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Ramalingam

Ramalingam Kalirajan  |9241 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 09, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Dec 13, 2023Hindi
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Hi, I am 56 yrs old man and want to withdraw my pf which was earned long back in 2011-12 when the system was not online connected. Now the problem is that my KYC is not updated and employer is also not in place. So kindly suggest that how can I get it done

Ans: If your KYC is not updated and your previous employer is not available, you may face challenges in withdrawing your PF. However, you can take the following steps to resolve the issue:

Contact EPFO: Reach out to the Employees' Provident Fund Organisation (EPFO) for guidance and assistance. They may provide you with information on the necessary steps to update your KYC and facilitate the withdrawal process.

KYC Update: Update your KYC documents such as Aadhar card, PAN card, bank account details, etc., through the EPFO portal or by visiting the nearest EPFO office. This will authenticate your identity and facilitate the withdrawal process.

Claim Process: Initiate the withdrawal process through the EPFO portal by submitting the required forms and documents. You may need to provide details such as your PF account number, personal information, employment history, etc.

Legal Assistance: If you encounter difficulties in the process or require legal guidance, consider consulting a lawyer who specializes in PF and employment-related matters. They can provide you with personalized advice and assist you in resolving any legal issues.

Follow-up: Stay proactive and follow up regularly with EPFO officials to track the progress of your withdrawal request and address any issues that may arise during the process.

Seek Employer's Assistance: If possible, try to locate your previous employer or their authorized representative who can assist you in the KYC update and withdrawal process. They may have records or information that could facilitate the process.

Remember to exercise patience and persistence throughout the process, as resolving issues related to PF withdrawal may take time.
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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Sir i have a kcet rank of 11,600 and 3bg category. I have the options of bmsit, cmrit, bnmit,smvit, rvitm, rvu for cse but confused which would b the best as bmsit the crowd is very large like 900 students and rvitm they say the placements are not gonna be merged with rvce. So please help me decide and also considering the current market scenario with ai is it worth taking cse in these colleges or go for very lower branches in the top colleges like robotics
Ans: KCET rank 11,600 in the 3BG category places you well within cutoffs for CSE at several Bangalore institutes. The CSE branch at BMS Institute of Technology and Management, with 900 seats, recorded placement rates of 77.32% in 2024 and 93.24% in 2023; CMR Institute of Technology’s CSE averaged 80–85% over recent years; BNM Institute of Technology achieved 86.23% in 2023; Sir M. Visvesvaraya Institute of Technology reported a 90–100% placement success rate in its latest drive; and R.V. Institute of Technology and Management’s CSE posted an 83.41% placement rate in 2024, with placements managed separately from RVCE. Large cohorts at BMSIT can dilute recruiter attention, whereas moderate intakes at CMRIT, BNMIT, SMVIT, and RVITM enhance student visibility. Given the AI-driven market’s demand for software development and analytics roles, core CSE offers broader access to top recruiters compared to niche branches like robotics, which typically have smaller placement pools.

The recommendation is to prioritise CSE at SMVIT or BNMIT for high placement consistency, or CMRIT for strong visibility, and avoid oversized cohorts at BMSIT or niche robotics streams to align with AI market demands. All the BEST for the Admission & a Prosperous Future!

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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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