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Ramalingam

Ramalingam Kalirajan  |8259 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 11, 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
AMIT Question by AMIT on Apr 20, 2024Hindi
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I have Worked in a Company at MUMBAI from FEBRUARY 2004 up to FEBRUARY 2017.... The HEAD OFFICE of this Company is in DELHI and thus the EPFO ACCOUNT and It's RECORDS / HR Desk too are Maintained and Based at DELHI EPFO OFFICE. During this Service I was Even Posted in VADODARA for TWO YEARS. A New EPFO ACCOUNT NUMBER Was Created with GUJARAT PF OFFICE and PF DEDUCTIONS and EMPLOYER'S CONTRIBUTION were Duly Made in this PF Account. Upon My RETURN Back to MUMBAI the BALANCE of this GUJARAT PF ACCOUNT was Duly TRANSFERRED To the DELHI Office and the PF ACCOUNT AT DELHI H.O. SUBSEQUENTLY UPON BEING BY AN AUSTRALIAN BRAND THE COMPANY FROM APRIL 2008 ONWARDS IMPLEMENTED and MIGRATED ON TO THE EPFO's ONLINE MODULE i.e. *UAN* PORTAL AND THUS THE PREVIOUS PF DATA WAS TRANSFERRED AND UPLOADED UNDER THE UAN ACCOUNT No. In 2017 UPON MY EXIT THE PF BALANCE WAS TRANSFERRED TO THE PF ACCOUNT OF MY NEW EMPLOYER BEING MAINTAINED AT COIMBATORE. *UNFORTUNATELY THERE ARE NO DETAILS OR DATA OF MY PF ACCOUNT UPLOADED and THUS NOT SHOWING / REFLECTING ON THE EPFO UAN PORTAL FOR THE PERIOD FEBRUARY 2004 up to MARCH 2008..... SEVERAL ATTEMPTS TO SEEK THE ABOVE DETAILS FROM THE EPFO'S BANDRA OFFICE and EVEN THROUGH EMAIL ARE FUTILE and THUS DETAILS ARE NOT BEING PROVIDED...... DUE TO THIS I AM EVEN UNABLE TO UPLOAD MY ONLINE CLAIM / WITHDRAWAL REQUEST AND ENCASH MY PF AMOUNTS...... PLEASE URGENTLY GUIDE AND HELP

Ans: Here's how you can approach the situation of missing PF data for your period of employment between February 2004 and March 2008:

1. Contact Delhi EPFO:

Since your main PF account was maintained at the Delhi EPFO office, it's crucial to reach out to them again.
Try contacting the Delhi EPFO grievance redressal officer (https://epfigms.gov.in/grievance/grievancemaster) through email or phone. Clearly explain the issue with missing data and the attempts you've already made to get it resolved. Mention your UAN number and the period for which data is missing.
Be persistent and follow up on your communication.
2. Utilize Online Grievance Portal:

The EPFO website offers an online grievance redressal portal (https://epfigms.gov.in/grievance/grievancemaster).
Register a grievance there, outlining the details of the missing data and the unresponsive nature of the Bandra office.
3. Approach EPFO Helpline:

You can also try contacting the EPFO helpline at 1800-118-0055.
Explain your situation and seek guidance on how to get the missing data reflected in your UAN account.
4. Reach Out to Ex-Employer (if possible):

If you're still in touch with your former employer (the one before the Australian brand takeover), try contacting their HR department.
They might have copies of your PF records for the period in question, which could be helpful in getting the data updated in your UAN.
5. Utilize UAN Portal's "Contact Us" Option:

While the UAN portal might not directly resolve the issue, you can try using the "Contact Us" option and explain your situation.
They might be able to provide additional guidance or escalate your concern within the EPFO system.
Here are some additional tips:

Maintain a record of all your communication with the EPFO offices, including emails, phone call logs, and grievance reference numbers.
If you have any documents related to your PF account for the missing period, such as payslips showing PF deductions, keep them handy.
Consider getting help from a professional PF consultant if the issue persists. They can navigate the EPFO processes and handle communication on your behalf.
Remember, persistence is key. By following these steps and keeping track of your communication, you should be able to get your missing PF data reflected in your UAN and access your PF funds.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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  |8259 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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hi, i have worked 5 different companies starting from 01.02.1992 to 31.08.2012 and contributed to PF as per the policy. i have passbook of PF account but only amount of last company is reflecting in the passbook. I have withdrawn EPF balance but EPS part is still not withdrawn from any company. my last company has not updated the records from previous companies, . i am getting 58 years next on 29042024. i have account with EPFO and UAN. How can i get the amount accumulated or get the scheme certificate or start pension at reduced rates...i am working with a company but not registered with PF.
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.

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Ans: Priyanshi, Here is, How to Predict Your Chances of Admission into NIT or IIIT or GFTI After JEE Main Results – A Step-by-Step Guide.

Providing precise admission chances for each student can be challenging. Some reputed educational websites offer ‘College Predictor’ tools where you can check possible college options based on your percentile, category, and preferences. However, for a more accurate understanding, here’s a simple yet effective 9-step method using JoSAA’s past-year opening and closing ranks. This approach gives you a fair estimate (though not 100% exact) of your admission chances based on the previous year’s data.

Step-by-Step Guide to Check Your Admission Chances Using JoSAA Data
Step 1: Collect Your Key Details
Before starting, note down the following details:

Your JEE Main percentile | Convert the Percentile to AIR, based on the Formula available in Google.
Your category (General-Open, SC, ST, OBC-NCL, EWS, PwD categories)
Preferred institute types (NIT, IIIT, GFTI)
Preferred locations (or if you're open to any location in India)
List of at least 3 preferred academic programs (branches) as backups (instead of relying on just one option)
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Step 3: Select the Round Number
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For a safer estimate, choose Round 4, as most admissions are settled by this round.
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Select NIT, IIIT, or GFTI, depending on your preference.
If you are open to all types of institutes, check them one by one instead of selecting all at once.
Step 5: Select the Institute Name (Based on Location)
It is recommended to check institutes one by one, based on your preferred locations.
Avoid selecting ‘ALL’ at once, as it may create confusion.
Step 6: Select Your Preferred Academic Program (Branch)
Enter the branches you are interested in, one at a time, in your preferred order.
Step 7: Submit and Analyze Results
After selecting the relevant details, click the ‘SUBMIT’ button.
The system will display Opening & Closing Ranks of the selected institute and branch for different categories.
Step 8: Note Down the Opening & Closing Ranks
Maintain a notebook or diary to record the Opening & Closing Ranks for each institute and branch you are interested in.
This will serve as a quick reference during JoSAA counseling.
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Since Opening & Closing Ranks fluctuate slightly each year, always adjust the numbers for safety.
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Hope this guide helps! All the best for your admissions!

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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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