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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Oct 12, 2023

Colonel Sanjeev Govila (retd) is the founder of Hum Fauji Initiatives, a financial planning company dedicated to the armed forces personnel and their families.
He has over 12 years of experience in financial planning and is a SEBI certified registered investment advisor; he is also accredited with AMFI and IRDA.... more

Asked by Anonymous - Oct 03, 2023Hindi

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Hi Sanjeev. I am self employed since Jan 2022. I have been trying to withdraw my PF (which is currently with EPFO Delhi) for the last 18 months. However, my claim has been rejected multiple times by EPFO Delhi on the pretext that my EPS transfer is pending (from EPFO Kolkata). I had raised grievance with EPFO kolkata for EPS transfer and it has been rejected same citing pending issues with my previous employer. I would like to know whether EPFO Delhi can legally reject PF withdrawal for pending EPS transfer?

Ans: EPF and EPS are two separate issues to my mind and there is no provision under the law that allows EPFO to reject a PF withdrawal claim on the basis of a pending EPS transfer.

You should contact your previous employer and request them to provide necessary EPS details to complete the transfer process. Alternately, you can escalate the matter to the EPFO Regional Office or the EPFO Headquarters.

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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Sanjeev Govila |458 Answers |Ask -Follow

Financial Planner - Answered on Nov 25, 2023

Asked by Anonymous - Nov 22, 2023Hindi

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Sir, in my previous company I was eligible for EPS however not in my current company. I did EPF transfer but it was done without EPS. Please suggest step what I need to do ? Whether I can withdraw my EPS amount or if possible to transfer to my EPF account?

Ans: Since you were eligible for EPS in your previous company but not in your current company, your EPS account would become inactive when you transferred your EPF account. The EPS amount cannot be withdrawn, but it can be transferred to your current EPF account.

Here are the steps you need to take to transfer your EPS amount to your current EPF account:

Offline - Download Form 10C - Fill out the form - Get the form attested - Submit the form to EPFO

Online - EPFO website - Access your EPF Member Portal - Online Services - Claim (Form 31, 19 and 10C) - Check your employment KYC - Just Pension Withdrawal (Form 10C) - Validate OTP and Submit Claim Form.

Samkit Maniar |180 Answers |Ask -Follow

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Question by Vidhya - Jun 07, 2024Hindi

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My son was doing intern ship in saplab while studying BCA. There EPS deducted and after that he was working for Newfold digitals there he didnt mention his earlier epf account (unknowingly). In Newfold they considered him as new employee and that time EPFO cancelled EPS and they have not deducted. Now It is becoming difficult to withdraw pf. What to do? Any suggestion from your end

Ans: You will need to write to EPFO helpdesk they can help you transfer the EPF account to new organisation and once reflected in the UMANG app you will be able to withdraw the same partially.

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 25, 2024

Question by amol - Sep 07, 2024Hindi

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Hello Sir/Madam, My PF withdrawal is rejected with following reasons. 1) EPS ( PENSION DETAILS ) HAS NOT RECEIVED FROM MEMBER ID...... (basically my previous employer) HENCE YOU ARE REQUESTED TO CONTACT TO REGIONAL PF OFFICE BANDRA FOR THE SAME. Can you please explain what this means?

Ans: Here it is important to note the need to take eps scheme certificate when you leave a job.

This serves as a proof for pensionable years in service, pensionable salary amount and details of family members/nominee of the employee who are supposed to receive pension in the unfortunate event of his death.

This needs to be attested by your employer(ex).

Probably their is some discrepancy in your past employment record from the previous employer as a result of which withdrawal claim is rejected.

Please get in touch with assigned EPF office. They will guide you suitably.

Milind Vadjikar |1238 Answers |Ask -Follow

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.

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Nov 08, 2024

Asked by Anonymous - Nov 08, 2024Hindi

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I have completed 58 years of age. Still working in one company. All Total have completed only 6.3 years of service as per PF contribution. My current company has superannuated me in EPFO. I am unable to withdraw my EPS amount as option of Form 10c is not showing. I spoke to EPFO office they say that you have to apply online only. Pls help how to proceed. Thanks & regards.

Ans: Hello;

You need to fill composite claim form (aadhar) for processing your withdrawal online.

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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