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Milind

Milind Vadjikar  | Answer  |Ask -

Insurance, Stocks, MF, PF Expert - Answered on May 15, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more
amit Question by amit on Apr 25, 2025
Money

Need to withdraw my old PF

Ans: Hello;

Please fill composite claim form and submit it to EPFO.

Best wishes
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam

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Mutual Funds, Financial Planning Expert - Answered on Apr 09, 2024

Asked by Anonymous - Dec 13, 2023Hindi
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Hi, I am 56 yrs old man and want to withdraw my pf which was earned long back in 2011-12 when the system was not online connected. Now the problem is that my KYC is not updated and employer is also not in place. So kindly suggest that how can I get it done
Ans: If your KYC is not updated and your previous employer is not available, you may face challenges in withdrawing your PF. However, you can take the following steps to resolve the issue:

Contact EPFO: Reach out to the Employees' Provident Fund Organisation (EPFO) for guidance and assistance. They may provide you with information on the necessary steps to update your KYC and facilitate the withdrawal process.

KYC Update: Update your KYC documents such as Aadhar card, PAN card, bank account details, etc., through the EPFO portal or by visiting the nearest EPFO office. This will authenticate your identity and facilitate the withdrawal process.

Claim Process: Initiate the withdrawal process through the EPFO portal by submitting the required forms and documents. You may need to provide details such as your PF account number, personal information, employment history, etc.

Legal Assistance: If you encounter difficulties in the process or require legal guidance, consider consulting a lawyer who specializes in PF and employment-related matters. They can provide you with personalized advice and assist you in resolving any legal issues.

Follow-up: Stay proactive and follow up regularly with EPFO officials to track the progress of your withdrawal request and address any issues that may arise during the process.

Seek Employer's Assistance: If possible, try to locate your previous employer or their authorized representative who can assist you in the KYC update and withdrawal process. They may have records or information that could facilitate the process.

Remember to exercise patience and persistence throughout the process, as resolving issues related to PF withdrawal may take time.

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Moneywize

Moneywize   | Answer  |Ask -

Financial Planner - Answered on May 30, 2024

Asked by Anonymous - May 27, 2024Hindi
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Money
I have applied for PF withdrawal but I got an error code with some number. How do I go about withdrawing my PF?
Ans: The error code with a number you received during your PF withdrawal indicates an issue with your application. Unfortunately, without knowing the specific code, it's difficult to pinpoint the exact problem.

Here's how you can proceed:

Identify the Error Code: Look for the error code mentioned in the rejection message. It might be a short numeric code (e.g., 034).

Find the Meaning: There are two main resources to decipher the error code:

• EPFO ECR Error Codes List: This list provides the meaning for various error codes related to Electronic Challan Return (ECR) which is used by companies to submit employee contribution details to the EPFO. You can find it here: [EPFO ECR error codes ON epfindia.gov.in]
• EPFO Annexure 2 Error Codes List: If the error is related to issues with your personal details, this list might be helpful. You can find it here: [EPFO annexure 2 error codes ON epfindia.gov.in]

Resolve the Issue: Once you understand the error code's meaning, you can address the problem. Common reasons for PF withdrawal rejection include:

• Incorrect Bank Details: Mismatched account number, IFSC code, or bank name can lead to rejection. Double-check these details before resubmitting.
• Date Discrepancies: Dates like joining date, exit date, or DoB might have errors. Ensure they are accurate and in the correct format (dd/mm/yyyy).
• Incomplete Information: Missing details like reason for leaving can cause issues. Fill out all required fields.
• Resubmit the Application: After rectifying the error, resubmit your PF withdrawal application online.
• Contact EPFO Helpdesk: If you're still facing issues or need further assistance, you can contact the EPFO through their grievance portal https://epfigms.gov.in/grievance/grievancemaster or call their toll-free number: 1800-118-0055.

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Nayagam P

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Is integrated mtech a good course from vit bhopal
Ans: The five-year Integrated M.Tech programs at VIT Bhopal blend undergraduate and postgraduate curricula into a cohesive ten-semester track, featuring NBA-aligned design under NAAC A++ and ABET accreditation. Delivered by a 100% doctoral faculty body, these programs offer cutting-edge laboratories—AI/ML, data science, robotics and cyber-physical systems—backed by research centers and TEQIP-style infrastructure for hands-on learning. The curriculum emphasizes advanced coursework in algorithms, intelligent systems, and big-data analytics, culminating in capstone projects and industry internships during the final year to cultivate practical expertise and employability. Students benefit from the centralized VIT Career Development Centre and a dedicated Placement & Training cell that provide semester-long coding, aptitude training and mock interviews from the first term onward, fueling consistent placement records of over 90% for the last four batches. Strong industry tie-ups with Google, Amazon, Cisco and Microsoft ensure real-world project exposure. The integrated fee structure of approximately ?11.12 L for five years balances long-term investment against accelerated credentialing.

Pros & Cons:
Pros include seamless B.Tech–M.Tech progression, prestigious dual accreditation, research-intensive labs, structured CDC support, and strong placement consistency. Cons cover a heavy five-year commitment, higher cumulative fees, limited branch flexibility after entry, intense course rigor, and potential dilution of broader B.Tech exposure.

For accelerated technical mastery, research immersion, and robust placement pathways in AI, data science, or cybersecurity, the recommendation is to enroll in VIT Bhopal’s Integrated M.Tech. Should you seek greater branch mobility and lower initial costs, consider traditional B.Tech + M.Tech routes elsewhere. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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I have got cse in AIT pune and got ece in nit kurukshetra which is better in both.
Ans: Manoj, Army Institute of Technology Pune’s B.E. in Computer Engineering is NAAC-accredited (Grade A) with NBA-aligned curricula, delivered by primarily PhD-qualified faculty in specialized AI/ML, cybersecurity and software-development labs. The department hosts active technical clubs (open-source, forensics, AR/VR), mandatory internships coordinated by its Career Development Centre and reported placement consistency of 92–97% over the last three years. NIT Kurukshetra’s B.Tech in Electronics and Communication Engineering holds NBA accreditation and a NIRF #17 ranking, taught by experienced faculty in state-of-the-art VLSI, microwave, embedded-systems and DSP labs under TEQIP and DST grants. Its curriculum emphasizes project-based learning, industry MoUs with Siemens and MeitY for internships and empirical placement consistency of approximately 80–85% over the past three years. Both programs ensure rigorous core coursework, robust infrastructure, industry linkages, and accredited standards for engineering education.

For a broader computing focus, higher placement consistency, and specialized software labs, the recommendation is AIT Pune CSE. If you prefer deep ECE specialization, a stronger national ranking, and extensive electronics-communication infrastructure, choose NIT Kurukshetra ECE. All the BEST for Admission & a Prosperous Future!

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Nayagam P

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Hello Sir, my daughter got IIT Bhubaneswar- Engineering Physics until Josaa round 4 and also scored 99,90 in Maharashtra CET. Which one should she opt ? She has appeared for BITS too. Pls suggest - She wants to take CS. So we are confused with location n preferences.
Ans: Deepa Madam, You have NOT mentioned your daughter's score in BITS. IIT Bhubaneswar’s B.Tech in Engineering Physics is NBA-aligned with PhD-qualified faculty, advanced photonics, nanotechnology and computational labs, mandatory ISRO/DRDO internships and a flexible curriculum blending physics and computing. However, its focus is foundational science rather than core computer science. Scoring 99.90 percentile in MHT-CET opens seats in Maharashtra’s premier home-state colleges offering CS or related streams for female students: College of Engineering Pune’s CSE with specialisations in AI-DS and Cybersecurity; VJTI Mumbai’s Information Technology and AI-DS; Pune Institute of Computer Technology’s Computer Engineering; Sardar Patel Institute of Technology’s CSE and AI-DS; MIT World Peace University Pune’s CSE, CSE (Data Science) and CSE (AI & ML). All boasting modern AI/ML labs, PhD faculty, robust internships and 80–95% placement consistency over three years. BITS Pilani CSE remains the gold standard for research, Practice School internships and 90–100% placements.

Top 5 MHT-CET Maharashtra Institutes (99.90 percentile) for CS-focused streams:

College of Engineering Pune – CSE (AI-DS, Cybersecurity).

Veermata Jijabai Technological Institute Mumbai – IT (AI-DS).

Pune Institute of Computer Technology – Computer Engineering.

Sardar Patel Institute of Technology Mumbai – CSE (AI-DS).

MIT World Peace University Pune – CSE, CSE (Data Science), CSE (AI & ML).

BITS Pilani CSE.

(If needed, continue with other options.)

For core CSE excellence and proven placement pipelines, Prioritize BITS Pilani CSE if admission is secured. Next is College of Engineering Pune CSE, followed by VJTI Mumbai IT. Then Pune Institute of Computer Technology, Sardar Patel Institute of Technology CSE (AI-DS). MIT WPU CSE (Data Science/AI & ML). IIT Bhubaneswar Engineering Physics is less aligned with her CS aspirations but remains a strong science-research option. MY SUGGESTION: Give 1st priority to BITS for any branch your daughter is very interested in, followed by any one of the top 3 colleges in Maharashtra (mentioned above). Go for Engineering Physics only if she very interested in this domain. All the BEST for Your Daughter's Prosperous Future!

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Sir ,my son got srm ECE branch @amrita benguluru campus and SRM ktr campus also manipal Bengaluru @Electronics engineering with VLSI branch,sir pls advice what should we choose?
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For the strongest specialized VLSI ecosystem and highest average packages, the recommendation is Manipal Bengaluru Electronics (VLSI Design & Technology). Next, recommendation is SRM KTR ECE for its broader communications focus and high recruiter engagement, followed by Amrita Bengaluru ECE for balanced infrastructure and consistent placements. All the BEST for Admission & a Prosperous Future!

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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