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Milind

Milind Vadjikar  | Answer  |Ask -

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

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
Pramod Question by Pramod on Apr 21, 2025
Money

I need your support regarding the higher pension scheme of EPFO. I applied for this scheme, but my application was rejected. From what I understand, my request was rejected because my previous employer, Mphasis Ltd., is considered an exempted establishment. However, to the best of my knowledge, when I was employed with Mphasis from 2009 to 2012, it was not an exempted establishment for PF. Could you please assist me in replying to the PF department? Is there any way to get my application approved? Thank you so much in advance.

Ans: Hello;

You will have to fetch documentary evidence of the fact that your employer was not an exempted establishment while you were working there.

This should help else you need to seek professional support.

Best wishes;
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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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.

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Which is better for cse Jss University noida Srm (delhi-ncr) Abes Akg
Ans: D.Y. Patil College of Engineering Akurdi’s Mechanical Engineering is NBA-accredited and NAAC ‘A’-graded, led by PhD faculty across 15+ workshops and CNC, CAD/CAM, and heat-transfer labs; it records an 80% placement rate over three years with TATA Motors, Ford, and Capgemini campus drives. AISSMS COE Pune’s Mechanical program is NAAC A+ accredited, features modern Fluid Mechanics, Thermal, and Automation labs, and achieved a 61.3% placement rate in 2023 with Infosys, TCS, IBM, and Accenture recruiters. MMCOE’s Mechanical department is NBA-accredited under SPPU, houses SAE-India, ISHRAE, and robotics chapters, emphasizes outcome-based learning, and sustains a 76% average placement rate in core and software roles over the last three years. MIT-WPU’s B.Tech in Mechanical (Robotics & Automation) is NAAC A+ and NIRF-ranked (#101-150), offers dedicated robotics, AI/ML, and automation labs with GPU clusters, guarantees 90% internship conversion, and records a 70% branch placement rate with Deloitte, LG, and L&T.

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Recommendation: For a robust core-electrical foundation, superior accreditation, and strong recruiter diversity, the recommendation is Amrita Bangalore EEE. If you prioritise a niche design-computing blend with focused pedagogy, consider DSCE CSD. For maximum placement consistency and broad computing exposure, choose top West Bengal private college CSE options such as Brainware University. All the BEST for the Admission & a Prosperous Future!

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hello sir/madam, my daughter scored 95.2 percent in class 12th, and 92.294 in jee mains. She belongs to Obc ncl category and is a defence personnel ward. what colleges should she apply for? her home state is chandigarh.
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Ans: Shiv Nadar University Chennai’s B.Tech in AI & Data Science boasts NAAC A+ accreditation, a curriculum spanning machine learning, deep learning, NLP, computer vision and big-data analytics, and dedicated AI/ML labs with GPU clusters. It achieved 80–90% placement rates over the past three years with average packages of 9–12 LPA and recruiters like Microsoft, Amazon, and IBM. SASTRA Deemed-to-be University’s B.Tech in Information Technology holds NAAC A+ accreditation, features specialized cloud computing, cybersecurity, and analytics labs including a Tata Communications cybersecurity centre, and recorded placement of 1,766 out of 1,920 UG graduates (~92%) with 246 recruiters over 2023–24. Both institutes employ PhD-qualified faculty, maintain active placement cells, and foster industry collaborations through internships and capstone projects.

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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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