see my UAN passbook in portal They are updating every march ending.

    in my case to see credited amount, do i need to wait until march to update my PassBook or will they update when we are transfering old epf to new epf account ?

    Could you please clarify me my concerns.

    Thanks in advance!!

    Best Regards,
    Hanuma.

  43. Abhijit says:

    hi,
    my previous company was a private trust wherein i have worked for 7 years. the new organisation which i have joined has its pf account in rpfc. what i wanted to know that if i transfer the amount from the private trust to rpfc then in this case, will my pf membership term be counted from the past i.e. 7 years or since the amount is now getting transferred from private trust to a public trust hence it would be starting from the initial phase i.e. 1st year.

  44. Hanuma says:

    Hello Kirti,

    I have worked in a company X for one year. later I have joined another company Y. In my new company they have created UAN.

    I can see my epf balance from previous pf account.There are two different amounts EE Amt = 10000 and ER Amt = 10000.

    Could you please suggest me should i get EE + ER = 20000 , If i transfer my old pf account to new pf account

    below status is showing since from 10 days till now didn’t credit.

    Current Status : Your request is In Transit between EPFO Out and In Office.

    Thanks,
    Hanuma

  45. Sharmila says:

    Hi Kirthi I had worked in an organization from 6th Oct to March 5th . Can I withdraw the pf after 90 days .

  46. vijay says:

    Dear sir,

    I just want to know that i have been working with an organization for 4 year and in this situation if i’ll resign from there how much share of EPF amount i’ll get and is this possible to get total pension fund apart from other share.

  47. Venkata Rao P says:

    Hi Sir,
    I have worked in an organization from september 204 to august 2005. I want to transfer this PF account to my current employer PF account. Will it be possible? Or is there any procedure to get it done? Please kindly let me know the process.

    Thanks,
    Venkat.

    • Kirti says:

      Yes you can get your old EPF account transferred.
      As it is 2005 account we are not sure if it would work online.
      but you can transfer
      You should be having UAN number from current employee and it should be activated.
      -Link your Member ID in Previous members Id
      -Apply for transfer of EPF account.

  48. rajan says:

    I have completed 6 years with my Ex employer, I am joining new company (X) now. When I leave this X company after one year. Tax would be on whole amount of amount accumulated in last one year?

    • Kirti says:

      No Sir as you have made 6 years of contribution to EPF there will be no tax on withdrawal. After 5 years of total contribution in PF there is no tax on withdrawal.
      Do you have UAN number alloted? If so then if there is not a gap of two months before joining jobs then only you can withdraw else your PF would be transferred.
      Reason for such decision is that EPF is for retirement purpose and if people withdraw they are losing out on compounding.

    • Provident fund includes form 19, 10c, 3a certificate, ifsc code

      Regards,

      Harish Dhawan

      Provident Fund Consultant

      • Ranu says:

        harish,
        I have few queries regarding PF withdrawl & need professional help in EPFO bangalore.Can i get your email id please at ranu dot srivastava at gmail.com

  49. VINEET THAKUR says:

    I have been working for a company X for about 3.5 years and left the company on 10th of April 2015. I will be proceeding with my higher studies for next two years without receiving any income.

    In this will be EPF and EPS withdrawal be applicable for TDS/ any other tax dedeuction or will it be tax free. Also will I have to submit two seperate forms for EPF and EPS.

    Will be waiting for your reply.

    Thanks & Regards.

  50. Padma says:

    Dear Sir,

    I have relived from my past employer on May 2014 and rejoined my current company on July 2014. I didn’t transfer or withdraw my PF yet from the past employer.
    If I transfer my PF to my current PF account through on-line, would I be able to withdraw old PF, if I quit my current company along with my current PF?

    • Kirti says:

      If you want to withdraw from your earlier company it is not necessary to transfer it to current company. Unless number of years of total contribution of past employer EPF is less than 5 years then your EPF withdrawal will be taxed.
      Then to avoid TDS/Tax you need to transfer it to current company and then withdraw.
      Fill Form 19 for EPF withdrawal and Form 10C for EPS withdrawal and submit it to past employer. They will do the needful.
      How many years did you work in past company?

  51. Hanuma says:

    Hello Sir,

    I have worked in a company X for one year later on I have joined in a new company Y. In my new company they have created UAN.

    I have seen my epf balance from previous pf account.There are two different amounts EE Amt is 10000 and ER Amt is 10000.

    If i transfer my old pf account to new pf account

    should i get EE + ER = 20000 ? and what is EE and ER?

    Thanks,
    Hanuma

  52. Priyanka says:

    I have been working for 8.5 yrs in the same company. past 3 years i am in US as a Onsite manager but my PF was continued in India. Now I am resigning from my Job and joining a US company. Please explain:

    1. Can i withdraw my PF, pension and gratuity?
    2. will the amounts be taxable or not?

    • Kirti says:

      Congratulations Priyanka on your new job and Best wishes too.
      1. Those who have got employment in a foreign country and they don’t intend to return soon, can Apply for immediate PF withdrawal. There is no waiting period of 2 months.
      To avail this concession this you will have to produce visa copy as well as appointment letter, if any.
      2. As you have worked for 8.5 years and 5.5 years in India, I assume that during all this time PF contributions were made. EPF withdrawal is taxable if contribution in EPF is less than 5 years.

    • Parvin Panesar says:

      Priyanka,

      Can you update or reply to me, if you are filing for your return and how ?
      I have been trying to reach my employer once again. They gave me a form 19 last time in 2013 and after that they said it is a difficult process to get PF cleared from the PF office for overseas employees.

      Let me know.

      thanks,
      PArvin

      • Kirti says:

        Have you considered filing an RTI for PF.
        Before filing the RTI , a good idea would be to file a EPF grievance redressal form online
        Jagoinvestor article on RTI for EPF Withdrawl and Transfer issue (Mar 2012) talks about how one can file a RTI(Right to Information) if one is unclear about what your EPF status is or if one’s EPF transfer work has even started? Why did one’s EPF money still not credited in bank account etc etc… You can ask all these questions and you should be getting the 100% right and clear answers within 30 days. The only point here is that you should be doing it the RIGHT way.
        The three steps to file are:
        Buying a Postal Order of Rs 10 from Post Office
        Drafting your RTI letter
        Sending the RTI letter by Registered Post or Speed Post

        Few websites help you to file RTI online like https://rtionline.gov.in/ or https://onlinerti.com

  53. Bharani says:

    I served for four years in X company and joined immediately in Y companu. after a lapse of 6 months, (4.5 years) I withdrew the contribution from the EPF I am not sure if the X company deducted the tax forthwith. If not can I remit the money back to my present EPF account. Are there provisions for that Kindly clarify .pl

  54. Piyush Kejriwal says:

    My wife has changed her organisation 1 year back. She is unable to transfer her PF account to the new organisation because she was working in her maiden name. Now the previous employer is telling that she can’t transfer her account because there is a name mismatch. Please suggest a way out to get the account transferred or withdrawal.

    • Kirti says:

      Hello Sir,
      EPF does allow change of name. Circular from EPF
      Often, women change their surname after the marriage. If they change their surname in bank records and office records, they should also change it in the EPF database. To change the surname in EPF account due to the marriage, you need to fill the Prescribed form and attach the copy of marriage certificate. You can ask your employer for the form or download it from Planmytax who also has article about change of name

      However, if you did not change your name in bank account and office records, Don’t change in EPF database as well. To withdraw EPF, the name in EPF database and bank account should be same.

      The EPF name change application should be given jointly by you and your employer. There is a prescribed format for this application. In this form, you need to fill the address of the regional Pf commissioner, your name and company name. You have to also fill the correct particulars in the given column. Fill only those column which are required. Leave all other columns blank.

      • Download the name correction form.
      • Fill your details and print it.
      • Sign the printed form and get it signed by your employer.
      • Get it stamped with company seal.
      • Attach the self-attested copy of identity proof with the application.
      • Your employer should send the application to the regional PF commissioner.

      Please note a fact about nomination also..
      PF nominations are automatically invalidated upon marriage. As things stand now, your PF account does not have a nominee unless when asking for the name change, you sent in a fresh nomination form retaining the old nominee.

      See section 61(3) of the EPF Scheme, 1952: http://www.epfindia.gov.in/epfscheme.pdf

      (3) If a member has a family at the time of making a nomination, the nomination shall be in favour of one or more persons belonging to his family. Any nomination made by such member in favour of a person not belonging to his family shall be invalid.
      Provided that a fresh nomination shall be made by the member on his marriage and any nomination made before such marriage shall be deemed to be invalid.

  55. Kunal Kumar says:

    I have worked in a company for 4 years 11 months & now i am leaving for study. I am planning to withdraw PF after two months so in that way it is crossing the five years criteria but i haven’t worked for 5 years. Will TDS be deducted from my account if i withdraw pf after 2 months? If yes then what’s the alternative to save TDS.

  56. Karthic says:

    I raised a online transfer request for my previous 4 accounts on Feb 17 2015. All of the accounts except one got transferred within 30 days. I’m stuck with one of the accounts and after follow up with the employer I got a reply that they are facing issue with authorized signatory attestation on PF transfer online request. The above response was a month back and I have followed up twice after this with no response from the Employer.

    Could you please let me know whether any complaint/grievance can be raised against the Employer.

    • Kirti says:

      Sir, there are many ways but I am not sure how fast it is.
      From EPFO GRIEVANCE REDRESSAL MECHANISM IN EPFO(pdf file)
      The best way to file your grievance is through Employees Provident FundInternet Grievance Management System (EPFIGMS). You can file your grievance online through the portal: http://www.epfindia.gov.in.
      2. You can also file your grievance through Centralized Public Grievance Redress And Monitoring System (CPGRAM). You can do so through the
      portal of the Ministry of Administrative Reforms and Grievances i.e pgportal.gov.in.
      3. You can approach the PRO in the Facilitation Centres of any regional and sub regional offices.
      4. You can send your grievances by post or email. You can email to acc.csd@epfindia.gov.in or rc.csd@epfindia.gov.in.

      After registration of the complaint, every complaint received through any mode is registered in EPFIGMS, except complaint registered under CPGRAM.
      2. The chance is that 80% of the complaints will get answered in less than 15 days in respect of 108 offices of EPFO, except fifteen offices (namely Bandra,
      Pune, Delhi South, Delhi North, Hyderabad, Gurgaon, Bangalore, Kandivilli, Whitefield, Bommasandra, Thane, Kolkatta, Noida, Tamram, Chennai) in which case resolution will be within 30 days.

      Best of Luck and do keep us updated

  57. Antony Raj says:

    Dear Every one,
    My employer being deducting the PF from Sep 2014 after the govt raised the limit of Basic+DA to 15,000/-. Some of our colleagues have got the UAN number, but in my case if i search through the PF Portal, it is showing the number is under process (through ECR).

    Kindly guide me when the dept will allot the UAN number and what does means “Number Under Process (through ECR)”.

    Regards
    ANTONY RAJ

    • Kirti says:

      Sir it means that your employer has submitted your details and EPFO has to generate the UAN number. How long will it take? it should be fast but no idea how long?
      ECR stands for Electronic Challan cum Return for depositing contributions by all the employers in order to provide hassle-free services to the subscribers and as part of utilising information technology for better service.
      Check up with the Finance department of your company.

  58. karthik says:

    Nice explanation. I still feel that there is a slight gap with my situation than what is explained above. It is like this:
    I joined a company in May 2011 at Bangalore. I had EPF here where some portion was deposited by employer and a %age by me. I Quit End of March 2013 and relocated to Chennai. 2nd April 2013, I joined another company. But, since the headcount was small, the company did not warrant to contribute to EPF. So, Since 2013 April, I do not have EPF. So, Can I close and withdraw the PF amount from my first job without being taxed? Or Will I still be taxed as it is not 5 years since the opening of the account? Please clarify.

    Thanks
    Karthik

    • Kirti says:

      Karthik,
      If you withdraw before 5 years of contribution to EPF then it would be taxed.
      Please note that for 3 years EPF account continues to earn interest even though their is no contribution.
      So if you have plans to join another company in future you can let your EPF account rest and transfer it when you move to another company.

  59. JOSE THEKKANATH says:

    Dear sir,
    I had been been working with an employer where I had EPF. Now I have changed employer where there is no PF contribution. My question:

    1. Is it possible for me to pump self contribution to the old EPF account of the old employer? Or will I have to change PF account to new employer and start making self contribution.

    Regards,

    Jose

    • Kirti says:

      Hello Sir,

      Does your new employer has New Pension Scheme or NPS?
      You cannot self contribute to EPF as the name Employee Provident Fund suggests. For self contribution one can put in PPF or Public Provident Fund.
      You can either withdraw or let your account earn interest without contribution for 3 years. In 3 years if you join another company which has EPF then you can transfer your old PF account to that.
      I hope you have the UAN?

  60. P A says:

    Hi Kirti,

    I have a query on my situation which is little different.
    I joined a firm X in July – 13 and Resigned on 30 Nov 13, but
    Parallel on 15 nov 13 I joined another firm Y and attending both office for 2 week. As I joined firm Y as fresher only I was not able to transfer my PF.
    In this case what option I have for my PF account in both firm X and Y. ?
    Through Firm Y I got the UAN number. Is there any way to x-fer PF of firm X without informing firm Y. Or what are the possible way to join both account.?

    • Kirti says:

      Interesting situation Sir.
      You can withdraw from Firm X without telling Firm Y.
      Or if you join Firm Z then you can join the two accounts.
      Your account in Firm X will earn interest till Nov 16.

  61. nalii says:

    HI
    Actually, i worked in some x company from 2009 to 2012, but i am not working for some persnol problem, but still not withdraw my epf amount, any problem in this case for withdraw th amount.

    • Kirti says:

      No Nalii we don’t expect you to face problem.
      Please note few things:

      • If you withdraw before completing a period of 5 years, then all your previous years income gets recomputed as if the fund was unrecognized from the very beginning (i.e., the tax benefits you received on your own contribution u/s 80C/88 in earlier years will get forfeited) and further the employer contribution and interest received will be added to your current income subject to relief under section 89.
      • You can withdraw from EPF by filling Form 19(pdf) which is available with the HR department of his ex-employer or can download it from EPFI webpage of download forms.
  62. Machhindra says:

    Hi Sir,

    I am in some unique situation where in I am resigning from a multinational company in 4.5 years and joining a Government service. If I withdraw the epf money it will be heavily taxed. Government services are not providing EPF facility and are providing NPS. Even if I dont withdraw I couldent transfer it to new job. Is there any exception for tax deduction is provided if the new employer doesnt have EPF facility..

    • Machhindra says:

      Anybody looking into it.. I need urgent help in this issue…

    • bemoneyaware says:

      Apologies for late reply .Congratulations on your new job
      Not that we are aware of.
      You can keep your EPF account for 3 years as it will earn interest.
      Till then if you move again to pvt job which has EPF you can transfer.

      If you withdraw as you rightly said it will be taxed.
      Now govt is allowing an option to EPF subscribers can switch to NPS and back

      • Machhindra says:

        Thanks Sir…

        I have gone through the article. Can a new government employee continue with EPF or this option is available to old employees only….

  63. John says:

    Hello Sir/Madam,

    I have a query.

    I have 3 PF accounts at present as i didn’t close any account.

    I joined a firm X in 2008 Aug and resigned on February 2011 – (PF started from joining date)
    Then joined firm Y in 2011 and resigned on August 2014 (Employer started PF from Jun 2012)
    Joined a new firm Z in September 2014.(merged the first PF Account x with the present Z firm account)

    I wish to withdraw amount from the account of Y firm, is it possible to withdraw the amount. UAN number has been allotted to me.

    It would be a great favour if you reply to the same.

    Regards
    John

    • Kirti says:

      John your UAN number was allotted by Firm Z it seems.
      To withdraw the EPF amount you have to be unemployed for 2 months. So going by rules you cannot withdraw.
      John I want to bring to your notice that since PF in firm Y had not completed 5 years you would have to pay tax on it.
      But if you combine Firm X + Firm Y + Firm Z your contribution would be more than 5 years hence no tax on EPF withdrawal.
      My suggestion is not withdrawing from EPF and using compounding to your advantage.

      • Deb says:

        I have a query.

        I have 3 PF accounts at present as i didn’t close any account.

        I joined a firm X in 2011 May and resigned on February 2015 – (PF started from joining date)
        Then joined firm Y in Feb ,2015 and resigned on June, 2015 (Employer started PF from Feb ,2015)
        Joined a new firm Z in June 2014.
        (Employer started PF from June ,2015)

        I want to transfer both the PF of Company X and Company Y to Company Z. UAN number has been allotted to me by Company X.
        Is it possible to transfer both the PF pf X & Y to my new company Z ??

        Regards
        Deb

  64. Naren says:

    Hi , I have been working in a company for 5.8 years , now i have resigned and joined another company , is it possible to withdraw the PF or is that i have to be unemployed for 2 months . I have been told either i have to be unemployed for 2 months , medical or going abroad are the only reasons under which i can withdraw my PF , Kindly can any one clarify .

    Thanks

    • Kirti says:

      Technically yes you need to be unemployed for 2 months/medical/going abroad as you suggested.
      Unless it is necessary you should transfer your old PF to your new company by giving your UAN number

      • bharath says:

        Hi Kirti,

        I have quit my job in January 2013, after working continuous for more than five years.

        I am self employed since two years now, and intend to continue being self-employed.

        Is my erstwhile PF account still earning interest on the accumulated balance?

        • Kirti says:

          Hello Bharath,

          The EPFO account earns interest for 3 years after it becomes dormant. So till Jan 2016 it should earn the interest.
          I would suggest you apply for UAN and get the e-passbook and can track easily.
          Our article UAN explains it in detail.

  65. Anand says:

    Hello sir,

    It’s nice knowledge sharing posts i found, I have some querry and questions regarding PF Withdrawal as follow need your help-

    I have resigned from X company and now joined Y company, In x company i was had my PF account and in new Y company I do’t have pf account facility provided by new company, now I want to withdraw the PF amount form old X company’s mine PF account, so what should i do? Can it possible?

    • Kirti says:

      Employee can withdraw from EPF by filling Form 19(pdf) which is available with the HR department of his ex-employer or can download it from EPFI webpage of download forms.
      One can withdraw only after a waiting period of two months after resigning. The rules are that an employee should not be in employment for two months after resigning if he has to withdraw his P.F amount. Form is submitted to the regional provident fund Commissioner office after which the employee receives his amount along with interest within a period of 90 days.
      If you withdraw before contributing for 5 years TDS would be deducted all your previous years income gets recomputed as if the fund was unrecognized from the very beginning (i.e., the tax benefits you received on your own contribution u/s 80C/88 in earlier years will get forfeited) and further the employer contribution and interest received will be added to your current income subject to relief under section 89.

  66. Dilip says:

    Hi, I had made an online application for transfer of my PF balance which has been approved by my previous employer. I had heard that the transfer claims are processed within one week from the date of approval by previous employer. Its been a month but I don’t see my current employers details appearing. Please can you guide me how much time PF department takes to process the transfer claim and do I need to approach them. Thanks in advance for your assistance!!

    • Kirti says:

      EPFO has become quite fast in transferring. Did you submit duly signed printout of the claim? Some Ans from FAQ (pdf) by EPFO are given below.
      Hope it helps.
      The member is advised to submit the duly signed printout of the claim after its online submission immediately, but it should not exceed 15 days. The employer would have the option to reject the online claim application after 15 days. In case of any delay beyond this period, the member is advised to contact the authorized signatories/ employer for needful.
      The contact details of authorized signatories are available under the Employer details in the “View the status of Transfer Claims” under the tab “CLAIM”.

      How can the member get to know the claim status of the claim submitted online by
      him?
      Ans:- The member would have an updated status of the claim in the “View the status of Transfer Claims” under the tab “CLAIM”.

      How can a member know that the employer has edited the data furnished by him
      while filing the claim online?
      Ans:- In case the employer has edited the data submitted by the member in the Online
      Transfer Claim form, the member would get a PDF file of the revised claim form as submitted by the employer in the “View the status of Transfer Claims” under the tab “CLAIM”.

  67. sanjeev says:

    Dear Sir,
    I have applied for PF claim to my bank account on 17th January but still i didn’t get anything from both company and as well as PF office. Then what can i do?
    Est No- 23479
    Acc.No- 6028

  68. Mos says:

    I had worked for 10 years in my previous organization and now I’m currently not employed .

    I spoke to my HR dept and they say that it is compulsory to opt for Pension Scheme Certificate if I have worked for over 10 years . I haven’t seen any clear documentation that this is compulsory. If it is so then why is it compulsory? Anyone should have the option to receive the full amount instead of as a pension.

  69. Mukesh Kumar says:

    Dear sir,
    my name is mukesh kumar two year ago i was working in a company i left the organization in Nov 2011.
    now i want to withdraw my amount which is around 18000 inclusive of pension fund.can i withdraw all.
    my pf details are below.
    Establishment ID & Name :TNMAS0022600000 BRILLIANT TUTORIALS PVT. LTD.
    Member ID :TNMAS00226000000005176

    • Kirti says:

      Yes Sir you can withdraw your PF inclusive of your pension. If you have not contributed for 5 years to PF you would have to pay tax.

  70. Sharath Chandra says:

    Dear Sir,

    I have a situation which needs your expert advice. I worked in an Organization A from Dec 2007 to Oct 2009, after i left the organization i have not withdrawn the amount till date. I keep getting the latest EPF statement from Organization. After leaving Organization A, i joined Organization B and worked till April 5th 2015 i.e. yesterday (5+ Years). Now i am joining Organization C. I am planning to withdraw PF from Organization B and i believe it is not taxable as i have worked with it for more than 5 years. Coming to PF amount being held at Organization A, can i transfer it to Organization C and then initiate a withdrawal, or should i withdraw it independantly – Please advice

    Best Regards,
    Sharath

    • Kirti says:

      Hello Sir,
      Are you sure you want to withdraw? If you do not need money you can continue earning interest on it. Let compounding play its role.
      You can withdraw from Organization B without paying any tax as you have worked for more than 5 years.
      You can transfer the EPF money from organization A to organization C or withdraw from organization directly. I would suggest withdrawing from Organization independently.
      BTW One can withdraw only after a waiting period of two months after resigning. The rules are that an employee should not be in employment for two months after resigning if he has to withdraw his P.F amount

  71. K Vinay says:

    Hi, I worked for a company in Delhi(an MNC) from March 2007 till January 31st 2015(7 years 9 months). The same company now has transferred me to take up work in Singapore.

    I want guidance on what should i do with the PF?

    1. withdraw it? if yes what are the tax implications thereof, if any?
    2. If i keep it? what will happen to the money.
    3. Finally, when I checked my EPF passbook online it shows updated till 09/07/2014. when will the update take place for the period form August 14 till Jan 15.

    Regards,

    K.Vinay

    • Kirti says:

      Hello Vinay,

      We can understand your confusion.
      Let me state some facts:
      -If you withdraw now, as you have completed 5 years of service there will be NO tax implications.
      -From last contribution to the EPF account the account continues earning interest till 3 years.
      -Your passbook should be updated anytime now. As interest for the year has to be credited and shown.

      So How long would you be working in Singapore? if your plans are coming back to India within next 3 years then you can leave the account as such and go.
      Withdraw the money if there is a requirement or need for it.

      Hope the answer helped.

  72. Sunil Shetty says:

    I worked for an Org. for nearly 9 years and left the job in Jan 2015. Now after 60 days I want to withdraw the EPF. Below is the response from EPFINDIA (EE=264477 + ER=194311 as on 10-11-2014, Accounts updated up to 31-03-2014).

    Query 1: Does the above amounts include Apr 2014 to Jan 2015(10 Months) Employee and Employer Contribution?
    Query 2: When will the interest be added on the above amount. I need the exact date on which the interest will be added. Even today when I query for balance, it is still showing accounts updated on 31-03-2014 (last year)
    Query 3: Will I get Last Year’s i.e. till Mar 2014 (EE + ER + Interest) + Current Year i.e. Apr 2014 to Jan 2015 (EE + ER + Interest)?

    Please clarify. Thanks in advance!

    • Kirti says:

      I would suggest not withdrawing from EPF unless necessary.
      From SMS it seems that the accounts are till 31-03-2014. So it would not have details about Apr 2014-2015.
      I would suggest you get your EPF passbook. It will show all the information you require.
      Regarding passbokL On 30 Nov 2012 EPFO launched e-passbook facility. The online EPF or EPF ePassbook is an online version of the employee’s provident fund account. You need to register at members.epfoservices.in to get the passbook. Or if you have UAN then also you can see the passbook.

      EPF accounting year starts from March and ends on February but interest will be credited on April every year.

  73. M Singh says:

    I had worked for a company from 2010 to 2013. I have since resigned and I am currently working abroad.
    I am now planning to withdraw my EPF and EPS during FY15-16. With this withdrawal my income during FY15-16 will be less than the taxable limit. I had claimed 80c exemption on EPF in each year of employment

    Considering this scenario, I would appreciate it if someone could clarify the following questions regarding my tax liability and declaration of the same on ITR1.

    1. Will I be liable to pay any tax on employee’s contribution to EPF (for which 80c exemption had been claimed during previous years) even though my total income in the current financial year is less than taxable limit?

    2. If answer to point 1 is yes, I recomputed my income in each of financial year (by reversing the 80c exemption claimed on EPF) and found that I would have been liable to pay tax only in the 2nd year of my employment. Would tax liability on employee’s contribution comprise of only this amount (from the 2nd year)?

    3. Based on point 1 and 2 if I am liable to pay tax how would I declare this on ITR1? I understand that the employer’s contribution and interest on the same can be filled under Heads Salary and interest on employee’s contribution can be filled under Income from other sources on ITR1.
    Any TDS deducted on the withdrawal or tax paid would automatically be computed as a refund on ITR1 (since my total income is lower than the taxable limit).
    Is there a provision to declare the employee’s contribution?

    • M Singh says:

      I would appreciate it if someone could provide feedback regarding my queries.

    • Kirti says:

      Apologies Sir for delay in replying we missed the question somehow.

      1. If you have contributed for less than 5 years TDS will be deducted and if your taxable income is less than limit then to ask for TDS deducted you would have to file Income Tax Return for refund.
      As you have only contributed from 2010-2013 assuming you did not work in another company before this when you withdraw TDS would be deducted.

      Tax on PF can be broken into three parts:

      1. Total contribution by the employer plus interest (not taxed earlier) will be taxed under the head ‘profits in lieu of salary’.

      2. You will be taxed on the amount of tax benefit claimed for your contribution of EPF under 80C.

      3. Interest received on your own contribution to EPF will be taxed as ‘income from other sources’.

  74. Raj Kishore says:

    Hi Sir,

    Can a present company transfer an employees previous pf amount to current current company Using by UAN number. If so or if not….. what are the procedures at present I would like to know. If a present employer can transfer easily of an employees previous PF amount to their current company…… Can they present company transfer the amount without any consent of previous company ?

    I need as on date updates 26-03-2015

    • Kirti says:

      Hello Sir,
      Till Oct 2014 every employee had a Provident Fund (PF) account number which was associated with the employer. Change of job meant another Provident Fund number. It involved transferring from one account number to another. Multiple account numbers have been a major area of concern as a majority of grievances of employees are related to transfer of funds from one account number to another.

      To address this problem EPFO has launched a Universal Account Number (UAN) driven Member Portal to provide a number of facilities to its members through a single window. Member has to activate his registration to avail various facilities such as UAN card download, member passbook download, updation of KYC information, listing all his member ids to UAN, file and view transfer claim. It is a major improvement by EPFO.

      How will UAN help you?
      No need for fund transfer: Earlier, transferring EPF account from one employer account to another was a tedious process. But the UAN will do away with the need to transfer your funds at all. All you have to do is furnish your UAN and KYC details to new employer. Once the new employer verifies these details, the money from the older account will get transferred to the new account. But for old accounts (opened before the allotment of UAN), you still need to apply for funds transfer either in digital or physical form.
      No employee involvement in withdrawals: At present any request for EPF withdrawal has to be signed by your previous employer and then sent to the EPFO. There would be no need for transfer requests as money lying at your previous account would automatically get transferred to your new account once your present employer verifies your KYC details.

      So if you have a UAN number you can transfer your old EPF account to new employer. Our article UAN or Universal Account Number and Registration of UAN explains it in detail.

  75. Raj Kishore says:

    Hi Sir,

    Can a present company transfer an employees previous pf amount to current current company Using by UAN number. If so or if not….. what are the procedures at present I would like to know. If a present employer can transfer easily of an employees previous PF amount to their current company…… Can they present company transfer the amount without any consent of previous company ?

  76. Nikhil says:

    Hi ,
    I have currently working in pune. I have already resigned and going to start my own business.I heard that there is some new rule implemented by govt and we can’t withdraw amount from my PF account. My pf account is in Mumbai thane and I am working with this company from last 7 years.

    Thanks in advance for your help.

    • admin says:

      Thanks Nikhil for your query.
      It is considered illegal to withdraw from EPF if one is working. As you have left the job then you can start the withdrawal process after two months of leaving the job

  77. anil kumar b says:

    I have worked incentral Govt organisation for 5 years. after that i resigned and joined in other PSU organisation. My PF amount is maintaining by Central Recordkeeping Agency(CRA, NSDL). I want to withdraw my amount. kindly suggest me in this regard.

    • admin says:

      From what I found out, Central Recordkeeping Agency (CRA) is the agency for the New Pension System (NPS). The NPS was introduced by Government of India for its new recruits (except the Armed Forces) w.e.f. January 1, 2004. More information on NPS is available at Wikipedia:NPS and NSDL:CRA
      NPS scheme is structured into two tiers:
      Tier-I account: This NPS account does not allow premature withdrawal and is available from 1st May, 2009
      Tier-II account: The tier-II NPS account permits withdrawal.
      As NPS is different from EPF different rules would apply. Please us know if you know something different.

  78. anil kumar b says:

    I have worked in a central government organisation for 5 years. I resigned and joined in some other organisation. My PF amount is maintaining by central Recordkeeping agency(CRA, NSDL). I want to withdraw my PF amount. Please suggest me in this regard.

  79. Deval says:

    Very Nice Article !!
    Please suggest what should I do? Here is my situation:
    I worked for HP Bangalore for 4 years (HP maintains HP’s PF Trust), after that I left HP and did Full time MBA (Duration- 2 years). Now I joined a new company in Gurgaon which created my new PF account with Govt. EPF.
    Since my amount is still with HP’s Trust(This is 6th Year), should I transfer my amount to new PF account?
    Or Should I withdraw PF amount?? In the case of withdrawal, will my amount attract taxes as I completed only 4 years with HP( For exclusion of taxes it is mandatory to complete 5 year membership with trust) or Zero taxes as I completed 6 year of membership (4 years job + 2 years MBA)?
    Since I skeptical of EPF transfer from one company to another ..it takes hell lot of time and then also no guarantee that your amount will get transfer and what happen if I switch to one company to another ..all the time my money will be stuck..

    • admin says:

      Thanks Deval.
      As discussed in our article Withdrawal from EPF,EPS
      In case you are a member of recognized provident fund it depends on if contribution is over 5 years or not, including transfers from different companies. For ex: an employee who has worked with X company for say 3 years, then he resigned from that organisation and joined Y company, wherein he worked for 2 years, then resigned from there to join establishment for 2 years but during these 7 years of service he has not withdrawn but transferred his Employee provident fund, then we say continuous service of 7 years.
      So you would have only 4 year of membership.
      Don’t be so skeptical of EPF transfer, with automation it is getting faster and transparent.

  80. Ruchi Mungre says:

    Hello,

    I am facing a serious typical case of PF withdrawal. I had left my previous organisation in July 2011 and submitted PF withdrawal form for the same. From last 7-8 months company is telling me that the form is in process, but now I came to know that in my account, they had deposited some other employee’s amount, because of which I cannot withdraw my amount.

    Can some one please help me in this. Now what should I do to rectify this problem.

    • admin says:

      It seems RTI is one of the alternative that you can try.
      As mentioned in EPF article,
      Jagoinvestor article on RTI for EPF Withdrawl and Transfer issue (Mar 2012) talks about how one can file a RTI(Right to Information) if one is unclear about what your EPF status is or if one’s EPF transfer work has even started? Why did one’s EPF money still not credited in bank account etc etc… You can ask all these questions and you should be getting the 100% right and clear answers within 30 days.
      Please go through the steps in detail if interested in filing RTI.

      Best of Luck – Hope you are able to withdraw your EPF. Please let us know about your actions and status updates, as help for readers.

  81. Hello! I just now would want to give a large thumbs up for your great information you may have here during this post. I’ll be returning to your blog to get more detailed soon.

  82. Rajesh E P says:

    Hi

    I worked in one company in Bangalore from Nov 2008 till March 2010.In April 2010 my company transferred me to its sister concern and their they created a new account.My new company themselves initiated the PF transfer process. My admin in the first company informed me in march 2011 that my pf amount got transferred to new account.When I checked my PF balance in old account i got the message that my account is settled.Then i checked the claim status of my old account, it shows that transfer for account got approved.In May 2011 i left my second company and in may 2012 i submitted the application to withdraw my PF. within 23 days i got the message that amount is credited in my bank account. But the amount that got credited was much less that what it should have been. From the details i have, i understand that they have only credited amount only from my second company. Whatever i transfered is not credited.I checked the claim status of my second account.i could see 2 claim ids. one is for withdrawal which says it is approved and the other for trasfering to new account it says it is under process. Please let me know how to proceed to get my full amount.

  83. ketanmorekar says:

    Hi, i just want to know that i left my service in 2006 and i have not submited my pf form and even not take my seetlement from company but after 6 years i give call to ex-employer for pf they says they do not have any record and u will not get pf. pls suggest me is any other way to get pf after 6 yrs and getting stamp from employer

  84. Munish Katyal says:

    I had worked in a company in Mohali for 6 years and my PF was getting deposited in Chandigarh PF office. I left the Mohali job in July 2010 and joined a company in Noida same month. While joining new job, i choose to transfer the PF account. I filled all the forms in new company and the finance person of company told me that a new PF account will be created with Delhi EPF office and my transfer form is sent to PF office. I was getting the salary from my Noida company and PF was getting deducted from salary.
    Due to some reason, i have to leave the Noida job on August 2011 and i started looking for new job in Gurgaon. I joined a new company in Gurgaon in Nov 2011 and again choosen the option to transfer the previous PF balance.
    I come to know that i can check my PF balance online. So i checked and found that my Chandigarh PF account is still there and not transfered to Delhi PF account (noida job). So currently i am having 3 different PF account, one in Chandigarh (my first job), second in Delhi (second Noida job) and third Gurgaon one.

    What is best for me. Please advice

    • admin says:

      Please consolidate all your EPFs to one. Contact finance dept. of your current job with all the details and they would help you. For they would be submitting the forms for EPF transfer.
      We would be obliged if you can update our readers on what you did.

      • Munish Katyal says:

        I have filed an E-ticket in the company and i got reply:

        Dear Munish,

        Thank you for raising E-Ticket.

        We will not be able to check transfer amount as the PF dept doesn’t entertain third party.

        Hence request you directly contact PF dept directly.

        • admin says:

          Thanks Munish for getting back to us.
          Your company rightly said that will not be able to check transfer amount as the PF dept doesn’t entertain third party. You yourself has checked for your Chandigarh account.
          You should raise the ticket for transferring the old EPF accounts to your new account.

          • Munish Katyal says:

            I have asked about the status of my Form 13 in my current company. If they have forwarded the same. Also i have logged an grievance in EPFIGMS

          • admin says:

            Thanks a lot for updating us Manish. Hope you hear from EPFIGMS - the grievance website of EPF. Keep us posted.

  85. Zaid says:

    I am migrating to another country. I have completed 5 years of service with my current employer. I plan to withdraw my PF after a year (hopefully dollar will cool down a bit by then). Will my PF withdrawal be tax free at that time even if I have moved out of India this year? My company has a trust PF account. I am not leaving the company. I have managed to get a transfer to my company’s office in my new adopted country.

    • admin says:

      Zaid technically it is illegal to withdraw from EPF if one is employed. But we have seen that people are able to withdraw after submitting application after 2 months of leaving the service.
      If you have worked for 5 years then your withdrawl will be Tax-free.
      Please check with your company’s finance dept. and update us. Our readers and we will appreciate it.

  86. vasantha Srinivasan says:

    Withdrawal Of EPF- i was working with Delhi Public School,Nerul,Navi Mumbai from 2006 June to November,2007.I resigned the job by November and now settled in Hyderabad, A.P.The DPS,Nerul said my EPF amount has been credited and check your bank account. Found no amount has been credited via cheque from EPF. Office.When i approached the EPF-Office Washi, gave some details of cheques that have been credited. From the details given it was notived that the Bank account number was not the correct one and this may be the reason obviously the amount has not been credited and not sure it is the mistake of EPF Office or DPS,Nerul management.How everit’s been 5 years now and I have not received any amount till date.N number of request applications through cowrier, registered post email have been sent to both of them. I do not know my EPF account number also as it is been maintained by the School.
    Kindly suggest what can be done, who wpuld be the right contact to approach for this issue.

    • admin says:

      Sorry to hear about your experience Vasantha. I am not sure what steps you can take if the money is transferred and EPF account is closed and you do not even know your EPF number.

      You might try the RTI act. Link at jagoinvestor might help.

      You can learn something from the mistake- Please get all the details related to finance.
      Please keep us updated about your action!

  87. Prateek says:

    Hi,

    I have worked in a company for 22 months and will be going for higher education for 2 years. I have 2 queries :

    1. If I withdraw the PF now and TDS is deducted, even though I am unemployed, my earning this year wont cross the 2 lakh limit by much, so can I file a return and get the refund ?

    2. Also, as it is mentioned, that one should be in service for 5 years. Now, if I dont withdraw the PF, and it is dormant for 2 years when I am studying, will these 2 years also be counted in the 5 years ? Or do I need to be employed for 5 years ?

    Thanks.

    • admin says:

      1. Yes you can file a return and get refund. Please check that if you have claimed some 80C section on EPF that might get reversed and you would have to pay tax on it.

      2. But logically speaking you should be able to transfer your dormant account or make it active and these 2 years would BE counted.
      It’s better if you also talk to your company Finance dept and a Charted Accountant. In any case it would help our readers if you could update us with your findings.

  88. Gaurav says:

    Hi

    I am leaving the company after around 3 years of service, for higher education and will be joining a new job after roughly 2 years.

    My query is can i keep the amount with my current employer and transfer it when i join my new job??

  89. Can i withdraw my pf amount for my grandfather operation purpose in the period of servicing present company.

  90. Niresh says:

    Hi,

    I joined in a company X on 2008. Another company Y acquired X on 2011.

    Company Y created new PF account for me. Now I have 2 PF accounts. Now my company Y asked me to transfer PF account from X to Y.

    I have planned to change the company now.

    Overall I have PF account for 4.5 years only. So if I withdraw the money then I need to pay tax.

    I have questions:
    1. If I change my job immediately to company Z. Can I directly transfer my both X & Y account to Z?

    2. Or else should I transfer account from X to Y and then Y to Z?

    What will be your suggestion?

    Thanks,
    Niresh

    • admin says:

      Our suggestion is transfer both the accounts to Z. No need to go through X to y and then Y to Z.
      Quoting from similar query at policywala
      If you’ve multiple PF accounts, there is a provision by which you can club the PF money from all your previous employer’s accounts and transfer the same to your current employer PF account number through ‘Form 13’. Example – Mohan worked in three companies — X, Y and Z — before joining current employer, W. Mohan will need to submit three separate ‘Form 13’s (for previous employers – X, Y and Z) to current employer, W. The current employer W will then get accumulated PF balances transferred to current PF account number being maintained with W.
      Niresh please keep us updated so that other reader benefit!

  91. vinesh gupta says:

    Hi,
    I have left my old company 1 yrs back and now planning to transfer my pf amount from old company to new company i have heard that it takes about 6 to 8 months to transfer PF amount i have one simple Question what will happen to my transfer request if i leave the current company also before the amount is transferred to my current pf account but request for transfer is processed by current company will it still get transferred or request is cancelled.
    Thanks in advance.

    • admin says:

      Vinesh Now with use of technology it is fast (some even have got in 2-3 months). For an EPFO office your account is with a particular company till it is closed or withdrawn. If you leave the current company the transfer would still get through.

  92. Alok Mishra says:

    Hello,

    Thanks for your wonderful post. Its exactly what I was looking for! But I have a small question for you, if you have the time.
    I resigned from my previous job last year. About 2 months ago, I submitted my PF withdrawal forms at the PF office in Bangalore. Yesterday I got my PF money, but I noticed that its lesser than what I had estimated, After some rough calculations, I found out that the Pension fund money has not been credited.
    I checked the photocopies of the forms again, and to my horror, I found that the bank account number in the pension form (Form 10C) had missed a digit, and thus invalid. As you mentioned above, in this case, I should resubmit the form.

    So now, my question to you is, should I submit both the EPF form (Form 19) and the Pension Fund form (Form 10C), or just the form 10C since I have already got the money for EPF? Because the EPF form had the correct account number in it.

    • admin says:

      Thanks Alok. I must congratulate you for smart move of having photocopies of the submitted form. And congratulations for getting it in 2 months. I am still struggling in getting mine :-(
      Coming to your question, submission of form 10C only should be required. But it’s best to check with the HR dept of your ex-employer. Please keep us updated as it might benefit other readers.

      • Alok Mishra says:

        I went to the PF office at Richmond Circle in Bangalore. They instead gave me a new form called a re-authorization form in which there are fields to fill up for the correct bank details. It also needs to be attested by my previous employer. He also told me that only this form with a cancelled bank account cheque needs to be provided. No need to resubmit the forms again.

        • admin says:

          Thanks a lot for sharing with us. We really appreciate it. You are in Namma Bengalru -that’s good to know.
          Good to see that you took the action. Hopefully you will be rewarded soon!
          Googled and found that Reauthorization form needs to be submitted when the bank account number mentioned in form is Invalid as was in your case.
          Could you let us know atleast what you filled in . If you could tell us more about the process others we would be obliged.
          Ref:citehr
          1) What details need to fill in reference section (e.g. intimation No.)
          2) what need to be fiilled in the sentence “AG under copy to the undersigned”.

          • Alok Mishra says:

            The form is pretty straight forward for the bangalore PF office. I never had to fill the details you have mentioned. (maybe they have different forms?) You have to fill up the PF account number that is already known. And of course the correct name, bank address and account number with the seal and signature of the employer who attests to verify your signature in this form which is mandatory. The official there told me that they will fill up the rest of the columns.

          • admin says:

            Thanks a lot Alok for sharing. Just be careful of them filling rest of columns..
            I did the same and in EPS withdrawal form they check want pension certificate. As I did not meet the criteria(service less than 5 years and age less than 50) my application got rejected. Had to submit another form!

  93. aniruddha roy says:

    Hi
    I have worked in a giant mnc for 5 yrs.I have resigned in 2012 and joined in a smaller mnc with a better salary. I have almost 8-9 lacs of epfo deposited in my old company epfo account.
    My question is should-
    1)I transfer my epfo or should i withdraw the money and put the money in a Fixed deposit.
    2)I am scared that probably it is easier for me to withdraw my epfo from a bigger company than a smaller company?
    3) If i didnt withdraw the money but transferred the money in my new company and then I die will it be easy for my family to get that money?
    Kindly suggest my queries.
    Aniruddha

    • admin says:

      Very thought provoking questions and I can understand your confusion. I don’t think size of the company matters in withdrawing from EPF. Though logically it should not be difficult to withdraw money by family after one’s death but as government is involved We never know-how much time would they take? But with EPF moving the online way I think soon that would get streamlined.

      I tried to place myself in your shoes to come up with a suggestion. One question I have is how many more years do you intend to continue working? For 8 to 8.5% tax free return is a good investment procedure with bonus of employer’s contribution too. If young (less than 50) I think I would transfer the EPF account.

      Hope we have been able to help you. Please keep us updated about your decision and how difficult it was to withdraw or transfer money from EPF?

    • niranjan reddy pedditi says:

      Hi
      Mrs.Anirudha roy, its better to claim your pf amount and fix it in your bank, and join in small mnc for new epf a/c

  94. Rajesh M says:

    I had resigned from a job in 2005, & joined business for 2 yrs after which i rejoined a job in 2007. recently in 2011, i resigned & joined another job.
    I had not transferred my EPF from my companny in 2005 till now.
    can i do so now, as i’ve to transfer funds from 2 accounts.
    Pls advise…

    Best Rgds

    Rajesh
    Chennai

    • admin says:

      Yes Rajesh you can do so and Should do so ASAP. Quoting from citehr.com
      An Employee can have more than one PF accounts, But it is always recommended to transfer your amount to new PF account from previous one instead of withdrawing.

      Please keep us updating.

  95. Debayan says:

    Hi,

    Very nice post.

    Say I left company X on 2010 (acc with EPFO)and joined company Y (acc with company’s own trust). Now on 2012 I joined 3rd company Z (acc with EPFO).

    Now I have 2 question ..

    1. Could I have transfered my EPFO (of X) to company Y’s trust, any time say mid of 2011?

    2. As EPFO acc(of X) stopped, now after joining Z, Can I continue with same EPFO (of X). Or should I open New EPFO acc (at Z) and transfer all from earlier EPFO acc(of X) and trust acc (of Y)?

    Thanks!

    • admin says:

      Thanks Debayan.
      Q1: Could I have transfered my EPFO (of X) to company Y’s trust, any time say mid of 2011?
      Yes you could have transferred your EPF in mid 2011

      Q2:As EPFO acc(of X) stopped, now after joining Z, Can I continue with same EPFO (of X). Or should I open New EPFO acc (at Z) and transfer all from earlier EPFO acc(of X) and trust acc (of Y)?
      As EPF account is associated with the employer a new EPF account gets opened on joining a new organization.
      You can transfer from your earlier EPFO account of X.
      Regarding Trust account of Y it’s best you speak to your HR or Finance dept of Y company.
      I hope you know why you are hopping jobs. After a particular time HR doesn’t look Job hopping kindly.
      And when you are changing your jobs you are taking care of your old salary account and tax liability as we mentioned in our article Changing Jobs:Take Care Of Bank Account,Tax Liability

  96. Thirunavakarasu Mudaliar says:

    My Question is whether we can withdraw the pension along with epf when we leave a fir?

  97. [...] our earlier posts on Employee Provident Fund Basics of Employee Provident Fund: EPF, EPS, EDLIS, Withdrawal or Transfer of Employee Provident Fund. For employees who are covered under PF, besides their compulsory contribution to PF(Employee [...]

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