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Sanjeev

Sanjeev Govila  |458 Answers  |Ask -

Financial Planner - Answered on Nov 27, 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 - Nov 16, 2023Hindi
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Money

Hi, I worked in company in India for a year in 2015 , then returned back to gulf. I had my of deducted firings this period. I am not able to withdraw the money through online as the Mobil number given that time was not with me. Kindly advice to with the draw the PF money now. Thank you in advance.

Ans: There are two ways to withdraw PF amount i.e. online and offline.

Through Online Mode:
• First you need to update your mobile no. by the given website after log in with UAN number and password on the EPFO website.
• Under the manage tab>contact details. Update the new mobile no.
• Once mobile number is updated, click on the 'Claim' tab and select 'Online Claim.
• Fill the required details and verify it via OTP.
Your PF withdrawal claim will be processed by the EPFO, and the money will be transferred to your bank account within a few days.

Through Offline Mode:
You can withdraw your PF money offline by submitting a Composite Claim Form at EPFO office with required documents i.e.
• PAN card.
• Aadhaar card or a copy of your passport and visa
• Copy of your bank passbook
• PF account number (UAN)
• A self-attested photocopy of your employment contract or a letter from your employer certifying your employment period
• A self-attested photocopy of your salary slips for the contribution period
• Composite Claim Form
Submit the duly filled Composite Claim Form along with the required documents at the EPFO office. You can track the status of your claim online using your UAN and password.
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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Ramalingam

Ramalingam Kalirajan  |8058 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 19, 2024

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My name ANJAN KUMAR SAHU , 2013 MY PF DEDUCTED TOTAL 22000 IN L&T BUT I DONT KNOW THE PF NO HOW I WILL WITHDRAW I LEFT COMPANY IN 2013
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

..Read more

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Dr Upneet

Dr Upneet Kaur  |9 Answers  |Ask -

Marriage counsellor - Answered on Feb 27, 2025

Asked by Anonymous - Feb 22, 2025Hindi
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Relationship
I am a 31-year-old woman, married for 5 years, with a 3-year-old daughter and a 1-year-old son. I got married in 2019 at the age of 26, while my husband was 28. Both of us are entrepreneurs and have been running a coal business. Unfortunately, when COVID hit in 2020, our business faced significant challenges, and we have struggled to recover since then. As a result, we moved in with my in-laws. During this transition, I had my daughter and son. We've been actively trying to start a new business, but it hasn't quite come together yet. My husband recently found a job that he loves, although it doesn't pay well enough to allow us to move out. He seems content in this position because it's close to home and aligns with his passion. However, I feel frustrated because when I suggest he look for a higher-paying job to improve our situation, he is hesitant since he’s focused on pursuing what he loves. Living with my in-laws has been challenging, as our relationship has had its difficulties from the start. I'm concerned that they are unintentionally affecting my children's perspective on parenting, and they aren't able to care for the kids regularly so I can explore job opportunities, including remote work. I often feel trapped and hopeless but recognize that leaving this situation isn’t viable financially. Returning to live with my parents is also not an option due to the complicated dynamics there. Despite these challenges, I want to find a way to navigate my feelings of isolation and make progress. I would appreciate any advice or constructive suggestions on how to improve our situation and create a more supportive environment for my family and myself. Thank you.
Ans: Hello mam
I am sorry to hear about the loss your business made in covid. That time was a real challange for all of us.
Lets focus on your problem now. Mam, as now you are living with your in laws, I am sure your husband must be feeling bery secure and happy. But you may have some challanges. Diffrence of opinion always occur in joint families specially when parenting of kids are involved coz they want to raise your kids according to them which can sometime create conflicts Between the family members. Tou can discuss the matter with your husband without blaming anyone and then with his help you can talk to your in laws to support a little bit so that you can also search further for a job. This will increase your satisfaction level and you ll be happy in your family.
Think about it and try this out. I am sure it will work. Plz do tell me your feedback. Take care !
Regards
Dr Upneet kaur
Reach me : https://www.instagram.com/dr_upneet

...Read more

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