We are a Private Limited Company with an employee strength of 60, and we strictly follow all PF rules. As per the applicable salary criteria, we contribute to the Provident Fund wherever required. Recently, we discovered that an employee who joined our company two years ago has an existing UAN linked to their Aadhaar. However, at the time of joining, the employee declared in Form 11 that they did not have a PF account. Based on this declaration, we did not contribute to their PF account. Now, the employee states that they were unaware of their PF account, and the UAN linked to their Aadhaar is currently inactive. Furthermore, they do not wish to activate their PF account. Given this situation, should we present Form 11 as valid proof for non-contribution, or are there any corrective actions required to comply with PF regulations? Kindly guide us on the appropriate steps to take in this matter.

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EPS (Employee Pension Scheme): Since you have not withdrawn the EPS contributions from any of your previous employers, you can apply for a scheme certificate through your current employer.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: Here's how you can approach the situation of missing PF data for your period of employment between February 2004 and March 2008:

1. Contact Delhi EPFO:

Since your main PF account was maintained at the Delhi EPFO office, it's crucial to reach out to them again.
Try contacting the Delhi EPFO grievance redressal officer (https://epfigms.gov.in/grievance/grievancemaster) through email or phone. Clearly explain the issue with missing data and the attempts you've already made to get it resolved. Mention your UAN number and the period for which data is missing.
Be persistent and follow up on your communication.
2. Utilize Online Grievance Portal:

The EPFO website offers an online grievance redressal portal (https://epfigms.gov.in/grievance/grievancemaster).
Register a grievance there, outlining the details of the missing data and the unresponsive nature of the Bandra office.
3. Approach EPFO Helpline:

You can also try contacting the EPFO helpline at 1800-118-0055.
Explain your situation and seek guidance on how to get the missing data reflected in your UAN account.
4. Reach Out to Ex-Employer (if possible):

If you're still in touch with your former employer (the one before the Australian brand takeover), try contacting their HR department.
They might have copies of your PF records for the period in question, which could be helpful in getting the data updated in your UAN.
5. Utilize UAN Portal's "Contact Us" Option:

While the UAN portal might not directly resolve the issue, you can try using the "Contact Us" option and explain your situation.
They might be able to provide additional guidance or escalate your concern within the EPFO system.
Here are some additional tips:

Maintain a record of all your communication with the EPFO offices, including emails, phone call logs, and grievance reference numbers.
If you have any documents related to your PF account for the missing period, such as payslips showing PF deductions, keep them handy.
Consider getting help from a professional PF consultant if the issue persists. They can navigate the EPFO processes and handle communication on your behalf.
Remember, persistence is key. By following these steps and keeping track of your communication, you should be able to get your missing PF data reflected in your UAN and access your PF funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in