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Help! I Have 2 PF Accounts with 1 UAN and Worked 5 Years Each – Can I Withdraw Both Pension Amounts?

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 28, 2024

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by xavier on Oct 10, 2024Hindi

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2 pf account with one UAN ,1st company 5 years and 2nd company 5 years ,want to withdraw both pension amount?

Ans: Hello;

If it is a continuous stretch of 5+5 years (120 months) service without any gap then you can't withdraw EPS.

Best wishes;

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Question by Manik - Dec 28, 2023Hindi

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Hi Sir, I Have already posted one question, but not finding any correct answer. Again raising same question. I am 57 years old, have completed 10+ year service in 2 different private job with two different PF number, that time UAN was not in system. and in both company I am eligible for Pension. And I am not in service from last 3 years. Now my question is how can avail pension scheme? can apply for pension separately from both company or still any chance it will merge and avail pension in one account only?

Ans: Claiming Pension from Two PF Accounts:

Separate Claims: Unfortunately, merging separate PF accounts is currently not possible. However, you can apply for pension benefits separately from both accounts.
Eligibility: Based on your age and service time, you seem eligible for the Employees' Pension Scheme (EPS) pension from both accounts. You likely need to complete 10 years of service under EPS to be eligible.

Process:

Gather Documents: Collect your PF account passbooks/statements and UANs (if linked). If you don't have UANs, get them activated for each account.

Contact EPFO Offices: Locate the EPFO offices responsible for your areas based on your last place of employment in each company. Visit or contact them (phone/email) and explain your situation. Provide your UANs or PF member IDs for faster processing.

Claim Forms: The EPFO officials will guide you on the specific claim forms for each account. Fill them out accurately and submit them with required documents.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 22, 2024

Asked by Anonymous - Sep 21, 2024Hindi

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Hi Sir iam working in private org almost 11 year and having 2 PF account with same UAN, now I left the org and want to withdraw complete Pf amount including PF pesion , is that possible?

Ans: If you have 2 EPF accounts, but only one UAN. You can merge your EPF accounts and withdraw your money by following these steps:
Transfer the balances from your old accounts to your most recent account.
Merge your old and new accounts into one account and UAN.
Complete KYC (Know Your Customer) by verifying your bank account, PAN, and other information.
Fill out Form 19 to start the EPF corpus withdrawal process.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 26, 2024

Asked by Anonymous - Sep 22, 2024Hindi

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Hi Sir iam working in private org almost 11 year and having 2 PF account with same UAN, now I left the org and want to withdraw complete Pf amount including PF pension , is that possible?already transferred amount from previous to current company , but I want complete amount withdrawal including pension amount , is that possible

Ans: No.

The pension(EPS) amount is withdrawable only if the employee's service period is less than 10 years.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 28, 2024

Asked by Anonymous - Nov 28, 2024Hindi

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i have 2 UAN number 1 UAN served 8 years and 2nd UAN which is active from 8 years. Accidentally i ended up withdrawing pension when i left org where 1 UAN was there after transferring my PF to 2nd company where new UAN was created . Now state is PF is transferred to 2nd company with UAN1 and pension is withdrawn. Now further i am unable to transfer my pf from 2nd company to third where as both PF accounts are under UAN2. My pf transfer always gets rejected saying i need to transfer my pension first , where as pension is withdrawn. when i met PF office i am not getting any useful help to move further

Ans: Hello;

Your case is peculiar therefore I recommend you to please consult a lawyer specializing in labour/EPF laws or an EPF consultant for help regarding your issue.

Best wishes;

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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