Home > Money > Question

Sign In | Create an account

Language:

Now in हिन्दी too

Need Expert Advice?Our Gurus Can Help

Pune resident seeking help: Enhanced pension stuck due to fire at employer's office

T S Khurana |504 Answers |Ask -Follow

Tax Expert - Answered on Dec 25, 2024

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more

Question by Venkatraman on Dec 04, 2024Hindi

Listen

Money

I am from Pune. I had applied for enhanced pension. The status shows "Pending with the Employer". But the Employer informs that the records are gutted in fire and they have informed the local PF Commissioner about the matter. What needs to be in this scenario ? How to proceed in the matter ?

Ans: You might be having some old Salary Slips, bank entries regarding Salary payments & old PF Statements to prove your point. You may approach to your employer to certify this information & approach PF authorities with these documents. May be they can help you in such a matter.
Most welcome for any further clarifications. Thanks.

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.

MoneyReply

You may like to see similar questions and answers below

Ramalingam Kalirajan |10314 Answers |Ask -Follow

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

Question by Ravindra - Dec 25, 2023Hindi

Listen

Money

This is regarding enhanced pension EPS 95 by EPFO .I am a private sector employee and worked in 3 organizations including current organization. Applied online for enhanced pension through joint option form of EPFO. My first and current organization has approved this joint option form for service rendered in those companies. My second organization is closed and under liquidation. Approval of service of this closed organizations is not happening. I have requested in writing to Liquidator, EPFO also. Lot of grievances on different portal including PG portal were lodged but it is of no use though EPFO has instructed to liquidator to approve but no action and response by them. What is the option for me and solution for this issue. What should be my action for getting it approved. What are the provisions in rule . I have all the service related document of this closed organization. last date for approval by all employer is 31st December. Please guide. Regards Ravindra Pateria

Ans: Dear Ravindra Pateria,

I understand your concern and the urgency you feel regarding the approval of your enhanced pension under EPS 95 by EPFO. It's frustrating when bureaucratic processes become hurdles in securing what's rightfully yours.

Given that you've already taken steps by lodging grievances and reaching out to both EPFO and the liquidator, it might be helpful to escalate the issue further. You could consider writing a formal letter to EPFO, highlighting the urgency and attaching all the necessary documents as proof of your service with the closed organization.

Additionally, you might want to consult with a legal advisor or approach a local EPFO office directly. They might be able to provide guidance on the specific provisions and rules that govern such cases and suggest alternative ways to expedite the approval process.

Remember, persistence often pays off in such situations. Keep all your communications documented and follow up regularly. Wishing you the best in resolving this issue promptly.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 27, 2024

Asked by Anonymous - Sep 21, 2024Hindi

Listen

Money

Hello, I have applied for higher pension on 2023, and same was pending at employer end till date as the relevant passbook was not loaded. Now when enquired about status of pension, they told that it is pending. Please advise me now passbook and relevant documents could be uploaded or not as portal of EPFO is closed. My employer ensure me that they will submit whenever portal of higher pension will open . I am not sure whether my case will be submitted or not and whether portal will be opened in near future. As I have already applied and having reference number as well, can it be done manually.

Ans: No it is to be done through online system only.

You can file a complaint with EPFiGMS. You can choose the "Higher Pensionary benefits on higher wages" grievance category.

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Feb 20, 2025

Question by MICL - Jan 18, 2025Hindi

Listen

Money

Employer deliberately rejected the higher pension request of PF and its now showing the status is rejected. So what to do?

Ans: Hello;

Please review the terms and conditions of your employment.

Discuss with the HR team of your employer, objective being getting a solution.

Else you may lodge a grievance against employer in EPFiGMS portal but this may affect your further prospects of being employed.

Keep this in mind and then take an appropriate decision.

Seek opinion from a legal counsel if needed.

Best wishes;

Vipul Bhavsar |97 Answers |Ask -Follow

Tax Expert - Answered on Apr 14, 2025

Question by Pradeep - Feb 10, 2025Hindi

Listen

Money

After my Edge of 58 complited my PF Pension contribution is stoped. What will be my next process or what can I do. I have work in Pharma company

Ans: you can withdraw some amount.
you can get yearly monthly pension from the annuity

Milind Vadjikar | Answer |Ask -Follow

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

Question by Hansa - Mar 24, 2025

Money

hello sir,I worked in Dabur , sahibabad, UP from March 1995 to February 2005 till the age of 34 years. There was monthly deduction of PF from my salary throughout this period and I used to get yearly PF statement. I didn't withdraw my PF till now. After 20 years, this month when I went personally to Meerut EPFO to claim my PF and pension, they said my EPF claim was settled in November 2005 through form 9 without giving any further details and closed the communication. I am absolutely not aware of how and when it was settled. Please let me know whom to approach and why they are saying it was settled in Nov.2005 through form no. 9? What about my pension which also I haven't got till now. I am 54 years of age at present. Please guide. Thanks

Ans: Hello;

Firstly check with your family if some of your family members have withdrawn it on your behalf.

Double check with EPFO if they are referring to the correct EPF account.

If not then please file a grievance with EPFIGMS grievance redressal portal of EPFO.

If you still do not get proper response you need to send legal notice through your lawyer/EPF consultant for claim of EPF and pension and also file Police complaint for fraud.

Best wishes;

Latest Questions

Dr Nagarajan J S K |2342 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Aug 23, 2025

Asked by Anonymous - Aug 22, 2025Hindi

Career

Comed k Sir if I accept and upgrade for round 4 so will my seat which I got 3 be reserved??

Ans: HI,
Did you read the guidelines or not? If not, please go through them. The counseling authorities are providing you with sufficient time to understand the process. This is important. It's not just about booking a movie ticket or a slot for FDFS and watching, regardless of whether it seems good or not.

There are FOUR options for candidates during the counseling process (refer to the COMEDK Counseling Process Quick Guide, Page 8):

1. Accept and Freeze: You are satisfied with the seat allotted and willing to report to the college allotted and do not wish to participate in any subsequent rounds. Download your Online Allotment letter and Fee Payment Receipt and report to college in person as per date mentioned in your allotment letter by fulfilling other requirements.

2. Accept and Upgrade: You are satisfied with the allotted seat but wish to participate in the next round. If higher options are allotted in subsequent Round, then earlier allotted seat gets cancelled automatically OR if higher option seats are not allotted, then earlier allotted seat shall remain in the candidate’s favor.

3. Reject and Upgrade: You are not satisfied with the allotted seat. You are rejecting the allotted seat but wish to participate in the next round to check for allotment of higher preferences/options.

4. Reject and Withdraw: You are not satisfied with the allotted seat and do not wish to participate in further rounds.

For example, if you received an ECE seat in Round 3 and you are not satisfied because your expectation is CSE, you should opt for Option 2 (Accept and Upgrade). If you achieve an upgrade to CSE in Round 4, your previous seat (ECE) will be automatically canceled. If you do not receive a higher preference, the Round 3 ECE seat will be retained.

I hope you understand the process clearly.

Important Note: There is no option to go back to your previous seat if you choose to upgrade and receive a new allotment.
BEST WISHES.

#GURUS #REDIFFGURUS #CAREER COUNSELING #COMEDK #ACCEPT&UPGRADE #ACCEPT&FREEZE #REJECT&UPGRADE #REJECT&WITHDRAW

Nayagam P P |10473 Answers |Ask -Follow

Career Counsellor - Answered on Aug 23, 2025

Question by DILIP - Aug 23, 2025Hindi

Career

Sir,she is selected for BSC.Agriculture at Biswa harati university, which will be better BHU Or viswa Bharati.

Ans: Dilip Sir, Banaras Hindu University’s Faculty of Agricultural Sciences offers a comprehensive B.Sc. Agriculture curriculum with specialization options in agronomy, horticulture, and soil science, delivered by over 100 PhD-qualified faculty, supported by world-class research farms and cutting-edge laboratories. Accredited ‘A+’ by NAAC and ranked among India’s top five agricultural universities, BHU emphasizes extension services, collaborative projects with ICAR, and placement assistance through campus recruitment and research fellowships. Biswa Bharati University’s rural-focused Agriculture program integrates traditional agro-practices with community development, led by a smaller cadre of faculty and field-based training centers. While Visva Bharati fosters holistic learning through its emphasis on sustainable farming, organic methods, and cultural immersion, its infrastructure and industry linkages are more limited. BHU graduates benefit from stronger alumni networks, government research opportunities, and higher placement rates exceeding 70% in agribusiness, government services, and academia. Visva Bharati excels in promoting social entrepreneurship, village innovation clusters, and hands-on community engagement, ideal for students passionate about grassroots development and agro-heritage conservation.

Recommendation: For rigorous academic training, advanced research facilities, and robust career support, Banaras Hindu University is the superior choice; choose Visva Bharati only if you prioritize community-driven, sustainable agriculture and cultural immersion. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Radheshyam Zanwar |6501 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 23, 2025

Asked by Anonymous - Aug 23, 2025Hindi

Career

Hello sir I had got 303 marks with air 430k in neet ug 2025 I had taken admission in regular bsc botany My college time is 9 to 5 Sir can I get air under 30k in neet 2026 by preparing remaining 7 months?? Is it possible? If yes please guide me in detail how to achieve it.. Please help

Ans: Yes, it is possible to increase your NEET rank from 4.3 lakh to under 30k in 7 months, but it requires strict discipline, smart planning, and consistent hard work alongside your B.Sc. schedule. Even with a 9–5 college, you have early mornings, evenings, and weekends for focused study. Prioritize NCERT line by line for Biology (70% weightage), revise Physics formulas and practice numericals daily, and thoroughly solve Chemistry NCERT + PYQs. Create a realistic timetable: 4–5 hours on weekdays (early morning and night) and 10–12 hours on weekends. Practice at least one full-length mock test weekly, analyze mistakes, and revise weak areas. Remember, quality > quantity. Stay consistent; focusing on study, smart revision, and regular test practice will steadily improve your score. Motivation, consistency, and a clear strategy are key to cracking it.

Last but practical suggestion: Rethink the decision of appearing for NEET 2026. Our practical experience says it is difficult to jump from 303 to 600 (+) i.e. almost double.

Good luck.
Follow me if you receive this reply..
Radheshyam

Radheshyam Zanwar |6501 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 23, 2025

Asked by Anonymous - Aug 22, 2025Hindi

Career

My daughter is getting ENTC in Symbiosis inst of technology Pune and Electrical and computer engineering in MITWPU and Mechanical is JSPM tathawade Pune.Which is a better option General category.92.5 percentile in mhcet.

Ans: Among these, Electrical and Computer Engineering @ MIT-WPU is the better option for future scope and career opportunities. The final choice will be yours.

Good luck.
Follow me if you receive this reply..
Radheshyam

Radheshyam Zanwar |6501 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 23, 2025

Question by Samiksha - Aug 22, 2025Hindi

Career

My sister got Shri Guru Gobind Singh technical College nanded in mechanical branch in MhtCet on 51.70 percentile should she freeze it

Ans: Considering a female candidate, it is not advisable to choose the mechanical branch. It is better to opt for growth and select either electrical, civil, or another branch. Due to the college you have been allotted, both you and your sister might face dilemmas. Prioritize the branch over the college. The final decision will be yours.

Good luck.
Follow me if you receive this reply..
Radheshyam

Radheshyam Zanwar |6501 Answers |Ask -Follow

MHT-CET, IIT-JEE, NEET-UG Expert - Answered on Aug 23, 2025

Asked by Anonymous - Aug 23, 2025Hindi

Career

My son got 12th class marks 931and jee mains 77% oc boy any possibility nits or iiits

Ans: Chances are slim. Explore other options.

Good luck.
Follow me if you receive this reply..
Radheshyam

Nayagam P P |10473 Answers |Ask -Follow

Career Counsellor - Answered on Aug 23, 2025

Question by Ujjval - Aug 23, 2025Hindi

Career

Sir I scored 94.11 percentile in mhtcet . I am open student. And in previous all 3 cap round I was alloted CSE( CYBERSECURITY) in SIES Nerul . What shall I do so now .. Any other option to take admission in computer engineering and related branches in it and any other college above it ???

Ans: Ujjval, SIES Graduate School of Technology’s B.E. in Computer Science and Engineering with specialization in Cyber Security offers a balanced curriculum integrating core programming, network security, and emerging technologies like blockchain and IoT. Accredited NAAC A+ and ranked 48th by Times of India, the institute provides qualified faculty, smart classrooms, and dedicated labs for cybersecurity practice. Placement statistics indicate a 61–80% placement rate over the past three years, with top recruiters including Capgemini, Infosys, TCS, and Amazon. The Training & Placement cell conducts workshops, coding contests, and soft-skills training to prepare students for interviews. Student reviews highlight proactive internship opportunities, strong industry connections, and an active entrepreneurship cell. Campus life features active technical societies, regular hackathons, and cultural festivals, fostering holistic development and peer learning. Although on-campus hostel facilities are limited, the institute’s location in Navi Mumbai provides easy access to internships and industrial visits, enhancing practical exposure and professional networking.

Recommendation: SIES GST’s Cyber Security specialization is well-suited for software development careers due to its robust curriculum, industry-aligned training, proven placement support, and vibrant campus environment. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Nayagam P P |10473 Answers |Ask -Follow

Career Counsellor - Answered on Aug 23, 2025

Question by Srilu - Aug 23, 2025Hindi

Career

My son got 12th class marks 931 and jee mains 77% oc boy any possibility nit or iiit

Ans: Most admissions, including the final CSAB round, are complete (if I am not wrong). With his 12th grade marks and OC-category JEE score, consider applying to private engineering colleges in your state or nearby regions. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

Dr Nagarajan J S K |2342 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Aug 23, 2025

Question by Archana - Aug 22, 2025Hindi

Career

Plz suggest any 6 month or 1 yr program courses should I join after that

Ans: Hi Archana,
After?
There is no continuity......Finding it very difficult to answer...
BEST WISHES.

#GURUS #REDIFFGURUS #CAREER #COUNSELING

Nayagam P P |10473 Answers |Ask -Follow

Career Counsellor - Answered on Aug 23, 2025

Question by inder - Aug 23, 2025Hindi

Career

Alliance university Anekal, BTech CSE(IOT) ...tell me above average packages of CSE...

Ans: Inder, Alliance University’s B.Tech CSE (IoT) program maintains a placement rate of around 85% over the past three years, with an average package of approximately 7.6 LPA and top offers in IoT, full-stack development, and data analytics. The dedicated placement cell partners with over 500 recruiters—such as Bosch, Wipro, and Infosys—conducting regular workshops on embedded systems, cloud computing, and cybersecurity. Industry-aligned labs equipped with Arduino, Raspberry Pi, and AWS platforms support hands-on learning, while experienced faculty publish research in IoT and AI. The campus fosters innovation through hackathons, maker labs, and incubation centers. To stand out in placements, you should build strong coding skills in C/C++, Python, and JavaScript, master data structures and algorithms, and gain proficiency in IoT protocols (MQTT, CoAP). Developing soft skills—effective communication, teamwork, and problem-solving aptitude—enhances employability. Internships with startups or R&D projects strengthen real-world experience, while certifications in cloud platforms and machine learning demonstrate commitment to continuous learning.

Recommendation: Focus on Alliance University’s CSE (IoT) program, leveraging its above-average placement ecosystem, industry-driven curriculum, and practical labs, while cultivating coding expertise, IoT know-how, and soft skills to maximize campus and off-campus placement opportunities. All the BEST for a Prosperous Future!

Follow RediffGURUS to Know More on 'Careers | Money | Health | Relationships'.

See more questions »

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.

Video Reply
Audio Reply

WhatsApp
Facebook
Twitter
Copy link

Delete

Close

Dear User, You have not registered yet. Please register by filling the fields below to get expert answers from our Gurus

Sign up

email

uname

mobile no

Country Code

Mobile number

By signing up, you agree to our
Terms & Conditions and Privacy Policy

Already have an account?

LOGIN

x