Thanks for the Answer. I received the PF amount in 2 part. after a several followups and email. Once again Thanks Narayanan

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EPS (Employee Pension Scheme): Since you have not withdrawn the EPS contributions from any of your previous employers, you can apply for a scheme certificate through your current employer.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: Hello Anjan,

I understand that you left your company, L&T, in 2013 and are now looking to withdraw your provident fund (PF) amounting to ?22,000. Not knowing your PF number can be challenging, but there are ways to retrieve it and proceed with your withdrawal.

Steps to Retrieve Your PF Number
1. Contact Your Previous Employer
Reach out to the Human Resources (HR) or Payroll department of L&T. They should have records of your employment and can provide your PF number. Explain your situation and provide details such as your employee ID, the period of your employment, and any other relevant information.

2. Check Your Payslips
If you have access to your old payslips, they might contain your PF number. Payslips usually have detailed breakdowns of your salary, including deductions for PF.

3. Use the UAN Portal
If your Universal Account Number (UAN) was generated during your employment, you can retrieve your PF details through the UAN portal.

Visit the EPFO website: UAN Portal

Activate UAN: If not already done, activate your UAN by clicking on 'Activate UAN' and following the steps. You will need your Member ID, Aadhaar, or PAN.

Check PF Details: Once your UAN is activated, you can log in to the portal and view your PF account details.

4. EPFO Helpdesk
Contact the Employee Provident Fund Organisation (EPFO) helpdesk. They can assist you in retrieving your PF number using your personal details and employment history.

EPFO Helpdesk Number: 1800 118 005

Email: Contact your regional EPFO office via email. Find the contact details on the EPFO website.

Steps to Withdraw Your PF
Once you have retrieved your PF number, you can proceed with the withdrawal process.

1. Fill Out the Composite Claim Form
There are two types of forms based on whether you have an Aadhaar:

Composite Claim Form (Aadhaar): If your UAN is Aadhaar-seeded and KYC-compliant, you can submit this form directly to the EPFO office without employer attestation.

Composite Claim Form (Non-Aadhaar): If your UAN is not Aadhaar-seeded, you need your employer's attestation before submitting this form to the EPFO office.

2. Submit the Form
Submit the filled form to your regional EPFO office. Ensure you attach all necessary documents such as your identity proof, bank account details, and cancelled cheque.

3. Online Submission (if UAN is Active)
If your UAN is active and Aadhaar-seeded, you can also apply for PF withdrawal online:

Log in to UAN Member Portal: UAN Portal

Go to Online Services: Select 'Claim (Form-31, 19, 10C & 10D)'.

Enter Bank Account Details: Verify your bank account details linked with UAN.

Submit Claim: Select the claim you require (PF withdrawal, pension withdrawal, etc.), and submit.

4. Track Your Claim
After submission, you can track the status of your claim through the UAN portal or by contacting the EPFO helpdesk.

Conclusion
By following these steps, you can retrieve your PF number and proceed with the withdrawal process. It may take some time, but persistence will help you access your funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in