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Confused PF applicant with error code 520160 and two UANs - What should I do?

Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Sep 05, 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
Subhash Question by Subhash on Nov 28, 2023Hindi
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Have applied for pf withdrawal Has provided error code 520160 Have 2 uan Do i have to merge Prevous employer First source Solutions limited Bank icici bank Last employer tech mahindra Bank icici bank Should i change the bank to hdfc bank As have applied for first source solutions limited uan Or should one merge

Ans: Better is to merge the UANs
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

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on Dec 30, 2024

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Dear PF Experts, My daughter worked in 3 different organizations from 2011 to 2021 (one after the other without any gaps in service and without any overlaps also). She is not working now. When she was working in 3rd organization, she was able to get UAN. In this UAN, PF accounts of second organization and third organization are mapped/moved. Somehow, first organization’s PF account not moved to this UAN. My queries are:- 1) Can she move first organization’s PF account to the above UAN now? If so, what is the procedure to move? 2) Can she withdraw the full PF amount available in UAN now through online mode without moving first organization’s PF account to UAN and claim PF amount accumulated through first organization at a later date through offline mode? 3) Somewhere I read that even for claiming PF amount available in UAN, first we need to merge the accounts in UAN. Is it correct? When two accounts are already available in UAN, why merging is required? Not able to understand merging point clearly. If merging is required, how to merge the accounts? Or can she withdraw one after the other? It would be great if suitable advice / guidance is given to us. Best regards Murali Krishna
Ans: Hello;

Answers to your queries as given below:

1. Yes she may link First company pf with this UAN.

2. Yes, but it is advisable to withdraw entire pf in one go! The complexity of withdrawing from old pf account not linked to current UAN will only increase with time.

3. Merging multiple pf accounts under single UAN(active) is a simple online process(EPFO provides step by step guide on their website for the same, even other reliable resources are available). It is essential to do so before withdrawal.

Best wishes;

..Read more

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Dating, Relationships Expert - Answered on Mar 04, 2026

Asked by Anonymous - Jan 26, 2026Hindi
Relationship
Girls reject me because I am not so tall and handsome. I am 41, single. I have a 9 to 6 job earning 12 lakhs per annum. I lost my dad and live with my mother. My younger sister is married and has two kids. Somehow I have not been lucky with online dating. Girls reject me beause I am average in looks and salary. I am 5 ft 1 inch. I don't have any special talent or passion. I have tried to take up singing, art, dance, gym but it's not working for me. I go to temples with my mom, I do social work on weekends to keep myself positive and busy. When it comes to dating and marriage, it is disappointing sometimes. I am afraid to express myself to girls now. I don't judge anyone but how do I find someone who understands me, beyond my looks and salary. My mother is 64, I also need a companion. Is it too much to expect?
Ans: Dear Anonymous,
First let me reassure you that you are not asking for much. Wanting love and wanting someone who sees you beyond your looks and salary is very natural. You have faced rejections and it hurts; it does create a kind of fear, and right now that fear is stopping you from approaching anyone or hoping that someone will love you for who you are. It’s not the reality; it’s the fear speaking and it’s totally understandable. Let me address all the issues one by one. Yes, height can be important for some women, but not all. The ones who rejected you for it, were not meant for you. You don’t need everyone to accept you; you only need the right woman. Second, 12LPA salary is not average. The expectation online is very inflated. If you are doing an honest day’s work and earning a decent amount and taking care of your needs and your family’s as well, that does not make your earning average. Third, caring for your mother is your biggest strength in personality. You work, take care of your mom, do social work, and you are consistently trying to improve yourself. That’s far deeper than physical appearance. Now, I suggest that you stop trying to mold yourself into someone women would find attractive but rather continue working on yourself for yourself. That would spike your confidence and confidence is key. Most people, not just women, might be initially attracted to looks but for the longer run, they want someone who is dependable and responsible, and you are that. So next time you seek a partner, look for someone who is not only looking to date but to settle down. Someone who has the same clarity as you; someone mature, who understands the importance of strong character traits than mere physical appearance. Your frustration and fear is valid, but don’t let it make you go inside a shell. You deserve everything and you will get them.

Hope this helps.

...Read more

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