Lost EPF Contributions After Rejoining Old Job: What Can I Do?

Ans: As you have completed 5 years of job, amount will not be taxable on withdrawal

Ans: Dear Shashank,
If you are a teacher in a private school and your salary is more than Rs. 15,000 per month, then your employer is legally required to deduct EPF from your salary.

If you have not given your EPF number to your current school, you can still do so. This will allow them to start deducting EPF from your salary and crediting it to your EPF account.

Here are the steps you can take:-

1. Talk to your school's payroll administrator. Let them know that you want to start deducting your EPF and that you have an EPF account from your previous school.

2. Provide your school's payroll administrator with your EPF number. You can find your EPF number on your EPF passbook or by logging into your EPF account online.

3. Ask 12% of your basic your school's payroll administrator to start deducting salary towards EPF. Your employer will also contribute 12% of your basic salary towards EPF.

It is important to note that your employer cannot deduct EPF from your salary retrospectively. This means that you will not be able to get EPF contributions for the period of time that your employer was not deducting them. However, by taking the steps above, you can ensure that your employer starts deducting EPF from your salary now and that you are able to benefit from this scheme.

Ans: If your employer has not verified your PAN and bank account details, it may hinder the processing of your EPF withdrawal. Here are steps you can take to resolve the issue and claim your EPF amount:

Contact your Employer: Reach out to your employer and request them to verify your PAN and bank account details in the EPF portal. Provide them with the necessary documents if required.
Submit KYC Documents: If your PAN and bank account details are not verified, submit the necessary KYC (Know Your Customer) documents to your employer for verification. This may include a copy of your PAN card, Aadhaar card, and bank account details.
Follow up with EPFO: If your employer fails to verify your details, you can directly approach the Employees' Provident Fund Organisation (EPFO) for assistance. Visit the nearest EPFO office or log in to the EPFO member portal to raise a grievance and seek guidance on the next steps.
File a Complaint: If all attempts to resolve the issue fail, you can file a formal complaint with the EPFO against your employer for non-compliance. Provide details of your employment, contributions, and efforts made to rectify the issue.
Legal Assistance: If necessary, seek legal advice or assistance to escalate the matter and ensure that your rights as an employee are protected.
It's essential to act promptly and persistently to resolve the issue and claim your EPF amount. Remember to keep all communication records and documents for future reference.

Ans: Your case is unique. My suggestion is get help from a lawyer who specialises in labour laws to represent your case with EPFO.