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Reetika Sharma |628 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Oct 10, 2025

Reetika Sharma is a certified financial planner and CEO of F-Secure Solutions.
She advises clients about investments, insurance, tax and estate planning and manages high net-worth individual’s portfolios.
Reetika has an MBA in finance from the Institute of Chartered Financial Analysts of India (ICFAI) and an engineer degree from NIT, Jalandhar.
She also holds certifications from the Financial Planning Standards Board India (FPSB), Association of Mutual Funds in India (AMFI) and Insurance Regulatory and Development Authority of India (IRDAI).... more

Question by Prasad on Sep 24, 2025Hindi

Dear sir, I had been paying EPF from 1997 & had applied for Higher pension when the options were asked. But my application did not reach EPF authorities since one of the companies (old company which is closed now) did not approve (employer consent) quoting that records are not available with them. Same was the case with all employees who worked with them. What are the options for me now... I am willing to forego that period of service (12 years) also but EPF authorities are declining stating that window period is over and they can't do anything.

Ans: Hi Prasad,

Dealing with a closed former employer when applying for a higher pension is a common issue. Since the EPFO needs employer verification to process your application, you have a few ways to address this specific problem.
1. File a Grievance on EPFiGMS: Your first action should be to formally file a complaint using the Employees' Provident Fund Integrated Grievance Management System (EPFiGMS) portal.
* Grievance Category: Select "Higher Pensionary benefits on higher wages" or the most similar option.
* Explain Clearly: State that your former employer has closed and cannot provide the necessary verification.
* Include Details: Provide the specific period of your service with that company.
* Mention Your Application: Confirm that you have already submitted your higher pension application.
* Check for Successor: If the old company was bought out or merged, mention if your current employer can provide the wage records.

2. Escalate to the Regional PF Commissioner (RPFC): If the EPFiGMS complaint doesn't resolve the matter, you should take your case directly to the Regional PF office that holds the records for your past service.
* Submit a Written Request: Write a formal letter to the RPFC explaining your entire situation and the lack of resolution from the closed company.
* Attach Documents: Include a copy of your higher pension application and all supporting documents you possess. Also, include any proof that the company is permanently closed.
* Cite Legal Principles: Gently remind the RPFC that legal rulings have established that the EPFO should not block entitlement based on procedural issues when an employer is closed or uncooperative.

This process focuses on creating a clear paper trail and using the mechanisms the EPFO has in place to deal with non-existent employers.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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