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Should I change jobs? I'm a 40-year-old software developer with 10 years of experience.

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 08, 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 Balwinder on Apr 26, 2024Hindi

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Previously I was working with a company and after serving there for 10 years I have joined another company. I have withdrawn my pf from the previous company but unable to transfer my pension fund to my new one. Now I have left the job and want to know how I can transfer my old pension with new one, whereas my old service period does not appear in my UAN, please help

Ans: You may need your ex employer's letter alongwith eps scheme certificate to transfer and link it with your UAN

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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Question by Ravichandra - Nov 13, 2023Hindi

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Sir,I have worked in private company from March 2011 to Sep 2021 where my pf amount was deducted.l have completed 10 years 5 months service and resigned but i have got it transferred to the new company where I have joined. I want to get pension after 60 years what should I do ?

Ans: According to the EPS rules, you are eligible to receive a monthly pension after you reach the age of 58 years, or after early retirement at 50 years. However, if you defer the pension for 2 years (until you reach the age of 60 years), you will be eligible to receive the pension at an additional rate of 4% per year.

Since you have completed more than 10 years of service and transferred your EPS amount to the new company, you do not need to withdraw the EPS amount. You can continue to contribute to the EPS scheme until you retire or reach the age of 58 years, whichever is earlier. The accumulated corpus in EPF can be with withdrawn in one go at the time of retirement

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Asked by Anonymous - Sep 22, 2024Hindi

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Hi Sir iam working in private org almost 11 year and having 2 PF account with same UAN, now I left the org and want to withdraw complete Pf amount including PF pension , is that possible?already transferred amount from previous to current company , but I want complete amount withdrawal including pension amount , is that possible

Ans: No.

The pension(EPS) amount is withdrawable only if the employee's service period is less than 10 years.

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Question by Ramesh - Nov 15, 2024Hindi

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My old Pf account without UAN no i am drawing the reduced pension from 2013 onwards at t age of 50 years n then I have joined t organization in t year 2010 in this new PF no n UAN no is available my pension contribution is available my service is totally 9 years 6 month how to draw t pension contribution in full r merge t amt to t old PF no without UAN no plz guide

Ans: It is advisable to merge your both PF accounts. In fact you should have continued with your old PF account, even in new employment. This would have increased your pension admissibility. Visit your concerned PF Office & work out the best option, possible at this stage.
Most welcome for any further clarifications. Thanks.

Milind Vadjikar |1238 Answers |Ask -Follow

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

Asked by Anonymous - Nov 28, 2024Hindi

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i have 2 UAN number 1 UAN served 8 years and 2nd UAN which is active from 8 years. Accidentally i ended up withdrawing pension when i left org where 1 UAN was there after transferring my PF to 2nd company where new UAN was created . Now state is PF is transferred to 2nd company with UAN1 and pension is withdrawn. Now further i am unable to transfer my pf from 2nd company to third where as both PF accounts are under UAN2. My pf transfer always gets rejected saying i need to transfer my pension first , where as pension is withdrawn. when i met PF office i am not getting any useful help to move further

Ans: Hello;

Your case is peculiar therefore I recommend you to please consult a lawyer specializing in labour/EPF laws or an EPF consultant for help regarding your issue.

Best wishes;

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Hello I am sakshi from east UP and a neet aspirant. I just passed out 12th and I've already taken my first drop. I am ready to give my hundred percent in this year. But actually my parents are repeatedly telling me to do bsc degree from a tier 3 college just near my house. I'll Just need to give exams and attend practicals..BUT is this even beneficial in any way..? Will I get a decent job if I am not able to clear neet by chance..? My parents are arguing that atleast you'll have a degree.. But I wanted to any kind of degree (Like bsc biotech , microbiology ) from atleast a good college for better job options..but my parents don't want me to have a "Gap" year. I am not able to process what do I do in this situation.

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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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