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Ramalingam

Ramalingam Kalirajan  |7228 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 18, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
ASHOK Question by ASHOK on Dec 09, 2023Hindi
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i have worked in 5 different companies from 1992 to 2012 and contributed to EPF and EPS. i have UAN number. Last company i worked and contributed to EPS was till aug2012, Now the company is closed the operation and not updated my service records from 1992.How to get it done? please guide.

Ans: To update your service records and correct the discrepancies in your EPF and EPS contributions, follow these steps:

UAN Portal Login:
Log in to the UAN (Universal Account Number) portal using your UAN and password.
Verify your personal details and check the service history available.
Contact Previous Employers:
Reach out to your previous employers from 1992 to 2012 to obtain your PF account number and passbook or statement.
Request them to update your exit date and contribution details if they haven't already.
EPFO Grievance Cell:
If your previous employers are unresponsive or the company is closed, raise a grievance on the EPFO (Employees' Provident Fund Organisation) portal.
Provide details like company name, dates of employment, and UAN for quicker resolution.
PF Regional Office:
Visit the nearest PF regional office with necessary documents like ID proof, service certificates, and bank passbook.
Submit a written request to update your service history and contributions.
Legal Assistance:
If the above steps don't yield results, consider seeking legal assistance to resolve the issue.
Regular Follow-up:
Follow up regularly with EPFO or the grievance cell for updates on your request.
Keep copies of all communication and documents for future reference.
Remember to keep your communication polite and professional, and maintain records of all interactions for documentation. It may take some time to resolve, but persistence should help you correct your service records and contributions.
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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Sir I am 59 years old and I have worked in 2 companies for 12 years in previous company and 9 years 8 month in recent company total service (21 years and 8 months) and resigned I have submitted annexure k from my prior company to recent company with other document for pension to submit in EPFO but EPFO has not updated my past company service history that why i am not eligible for pension please suggest me what should i do so that EPFO updat my prior company service history
Ans: In response to your query, here's what you can do to resolve this issue:

Contact your previous employer: Reach out to your previous company's HR department and inform them about the missing service history in your EPFO account. Request them to verify your employment details and submit the necessary documents to EPFO for updating your service history.

File a grievance with EPFO: If your previous employer is not responding or cooperating, you can file a grievance with EPFO. You can do this online through the EPFO Grievance Portal or by visiting the nearest EPFO regional office.

Approach the Provident Fund Commissioner: If the grievance process doesn't resolve the issue, you can escalate the matter to the Provident Fund Commissioner (PFC). The PFC is the highest authority for resolving EPFO-related issues.

Submit documentary evidence: When filing a grievance or approaching the PFC, gather and submit any documentary evidence that supports your employment with your previous company. This could include salary slips, appointment letters, or any other relevant documents.

You can check the status of your grievance online or by contacting the EPFO regional office. Remember to keep copies of all communication and documents for your records, and persist in following up until the issue is resolved.

It may take some time, but with proper documentation and following the correct procedure, you should be able to resolve this issue and become eligible for pension benefits.

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It’s important to look at the patterns in your relationship with clarity. Your husband’s decisions seem to be heavily influenced by his family, and this loyalty, while not inherently wrong, appears to come at the expense of his commitment to you and your shared responsibilities. The fact that he contributes so little financially and emotionally while benefiting from your efforts shows a lack of fairness and respect in the relationship. His parents’ behavior and expectations have added further strain, undermining your marriage and creating an environment of resentment.

You may want to consider having a clear and honest conversation with your husband. Express how his actions—or lack thereof—are impacting you and your son. Frame the conversation not as a confrontation but as a plea for understanding and change. However, if he remains unwilling to acknowledge or address these issues, it’s worth reflecting on what staying in this relationship means for your emotional well-being and future.

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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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