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EPF EPS Service Period Merger for Pension Maximisation - Can I combine my previous 12-year EPF and EPS contributions with my current service to maximize my pension?

Vipul

Vipul Bhavsar  |95 Answers  |Ask -

Tax Expert - Answered on Mar 09, 2025

Vipul Bhavsar is a chartered accountant from The Institute of Chartered Accountants of India. He has over 16 years of experience in corporate advisory, taxation and financial reporting.
His interest areas are consulting, income tax, GST and due diligence.
He founded his CA firm, V J Bhavsar and Associates, in 2010 through which he offers services like virtual CFO, trademark registrations, company /LLP formation, MIS reporting, audit, tax and TDS compliances, accounts receivable/payable management and payroll processing.... more
Asked by Anonymous - Mar 08, 2025Hindi
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I have worked without break since Nov'97 to Oct' 2009 (about 12 years) , contributed epf and eps. Resigned from this job and withdrawan accumulated epf amount, however EPS amount not withdrawn. I am in receipt of EPS certificate from EPFO . During this tenure UAN was not there. Again I have joined the same company since Nov'16 and working till date with having UAN no and contributing in EPF . On 1st Nov.'2025 , I will be attaining 58 years of age. Please guide me, how to merge my previous 12 years service period ( not having UAN no) with my present continued service period ( having UAN no), so that maximaize my pension amount. Please advise.

Ans: You need to speak to your employer or a PF consultant who will guide you
Vipul Bhavsar
Chartered Accountant
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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