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Can I Get Pension for My 2000-2015 Service Without UAN?

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 09, 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 Arun on Dec 08, 2024Hindi

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Pls suggest : What about the service period of 2000 to 2015 i have worked and pf deducted and same has been withdrawn because at that time no UAN concept was their. Secondly can i add that service period for pension calculation by paying the pf pension contribution amount with interest. Third and last where i have to apply for pension as at present i am residing in Chandigarg. Regards Arun Kumar Verma

Ans: Hello;

UAN was launched by EPFO in October 2014.

If you have withdrawn both PF and EPS after quitting jobs then the issue of pension doesn't arise.

No you can't contribute eps voluntarily it has to be accumulated through employer contribution only.

Since you don't have UAN you will have to apply personally to the EPF office where your past PF contribution was made.

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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Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Oct 01, 2024

Asked by Anonymous - Sep 22, 2024Hindi

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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a company during the period April 2012 to Sep 2013 & my PF account number is WB/CA/48646/505 the PF amount i have not withdrawn till date also i do not know the UAN number how to get UAN number, i connected with the company HR but could not get any response.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

Ans: Request all the people on this forum to avoid sharing any personal details like any bank/pf account number, demat account, pan, aadhar or any such personal identity details.

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

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 28, 2024

Question by Arun - Nov 27, 2024Hindi

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I have worked from 1990 to 2000 and having pf deducted (at that time eps pension 1995) . But after that i have worked in 6 -7 limited companies for period 5years ,3years ,1year and in some 3to 1 years (from 2000 to 2015). But in these jobs i have withdrawn my pf as at that time no UAN concept. Now how i will get the eps pension ( at present my age is 56) Pls guide....

Ans: Hello;

Have you worked for a continuous span of 10 years or more without any break after 1995, please confirm?

Thanks;

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 13, 2024

Question by Arun - Dec 12, 2024Hindi

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What i have understood from your suggestion is… I have to apply UAN no for the 10 year service (from 1990 to 2000) to the concerned epfo office (i.e epfo Chandigarh). After getting uan no . I should apply for pension. Secondly the period from which i have withdrawn pf and epf pension. That period i have to ignore it for pension benefits. Is i am wright.

Ans: Hello;

Let me simplify this to avoid any confusion:

1. For the work during 2000-2015 you have withdrawn the PF as well as EPS after quitting the jobs hence question of pension payment does not arise.

2. For the period between 1990-1995 only PF may be available since EPS came in 1995.

3. For the period 1995-2000, both PF and EPS may be available.

For withdrawing funds referred to, in points at sr. No. 2 and 3 you may apply personally at the EPF office where your contributions were deposited by your employer of that time.

Hope this is clear but if you still have any doubt, please feel free to revert.

Best wishes;

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 04, 2025

Asked by Anonymous - Jan 24, 2025Hindi

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Sir, I work in a private organization in hyderabad and i am pf member also. I retired on attaining the superannuation age of 58 years in the year 2023. Im 60 years now but still working there. However, I'm still short of 4 months to complete my 10 years of mandatory service to be eligible for monthly pension. Given the above scenario, I would like to know if I'm still eligible for monthly pension once I complete 10 years of sevice after 4 months, if not will I have to withdraw my full pension now or I can withdraw any time in future, say after one or two years. Further, my sevice duration in my passbook is showing as 2007 years, 6 months and 0 days. Will this error cause any problem when applying for pension or withdrwaing pf amount. I shall be obliged if you would kindly reply my above query. With regards Ahmed M

Ans: Hello;

You are required to complete 10 years before 58.

But you may still withdraw your EPS contribution and now both employer employee contribution should go to epf only.

Please amend service record in case of any anomaly through your current employer.

Best wishes;

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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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