Left job in 2008 after 14 years of service and till then i was registered in PF and got Pension eligible certificate after leaving service. As per the certificate i was eligible for pension from Mar-2025. From 2009 to 2025 have done job in a company where there is not PF account. Now i want to enrol me for pension and Form 10-D is submitted by me. PF office replied my that i have to get the form signed from my employer which is not existed now nor i have any contacts of any employee of the company. After lots of deliberation came to know that the company is wind up few years back and i have no idea or information about the whereabout of the company. Now, my question is as to how i can get myself enrol in pension without being certified by the employer? I belief there must be some mechanism available for getting pension without certified by the employer. It has been more than 17 years i left the organization and now how can get in touch with the company which is wind up. Kindly suggest me with your suitable reply.

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EPS (Employee Pension Scheme): Since you have not withdrawn the EPS contributions from any of your previous employers, you can apply for a scheme certificate through your current employer.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: Hello;

If your employer had to block your EPS ,for some reason, he may have blocked the EPF withdrawal as well. But that is not the case.

Therefore I feel it's a purely documentation issue which you can sort out with the HR team of your previous organisation.

However if it still remains unresolved you may lodge a grievance in EPFiGMS portal for faster resolution.

Best wishes;

Ans: Hi Sisir,

Please connect with PF officer and get your UAN no. as all accounts have a UAN assigned to them.
Download the Umang App and login using your credentials. You might get some data there.

But you will not ba able to proceed furhter without knowing your UAN. Visit the nearest EPFO or connect with them online.

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

Ans: You should approach your past employer for payment of your PF dues & this should not be a problem. Similarly, you should also pursue your case for family pension with concerned authorities. You can also approach, Commissioner Provident Fund of your state, for any help or complaint.
Most Welcome for further clarifications, if any. Thanks.