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Sunil Lala | Answer |Ask -Follow

Financial Planner - Answered on Sep 04, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more

Asked by Anonymous - Aug 10, 2023Hindi

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Dear Sir, Have Rs 5.2 Lacs in EPF Acct, contributed for approx 7 years.Moved to Germany 2 years ago. Wish to withdraw whole amount. Please adi ise as to how to go about it. Regards

Ans: It can be applied online through to your last employer

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 Satish - Aug 10, 2023Hindi

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Dear Sir, I have approx Rs 2.5 lacs in NPS which was contributes over approx 4 Years. Now I have moved to Germany for the last 2 years. Can I withdraw the whole amount and how? Thanks!

Ans: You can close your NPS account prematurely only after 10 years of opening the account. And if you do, you have to utilise 80 per cent of the corpus for buying an annuity plan. Here again, you can be exempted if your total corpus does not exceed Rs 5 lakhs. In such cases, you don't have to buy an annuity plan.

You must get your regular savings bank account converted into an NRE or an NRO account. That is mandatory.

Once your bank account is converted, you need to get your status changed in the NPS records from a resident Indian to an NRI.

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Question by Prashant - Sep 22, 2024Hindi

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Thanks for the reply sir.. I have withdrawn all epf fund & can not withdraw eps pension amount ? 2 lacs due to epf/eps regulations. My age is 45 yrs & can start early pension from age 50 as per epf guidelines. Is there any way out to get pension contribution of ? 2 lacs now.. Is there any legal procedure because my fund get stuck with EPFO & i can not use it for my need.. I have no control for my own money. Pls suggest..

Ans: The system will work as per Rules & Regulations of EPF Pension. It is not a question of managing you own funds at your own sweet will. You have invested the amount in a scheme for your future benefit. You should operate within the guideline framed by the scheme (EPS Pension).
Most welcome for any further clarifications. Thanks.

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Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Question by Rakesh - Oct 02, 2024Hindi

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I have worked in pvt institution from Oct 1981 to Nov 2001.My employer had sent my contribution towards EPS 1995 scheme from August 1982 (confirmation) to November 2001(resignation) to the EPF office.A cirtificate of my contribution till 1998 is issued to me by my employer.I want to know whether I am eligible for pension or not as at present I am 68 yrs. If not how can I withdraw the amount contributed by me. I have no UAI no. I have only the A/C no. as issued by my employer. Moreover,can I activate (KYC) my EPFS account now if possible.

Ans: Hello;

You may seek help of a lawyer specializing in labour & EPF laws.

You may approach the EPFO assigned to your employer during that time through your lawyer and ascertain whether EPS pension payment is possible for you.

Best wishes!!

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Insurance, Stocks, MF, PF Expert - Answered on Oct 15, 2024

Asked by Anonymous - Oct 15, 2024Hindi

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Pls guide me so as to withdraw PF amount from EPF scheme, subject to aforementioned conditions a. Set period of employment is >3 years. b. I had employment with 2 companies, one I transferred and the next I withdrew. Main, problem is withdraw amount is > x lacs and unable to file for withdrawal- 2 times rejected. Pls help me.

Ans: Request you to kindly rephrase your query.

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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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