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Moving First Organization PF Account to UAN: Murali Krishna's Daughter's Situation

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 30, 2024

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

Question by Murali on Dec 29, 2024Hindi

Money

Dear PF Experts, My daughter worked in 3 different organizations from 2011 to 2021 (one after the other without any gaps in service and without any overlaps also). She is not working now. When she was working in 3rd organization, she was able to get UAN. In this UAN, PF accounts of second organization and third organization are mapped/moved. Somehow, first organization’s PF account not moved to this UAN. My queries are:- 1) Can she move first organization’s PF account to the above UAN now? If so, what is the procedure to move? 2) Can she withdraw the full PF amount available in UAN now through online mode without moving first organization’s PF account to UAN and claim PF amount accumulated through first organization at a later date through offline mode? 3) Somewhere I read that even for claiming PF amount available in UAN, first we need to merge the accounts in UAN. Is it correct? When two accounts are already available in UAN, why merging is required? Not able to understand merging point clearly. If merging is required, how to merge the accounts? Or can she withdraw one after the other? It would be great if suitable advice / guidance is given to us. Best regards Murali Krishna

Ans: Hello;

Answers to your queries as given below:

1. Yes she may link First company pf with this UAN.

2. Yes, but it is advisable to withdraw entire pf in one go! The complexity of withdrawing from old pf account not linked to current UAN will only increase with time.

3. Merging multiple pf accounts under single UAN(active) is a simple online process(EPFO provides step by step guide on their website for the same, even other reliable resources are available). It is essential to do so before withdrawal.

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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I need guidance on 2 questions Firstly - I have worked with a company during the period April 2012 to Sep 2013 & my PF account number is WB/CA/48646/505 the PF amount i have not withdrawn till date also i do not know the UAN number how to get UAN number, i connected with the company HR but could not get any response. Secondly - I joined a company on 1st Oct 2013 and superannuated on 31st Dec 2023, i requested HR how to proceed for pension asi have completed my 10 years of service, they replied as you do not have previous companies UAN hence difficult / eligible forPension as per the new rules. Thirdly - i have attained 60 years of age should i now withdraw my entire PF amount of second company where i have worked for 10 years and have UAN number for tbis tenure. Thanks n Regards

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I am requesting editor to take this question down, you may rephrase your question, without any details again.

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Hello Sir/Madam, I worked in an organization for almost 3years later I resigned and dicontinued my job. Now after 11 years I need my pf amount. I don't have UAN number except PF Account number. Please help me with the process to withdraw my money which is needed at this moment.

Ans: Hello;

1. Generate UAN through EPFO site.
2. Link it to Aadhaar.
3. Link your bank account with it.
4. Link the old EPF account with the UAN.
5. After the pf account is linked to your UAN, you may submit request for withdrawal.

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Question by SANJIB - Jul 18, 2025Hindi

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Dear Sir, In my previous association with two company I had withdraw my PF balance during 2010 -11 (1st association 2004 to 2007 & 2nd 2007 to 2008 about nine month). Now, I want to know may I eligible for pension part of above association and if so how can I connect these to my current UAN no so I entitle for pension eligibility after my retirement. Second question is I am trying to transfer a balance of my another association to my current establishment (on line ) the same is rejected with remarks ("Unexempted to unexempted in other region or to exempted establishment") I am not able to understand the remarks and reason. Regards Sanjib

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Dear Sir, In my previous association with two company I had withdraw my PF balance during 2010 -11 (1st association 2004 to 2007 & 2nd 2007 to 2008 about nine month). Now, I want to know may I eligible for pension part of above association and if so how can I connect these to my current UAN no so I entitle for pension eligibility after my retirement. Second question is I am trying to transfer a balance of my another association to my current establishment (on line ) the same is rejected with remarks ("Unexempted to unexempted in other region or to exempted establishment") I am not able to understand the remarks and reason. Regards Sanjib

Ans: Old service and pension eligibility
You withdrew PF in 2010–11. When PF is withdrawn, the pension portion also gets settled. So the service period from 2004–07 and 2007–08 cannot be added now. It also cannot be linked to your current UAN. Only unsettled EPS service can be carried forward.

So pension eligibility will depend only on the service under your current UAN.

Reason for transfer rejection
The error “Unexempted to unexempted in other region or to exempted establishment” means:
– Your old or new employer belongs to a different EPFO category or region,
– And online transfer is not allowed for that combination.

You must request an offline transfer through your employer or visit the EPFO office.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

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

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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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