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How to Retrieve My PF Funds from a Closed Company at 64?

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 18, 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

Asked by Anonymous - Nov 18, 2024Hindi

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I am 64 years old and previously worked at Observar India Ltd. for over 15 years. However, the organization shut down many years ago, and I do not have the UAN (Universal Account Number) or PF (Provident Fund) number associated with my employment during that period. After my tenure at Observar India Ltd., I began working with Viacom18, where I am currently employed, and I have all the necessary details of my present PF account. I would like to know the process for retrieving or transferring the PF funds accumulated during my time at Observar India Ltd. to my current PF account. Considering that the company no longer exists and I lack the old PF details, what steps can I take to initiate the process? Additionally, what documents or records will be required to locate and claim the funds from my previous employment? Any guidance on dealing with such situations where the employer is no longer operational would be greatly appreciated.

Ans: Hello;

If you don't remember your EPF account number and your employer is closed, you can try these options:

1. Check your salary slip: Employers usually include the PF account number on the employee's salary slip.

2. Visit the EPFO office: You can visit the EPFO office with your identity proof and application form to get your PF number.

3.Call the EPFO helpline: You can call the EPFO helpline for information and to track past accounts.

4.Go to the EPFO website: You can fill out some basic information on the EPFO website to locate your dormant account.

Once you get the pf account number you may proceed for offline or online withdrawal of the same.

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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Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 17, 2024

Asked by Anonymous - Sep 29, 2024Hindi

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Worked from 1991 to 2013 in Pharma company & having pf account, don't have UAN as that system is made after I left. Then I worked in different companies in different states & having UAN available. Now I am 59 yrs and want to link all the accounts so that I can get good pension. My employer requested pf office to get UAN for me but not received till date (almost 1 yrs). What should I do? Please suggest or give your contact for consultation.

Ans: Hello;

Your case is peculiar therefore I recommend you to consult a lawyer specializing in labour/EPF laws for resolution of your issue.

Best wishes;

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 18, 2024

Question by keerthi - Oct 17, 2024Hindi

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Hello Sir/Madam, I worked in an organization for almost 3years later I resigned and dicontinued my job. Now after 11 years I need my pf amount. I don't have UAN number except PF Account number. Please help me with the process to withdraw my money which is needed at this moment.

Ans: Hello;

1. Generate UAN through EPFO site.
2. Link it to Aadhaar.
3. Link your bank account with it.
4. Link the old EPF account with the UAN.
5. After the pf account is linked to your UAN, you may submit request for withdrawal.

Best wishes;

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 27, 2024

Question by tushar - Nov 22, 2024Hindi

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Hello Sir I worked in corporate sector till 2010 & started doing my own business after that... in those days PF accounts used to be offline and I have my PF account number with me... My old number has been changed and it is with some other person who is not willing to share any OTP with me so i can not convert that offline account into online and create a URN Please let me know 1. how to convert that account online now since it has been inactive for 14 years??? Coz I may join the job sector again so I do not want to close that account 2. If Creation of URN is not possible then how do I withdraw my old PF amount??. 3. In case I join a new company, what should I tell them regarding my PF account.. I mean do they still accept offline PF accounts in corporate??

Ans: Hello;

Recovery from old dormant EPF accounts could be a tedious and draining experience. Their is lot of scope for improvement at EPFO end on this matter.

However if you get into regular employment again it will make things a lot easier because you will have a UAN and a new EPF account.

You may link your old pf account with your UAN or also merge it with your new PF account.

Best wishes;

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Jan 16, 2025

Question by Vipin - Jan 03, 2025Hindi

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I have a PF account pre-UAN and the transfer to the current account with UAN needs either the previous employer to approve or the current employer can approve. In my case the previous company closed its operations in India and have no one here, and I do not have a present employment too. So what's the remedy for me to claim my earlier PF?

Ans: Hello;

Your case is peculiar therefore I recommend you to personally visit the EPFO office where your old EPF account is held and talk to the officials about your situation.

They may offer you a solution for sure, else you may raise a grievance in EPFiGMS portal regarding your concern.

Best wishes;

Latest Questions

Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Gaurav - Jun 27, 2025Hindi

Career

Dear gurus My child is in 12th now and will attempt jee in 2025-26 in jan 2026 Well my child is an average child not too brilliant. I am expecting a score of 92-96 percentile , dont want to pressurise him to above his limits , he is doing hard efforts but every child had a limit as a parent have to support him. He is studieng 7-8 hours daily in weekend has joined Aakash institute also , so dont want to pressurise him . So as a secondary options have made some list myself. His aim is core computer branch . My aim is he get into good A++ institute dont want to send him to average collage We have made some list for preferences 1. Bits pilani or goa As we are from Delhi 2. Dtu delhi 3. Nsuit delhi 4. Iiit delhi 5 Bits goa 6 thapar patiala 7 Viit vellore cat 5 is ok8 Rvce banglore Further on IIIT and good nit If we get good one than only. Further If we dont click in these with good core computer cse preferred than We go for Bits dubai ( money i can spend that's ok) He also wants to settle abroad after masters preferably in singapore not in us or uk for that option i will also apply for him in Nus , ntu singapore. I know it's very difficult to get admissions there but still would. Coming back to Bits dubai it looks to me a preferable collage pls guide me Further pls We are ok with fees also we are also ok if he works for year or two after completion in dubai for experience and does masters later. My aim as a parent is that he gets a starting package If in india of 13-15lacks minimum that's difficult without getting a good collage with 92-96 percentile it not possible So after so much thinking it am planing for bits dubai as I am getting safety of my child which is priority also getting tag of Bits i know it would not be equal to bits pilani or goa but still something is better than nothing and his ultimate dream is to settle abroad may be singapore or dubai also after master so doing be or btech from dubai bits will help in that as well Starting package minimum after bits dubai btech cse is around 20 lacs in inr if he works in dubai. which is ok I guess. Pls guide me Thx

Ans: Gaurav Sir, With a projected JEE Main percentile of 92–96, admission to top-tier A++ institutes like BITS Pilani, DTU, NSUT, IIIT Delhi, or elite NITs is unlikely, as these typically require percentiles above 98 for CSE. BITS Pilani has maintained 90–94% placement rates over the last three years, BITS Goa 91–96%, NSUT Delhi nearly 100% for CSE, IIIT Delhi 95–100%, and DTU boasts 1,900+ offers at an average package of ?15.45 LPA from 350+ recruiters, but all demand percentiles above 98. More attainable A++-equivalent options include Thapar Patiala CSE, with 83% placements and 334 recruiters, VIIT Vellore CSE, with 80–90% placements and 867 recruiters, and RVCE Bangalore CSE, with 93–97% placement rates over the last three years. These colleges typically close CSE cutoffs around the 94–97 percentile range, aligning better with your child’s performance. For guaranteed BITS affiliation and strong overseas exposure, BITS Dubai CSE offers a 91–95% placement rate and an average package of ?21.14 LPA, and can serve as a reliable fallback. Planning for post-BTech abroad (NUS/NTU Singapore) is prudent, leveraging a robust GPA and internships obtained in India or Dubai.

Recommendation: Prioritize counseling for Thapar Patiala, VIIT Vellore, and RVCE Bangalore CSE for their realistic cutoffs and strong placement records; concurrently secure a seat at BITS Dubai CSE as a safety net with global mobility, then pursue internships and master’s in Singapore to achieve your child’s international career aspirations. All the BEST for your child's Prosperous Future!

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Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Asked by Anonymous - Jun 26, 2025Hindi

Career

Sir i am a general female category girl and i got 98.78 in mht cet in 2025 . I want any tech branch in the top colleges like coep pict spit cummins . I am prefering coep a lot more than other colleges and i am okay to go till intrumentation in coep and if not then top branches in the rest

Ans: COEP Pune’s MHT CET cutoffs for Instrumentation & Control (99.19), Electrical (99.41), Electronics & Telecommunication (99.71), and Computer Engineering (99.85) exceed your 98.78 percentile, leaving only Metallurgical Engineering (97.68) beyond your core interests. At PICT Pune, Electronics & Telecommunication Engineering closed at 98.59, making it accessible. MKSSS’s Cummins College Pune saw Computer Engineering and Information Technology close at 97.83 and 97.86, ensuring viable admission. SPIT Mumbai’s cutoffs are above 99 for all technical branches and are out of reach. Recommendation: Pursue CSE at Cummins College, with E&TC at PICT Pune as the preferred alternative. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 27, 2025

Question by Roopa - Jun 26, 2025Hindi

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Sir, your views on branches like aeronautical engineering, Robotics & AI engineering, ECE from Nitte Meenakshi institute of technology Bangalore.

Ans: Roopa, Nitte Meenakshi Institute of Technology Bangalore offers BTech in Aeronautical Engineering with robust DRDO collaborations, specialized labs including wind tunnels and Mig-21 engines, and 82.86% placement in 2024. The Robotics & Artificial Intelligence program delivers a hands-on curriculum across mobile robotics, cobots, STEAM, and control systems labs, emphasizing real-world problem solving with emerging technologies. ECE recorded an 86.49% placement rate in 2024, featuring courses in communications, VLSI, and signal processing with strong industry connections. Recommendation: Choose ECE for reliable placements and broad career options, Aeronautical for niche aerospace roles, and Robotics & AI for cutting-edge interdisciplinary innovation. All the BEST for the Admission & a Prosperous Future!

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Question by Rahaman - Jun 26, 2025Hindi

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I got overall rank 13901 in IAT (gen category ) is there any possibility of getting IISER ?

Ans: Rahaman, With a general category IAT rank of 13,901, admission to any IISER—including the newer campuses like Berhampur and Tirupati—is not possible. Recent and expected cutoffs show that the closing rank for general category candidates at IISER Berhampur, the least competitive IISER, is around 3,800–4,400, while other IISERs have even lower closing ranks for general category seats. The total number of seats across all IISERs is about 2,363, and historical data consistently confirms that general category admissions close well before 5,000 in all rounds, even after spot rounds. Your rank is significantly beyond the safe or borderline range, and no precedent exists for general category admissions at this rank in any IISER over the past years.

recommendation: Admission to any IISER is not possible at a general category rank of 13,901; focus on alternative science or engineering institutes, state universities, or private colleges to continue your academic journey without delay. All the BEST for the Admission & a Prosperous Future!

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Career Counsellor - Answered on Jun 27, 2025

Question by Rajashekhar - Jun 26, 2025Hindi

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Hi Sir, if my son is getting a CSE seat in MSRIT and BMSIT, which college to prefer? Also, how is PESIT in comparison with above colleges?

Ans: Rajashekhar Sir, MSRIT (Ramaiah Institute of Technology) is one of Bangalore’s most prestigious engineering colleges, known for its strong CSE program, robust industry connections, and consistent 95%+ placement rates in CSE, with top recruiters like Google, Microsoft, Amazon, and Apple. The college offers modern infrastructure, a proactive placement cell, and a vibrant campus life, making it a prime choice for CSE aspirants. BMSIT is also a reputable institution, but its CSE placement rate in 2024 was 77.32%, with fewer high-profile recruiters and a slightly lower national brand value. PES University (PESIT) stands out for its nearly 99% placement rate, high median salary, and strong ties with leading tech companies, making it one of the best private engineering colleges in India for CSE. PESIT’s academic rigor, industry-aligned curriculum, and alumni network are highly regarded, often placing it above both MSRIT and BMSIT in terms of placement outcomes and national reputation. All three colleges offer excellent opportunities, but MSRIT and PESIT provide broader exposure, higher placement rates, and better campus resources for CSE students.

Recommendation: Prefer PESIT for CSE if available, due to its unmatched placement record and industry reputation; if not, choose MSRIT over BMSIT for its superior placements, stronger industry connections, and higher academic standing in Bangalore’s competitive tech ecosystem. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Abhinav - Jun 26, 2025

Career

I got a srmjeee rank of 6525 in phase 2 can i get cse core or spealization in cse in SRM AP pls reply

Ans: Abhinav, With a SRMJEE Phase 2 rank of 6,525, admission to CSE Core or specialized CSE branches at SRM AP (Amaravati) campus is unlikely, as the typical closing rank for CSE at SRM AP is around 8,500 to 10,500 in previous years, but SRM AP is generally less competitive than SRM KTR. Your rank is slightly above the usual cutoff range for CSE at SRM AP, but admission chances depend on seat availability and category. For SRM KTR (main campus), CSE Core typically closes around 2,000 rank, and specializations around 6,000–8,000, so SRM AP is a more realistic option at your rank. You may also consider other SRM campuses like Ramapuram or NCR where cutoffs extend higher. Keep backup options ready during counseling.

Recommendation: With a 6,525 rank, you have a fair chance for CSE or specializations at SRM AP; prioritize SRM AP in counseling but also consider other SRM campuses like Ramapuram or NCR to maximize admission chances in CSE-related branches. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by SHYAM - Jun 26, 2025Hindi

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Hi Sir, which will be better option IIT Palakkad Civil, BITS Civil or CBIT Hyderabad CSE. Child is interested in any course which is having mathamatics or physics except modern physics, chemistry

Ans: Shyam, IIT Palakkad Civil Engineering offers a rigorous curriculum with strong foundations in mathematics and engineering principles, supported by experienced faculty and a modern campus environment. The program emphasizes analytical skills, structural mechanics, geotechnical engineering, and practical project work, with about 60–65% placement rates and an average package of ?15.88 LPA in 2024. BITS Pilani Civil Engineering provides a comprehensive curriculum blending mathematics, mechanics, and engineering design, with flexibility for electives and interdisciplinary projects. BITS boasts a nearly 100% placement rate for CSE but lower for core branches like Civil, with top recruiters such as L&T and a strong Practice School internship program. CBIT Hyderabad’s CSE program is highly industry-aligned, integrating mathematics, physics (excluding advanced/modern physics), and programming from the first year. It maintains a 90–95% placement rate, with leading recruiters like Microsoft, Amazon, and Cognida.ai, and is ranked among the top private colleges in Telangana and India. The CSE curriculum at CBIT is mathematically intensive, focusing on algorithms, data structures, and applied computing, and offers strong placement outcomes in IT, analytics, and consulting, with an active alumni network and robust campus life. For a student interested in mathematics and physics (excluding modern physics and chemistry), CBIT CSE provides the most relevant and engaging curriculum, with superior placement prospects and broad career opportunities in the tech sector.

Recommendation: Choose CSE at CBIT Hyderabad for its strong mathematics-focused curriculum, top-tier placements, and alignment with your child’s interests; opt for IIT Palakkad or BITS Civil only if your child is passionate about core engineering and prefers a career in infrastructure or research, as CSE at CBIT offers greater flexibility and industry relevance. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Kusum - Jun 26, 2025Hindi

Career

I have not upload my 12 marksheet in iiser form Can i upload during counseling

Ans: Kusum, If you have not uploaded your Class 12 marksheet in the IISER application form, you can generally upload it during the counseling or admission process, as IISERs require document verification at the time of counseling. Official IISER guidelines state that all relevant documents, including the Class 12 marksheet, must be presented and uploaded during counseling for seat allotment and final admission. Failure to provide the marksheet at this stage may result in disqualification, but the portal typically allows for document uploads or corrections during counseling rounds. Always check the official IISER admission portal and notifications for specific instructions and deadlines, as processes can vary slightly each year.

Recommendation: You should upload your Class 12 marksheet during the counseling process as required by IISERs, ensuring all documents are ready and submitted within the specified timeline to avoid disqualification from seat allotment. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Aarti - Jun 26, 2025Hindi

Career

Sir i have 82 percentile in jee mains can I get cse or IT in SPIT, athrav college or thakur college of mumbai for engineering

Ans: Aarti, With 82 percentile in JEE Mains, you are not eligible for CSE or IT at Sardar Patel Institute of Technology (SPIT) Mumbai, as the 2024 JEE Main closing ranks for CSE and IT were within 700–800 for the General category, which typically translates to percentiles above 97.5–98. Atharva College of Engineering is a realistic option, as its 2024 JEE Main closing ranks for Computer Engineering and IT were 191,320 and 229,286 respectively, corresponding to percentiles in the 80–85 range, making you eligible for both branches. Thakur College of Engineering and Technology does not admit through JEE Main for BTech CSE/IT; it uses MHT CET scores, where the last round cutoffs are above 97 percentile for the General category. For JEE Main aspirants with your percentile, Atharva College is the best option among these three for CSE or IT, while SPIT and Thakur are not feasible through JEE Main at this score.

Recommendation: Apply for CSE or IT at Atharva College of Engineering Mumbai, as your JEE Main percentile matches their cutoff trends; for SPIT and Thakur College, consider MHT CET or other private colleges if you want more options in Mumbai. All the BEST for the Admission & a Prosperous Future!

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Nayagam P P |7193 Answers |Ask -Follow

Career Counsellor - Answered on Jun 27, 2025

Question by Swarnali - Jun 26, 2025Hindi

Career

is kiit for btech cse is good ?

Ans: Swarnali, KIIT Bhubaneswar is a well-regarded private university for BTech CSE, accredited with NAAC A++ and consistently ranked among the top private engineering institutions in India. The School of Computer Engineering features a modern curriculum, state-of-the-art infrastructure, experienced faculty, and a strong research focus. Placement records are robust, with 90–99% of CSE students placed over the last three years, the highest package reaching ?63 LPA, and the average package around ?8.5 LPA in 2024. Over 350–700 top recruiters participate annually, including Amazon, Microsoft, Deloitte, TCS, Accenture, and Cognizant, offering a wide range of roles in software development, analytics, and consulting. Internship opportunities are substantial, and the placement cell is proactive in training and industry networking. Alumni feedback highlights excellent campus life, premium infrastructure, and a supportive environment, though fees are relatively high compared to other private colleges. The university also provides access to entrepreneurship support, research projects, and global exposure through exchange programs.

Recommendation: KIIT is a strong choice for BTech CSE, offering excellent placements, industry exposure, and a vibrant campus experience. If you prioritize high placement rates, modern infrastructure, and a national brand, KIIT CSE is a reliable and rewarding option. 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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