how to get old PF account sum up and accumulate balance thereof.

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EPS (Employee Pension Scheme): Since you have not withdrawn the EPS contributions from any of your previous employers, you can apply for a scheme certificate through your current employer.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Ans: Whenever an employee leaves an organization, the existing PF cannot be withdrawn for 3 months. Since you have a PF from numerous companies, transferring the old company's PF funds into the present company's PF account is advised.

In order to do this, you will need a UAN number to access the EPFO portal and file the online PF transfer claim. The UAN No can be found on the salary slip.

Step 1: After logging in to the EPFO portal under the 'Online Services' tab, select 'One Member - One EPF Account (Transfer Request)'.
Step 2: Fill in the details of your previous employer, including the employer's name, PF account number, and the state where it is registered.
Step 3: Fill in the details of your current employer, including the employer's name, PF account number, and the state where it is registered.
Step 4: Confirm the details of your current employer and the PF account number.
Step 5: Check all the details entered in the form and click the 'Get OTP' button.
Step 6: Enter the OTP received on your registered mobile number.
Step 7: Click on the 'Submit' button to initiate the transfer request.

Kindly ensure you are selecting your current employer for the approval of the transfer request.

Ans: Hello;

You should withdraw your EPF corpus immediately and invest elsewhere.

After 3 continuous years of no contribution, except interest, the EPF account becomes inoperative.

If you have opted for deferred pension you may receive EPS pension after completing 60 years of age.

Ans: Hello;

Since you had different member IDs while you were working for two different legal entities they are shown differently under same UAN.

If you want to transfer funds from old member ID to new member ID then you need to have a clear date of exit(DOE) mentioned.

Under the online claim option you can find One Member Transfer option. Just fill that form. submit the transfer request. Then select the present employer to approve your transfer details.

First it will be approved by the current Employer and after that it will be sent to Field Officer.

It will take 5 to 21 days for transferring your account from old member Id to new.

Best wishes;

Ans: You have a substantial PF balance, but with no new job, it needs careful planning. Your goal is to ensure stability, preserve capital, and generate income for the long term.

Should You Withdraw the PF Amount?
Your PF account stops earning interest after three years of inactivity. Since you haven’t contributed for three years, check with the EPFO if interest is still being credited.
If interest is not accruing, withdrawing gradually over time is better than keeping it idle.
If it’s still earning interest, you can defer withdrawal until you need the funds.
Where to Invest the PF Amount?
Once withdrawn, you need low-risk, income-generating investments to support your family.

1. Fixed Deposits for Short-Term Stability
Keep Rs 10-15 lakh in bank FDs for liquidity and stability.
Choose senior citizen or special deposit schemes for higher interest rates.
Opt for monthly or quarterly interest payout for regular income.
2. Debt Mutual Funds for Tax Efficiency
Invest Rs 15-20 lakh in debt mutual funds for stable returns and tax efficiency.
Banking & PSU Debt Funds or Corporate Bond Funds are safer choices.
Debt funds benefit from indexation, reducing capital gains tax over time.
3. Dividend-Paying Stocks for Passive Income
Allocate Rs 5-7 lakh in blue-chip dividend-paying stocks.
These stocks provide stable income and have potential for long-term appreciation.
Reinvest surplus dividends for future growth.
4. Monthly Income Plans for Regular Cash Flow
Consider conservative hybrid funds with systematic withdrawal plans (SWP).
This ensures regular cash flow while maintaining the investment corpus.
Emergency Fund & Medical Backup
Keep at least Rs 5 lakh in a separate savings account or liquid fund for unexpected expenses.
Ensure you have adequate health insurance for yourself and your family.
Set aside Rs 3-5 lakh for children’s school fees in a short-term investment.
Final Insights
Your PF corpus can provide financial security if managed well. Combining FDs, debt funds, blue-chip stocks, and SWPs ensures stability, liquidity, and income. Avoid risky investments and focus on capital protection.

Best Regards,

K. Ramalingam, MBA, CFP

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment