My son was doing intern ship in saplab while studying BCA. There EPS deducted and after that he was working for Newfold digitals there he didnt mention his earlier epf account (unknowingly). In Newfold they considered him as new employee and that time EPFO cancelled EPS and they have not deducted. Now It is becoming difficult to withdraw pf. What to do? Any suggestion from your end

Ans: Given your situation, consolidating and tracking your EPF contributions and benefits can be a bit challenging but certainly manageable. Here’s a step-by-step guide to help you navigate this:

Consolidation of UAN: If you have a UAN (Universal Account Number), ensure that all your previous PF accounts are linked to it. You can do this by logging into the EPFO portal and checking the 'Manage' tab under 'For Employees'. If your previous companies have not linked your UAN to their establishment IDs, you can request them to do so.
Transfer of EPF: Use the EPFO's online transfer portal to transfer the EPF accumulations from your previous accounts to your current PF account. This will consolidate all your PF accumulations into one account, making it easier to manage and track.
EPS (Employee Pension Scheme): Since you have not withdrawn the EPS contributions from any of your previous employers, you can apply for a scheme certificate through your current employer. A scheme certificate provides details of your service and contributions and can be used to avail pension benefits at the age of 58.
Pension at Reduced Rates: If you opt for pension before attaining the age of 58, it would be at a reduced rate. However, if you choose to defer it, your pension amount will increase. You can apply for a reduced pension through your current employer or directly with the EPFO after completing Form 10D.
Contact EPFO: If you face any issues or discrepancies in your PF accounts, reach out to the EPFO regional office or helpdesk. Provide them with the necessary details and documents, including your UAN, PF account numbers, and service details with each employer.
Consult a Financial Advisor: Given the complexities involved in EPF and EPS, consulting a financial advisor or a retirement planner can be beneficial. They can guide you through the process, help you understand the implications of withdrawing or transferring your EPF and EPS accumulations, and assist you in making informed decisions regarding your retirement benefits.
Remember, it's essential to keep track of your EPF and EPS contributions and benefits to ensure you maximize your retirement benefits and make informed decisions. Taking proactive steps now can help you secure a comfortable retirement.

Ans: If your Aadhaar and bank details are linked on the UAN portal and your UAN is active, use the Composite Claim Form (Aadhaar). You can fill and submit the form directly to the EPFO office without requiring attestation from your employer.

Ans: Since you were eligible for EPS in your previous company but not in your current company, your EPS account would become inactive when you transferred your EPF account. The EPS amount cannot be withdrawn, but it can be transferred to your current EPF account.

Here are the steps you need to take to transfer your EPS amount to your current EPF account:

Offline - Download Form 10C - Fill out the form - Get the form attested - Submit the form to EPFO

Online - EPFO website - Access your EPF Member Portal - Online Services - Claim (Form 31, 19 and 10C) - Check your employment KYC - Just Pension Withdrawal (Form 10C) - Validate OTP and Submit Claim Form.

Ans: Hello;

You need to fill composite claim form (aadhar) for processing your withdrawal online.

Best wishes;